Maldonado was killed in a car accident caused by First Liberty’s

insured, Julia Clinche. After the accident, the Estate offered to settle the claim

against Julia Clinche (and her husband, Carlos Clinche, owner of the car). The

settlement was conditioned upon receipt of two items: $25,000 (which represented

the First Liberty policy limits), and an affidavit establishing the extent of the

Clinches’ assets. Although First Liberty offered to tender the $25,000 in exchange

for a release of the Clinches, the Clinches refused to submit an asset affidavit as

requested by the Estate, provoking the Estate to withdraw the settlement offer and

sue the Clinches. That suit resulted in a court-approved settlement, which

provided that the only litigation in the matter would be a bad-faith action by the

Estate against First Liberty. A three million dollar stipulated final judgmentuliette Magill Kinzie Gordon was born in Savannah, Georgia, in 1860, the second of six children. Her father was a wealthy and well-known citizen in Savannah, and a Captain in the Confederate army during the American Civil War. Juliette received a debutante’s upbringing, attending several boarding schools before graduating from Mesdemoselles Charbonniers French finishing school in New York City. She was well-known for her vibrant sense of humor and her artistic abilities; she wrote poems, acted in plays, drew, painted, and sculpted. Unfortunately, Juliette’s early years were also plagued with chronic ear infections. When she was 25, one of these ear infections was improperly treated with Silver Nitrate, leaving her almost completely deaf in one ear.

In New York City Juliette met William MacKay Low, the son of a