In action against insurer for breach of contract and bad faith where jury rendered verdict for plaintiffs, conditional grant of motion for new trial on award of punitive damages unless plaintiffs agreed to reduction, which they did, is affirmed over defendant's claim that plaintiffs did not prove oppressive acts by clear and convincing evidence when defendant denied plaintiffs' request for a defense, and over plaintiffs' claim that the trial court erred in reducing the award of punitive damages and also erred in excluding certain evidence related to the claim for punitive damages.