Jennings was injured in a head-on collision with a car driven by the son of Bobby Broxton, who was insured by USAA. Jennings and USAA attempted to settle, but a dispute arose over a related claim filed by the hospital that treated Jennings. Settlement failed at this time, and Jennings sued. The parties later partially settled the case, with Jennings retaining the right to sue the insurer for alleged bad-faith refusal to pay his claim. At Jennings' request, the judge ordered USAA to let his attorney inspect the company's claims file on the case. USAA appealed on this single issue before the case could go to trial, and the First District Court affirmed but certified the case to the Supreme Court.