CIVIL/ACTIONS: Provides relative to direct action against an insurer

This bill modifies the rules for joining insurance companies as defendants in civil lawsuits, primarily affecting plaintiffs, defendants, and liability insurers. It allows courts to add an insurer to a case after a verdict or settlement is reached to ensure the judgment can be enforced, provided the lawsuit falls within the policy's coverage limits and the insurer has not previously denied coverage. The legislation also establishes specific deadlines for insurers to formally notify insured individuals when they decide not to cover a claim or refuse to defend them in court. Additionally, it sets procedures for how insurers must communicate their decision to reserve rights regarding a claim, requiring written notice to the insured and the insured's legal counsel within a set timeframe before trial.