Beau admits that he was drunk when he drove home. Although he made it safely into his driveway, he then managed to knock down his garage door before bringing his car to a stop. When denying his homeowners claim and his auto liability claim, Reba called him a (expletive deleted) moron, scolded him for even thinking of submitting a claim, and refused to put her coverage denial into writing. Cruelly handling the claims denial in this manner is likely to