Upon completion of this course, attendees will understand the requirements for potential exposure to an insurer for an excess verdict against an insured. The attendees will learn the requirements of a Stowers demand in Texas, as well as the issues presented by policy limits demands when there is a tower of coverage. Who should send the response letter, the defense attorney, the carrier, or the coverage attorney, will be discussed, along with the ethical issues involved. A discussion of what items should be included in the response letter to protect insurers potential exposure for an excess verdict will also be addressed. Finally, attendees handling Texas claims will learn about issues recently litigated in Stowers claims. The presentation will dovetail with a discussion of the most recent runaway verdicts in Texas.