INDIANAPOLIS - A fact finder could conclude that an insurer's decision to go to trial and risk excess judgment, rather than offer the policy limits or reserves to settle, constituted bad faith, an Indiana federal judge found May 5, partly denying the insurer's motion for summary judgment (Randall L. Woodruff v. American Family Mutual Insurance Co., No. 1:12-cv-00859, S.D. Ind.; 2014 U.S. Dist. LEXIS 62038).