With no explanation, chose the best option from "A", "B", "C" or "D". husband for wrongful death and also asserted causes of action against the insurance company for bad faith and misrepresentation based on its refusal to properly settle her claim. Id. at ¶ 5. ¶ 13 In Speiry, we determined that the plaintiffs “wrongful death claim [submitted to the insurer] was not based upon her own coverage but on [her husband’s] liability coverage for negligence.” Id. at ¶ 10. Thus, we concluded that the plaintiff could not be considered a party to the insurance contract for purposes of her bad faith action against the insurer since the insurer, in its capacity as the liability insurer of her husband, owed her no contractual good faith duties to settle her claim. Id. at ¶ 11; see also Pixton v. State Farm Mut. Auto. Ins. Co., 809 P.2d 746, 749-50 (Utah Ct.App.1991) (<HOLDING>). ¶ 14 Allstate argues that, like the plaintiff

A: holding that an injured third party does not have the right to bring a direct action against a tortfeasors liability insurer
B: holding that an insurer which insures a tortfeasor under a liability policy has no obligation of good faith and fair dealing to an injured third party even where the injured third party also carries a separate policy with the insurer
C: holding that an injured party in an underlying tort action was not a necessary party in an action by an insurer for declaratory judgment of nonliability where the injured person had not obtained judgment against the insured
D: holding that there is an actual controversy between an insurer and the party injured by the insured
B.