There is a distinct possibility that an insurer will be faced with a claim involving multiple claimants and insufficient policy limits, requiring it to determine how to handle the matter properly and efficiently.  For instance, a bus owned by an insured transportation company is involved in an accident resulting in the death of several passengers and injuring many others, with the insured being clearly liable.  Multiple lawsuits are filed, and the policy limits will be insufficient to settle all the claims or pay for all potential judgments. This scenario presents unique questions.