The Minnesota Supreme Court's decision in a recent bad faith insurance case underscores the importance of designating a clear decision-maker when denying insurance claims. The case, involving Selective Insurance and policyholder Sela, highlighted how Selective failed to identify who made the denial decision and did not substantiate the fraud claims against Sela. This resulted in the court ruling against Selective, demonstrating that insurers must have a reasonable basis and clear accountability when denying claims to avoid bad faith litigation