We're all supposed to have insurance and at one time we will all likely need to file a claim. Ever wonder how the companies decide what to pay and when to pay? 7NEWS looked into a company's practice that the state's insurance commissioner calls "inappropriate and unprofessional conduct." The company, American Family Insurance, said it's done nothing wrong. But a Boulder jury said there was something wrong and handed down a $3 million verdict against American Family Insurance. It was an expensive message for a practice the jury called "willful and wanton" when refusing to pay a claim. The Boulder...