(Insurer required to pay conditional actual cash value of property under commercial property policy pending insured’s actual repair of damaged property in order to claim full replacement cost coverage.)

(Insured is not entitled to underinsured motorist benefits, wherein the total recovery made from third party motorist and her employer exceeded the available underinsured motorist limits afforded by insured’s policy.)

(Insurer’s response to policy limits demand within time limit set by third party claimant, notwithstanding claimant’s counsel’s failure to identify the proper insured and policy number, constituted good faith requiring reversal of underlying bad faith lawsuit judgment.)