With no explanation, chose the best option from "A", "B", "C" or "D". bad faith claims reveals that many jurisdictions hold that a bad faith claim either does not exist or should be held in abeyance until there is a final resolution of the contractual coverage claim. See, e.g., Blanchard v. State Farm Mut. Auto. Ins. Co., 575 So.2d 1289, 1291 (Fla.1991) (a bad faith claim does not accrue before the conclusion of the underlying litigation for contractual UIM benefits); National Sav. Life Ins. Co. v. Dutton, 419 So.2d 1357, 1362 (Ala.1982) (finding that to make out a prima facie case of bad faith, the evidence must show that the plaintiff is entitled to a directed verdict on the contract claim, and therefore is entitled to recover on the contract claim as a matter of law); Lexington Ins. Co. v. Royal Ins. Co. of Am., 886 F.Supp. 837, 841-42 (N.D.Fla.1995) (<HOLDING>). Based on this survey, this Court held that

A: holding the obligation to defend does not arise until the insurer is presented with a complaint
B: holding that a bad faith claim is a tort
C: holding that where excess policy provided that duty to defend did not arise until the underlying insurance was exhausted by payments of judgments settlements and any cost or expense subject to such limit excess insurers duty to defend did not arise until the payment of the settlement
D: holding a bad faith claim does not arise until there is a final determination of the insurers liability claimants damages and resolution of any appeals
D.