The issue is whether a post-answer default judgment may establish damages in a Stowers action an insured assigned to wrongful-death plaintiffs. In essence, the argument is whether a conflict exists between Evanston Insurance v. ATOFINA, holding that an insurer may not challenge a settlement's reasonableness when the insurer refuses a defense or coverage, and State Farm Fire and Casualty v. Gandy's reasoning that an insured's valid damages evidence must result from a fully adversarial proceeding. In the underlying wrongful-death trial, the defendant drilling company, Diatom, answered Seger's lawsuit but lost a $15-million default judgment after not appearing for trial. The company's insurers had refused to defend or settle despite offers to settle within policy limits. On the Stowers claim, the appeals court reversed the trial court's judgment for Seger, holding that the judgment was not good evidence of damages because it did not result from a fully adversarial trial.