It is not per se a breach of the insurer’s duty of good faith for it to fail to accept a reasonable settlement offer within policy limits. Accordingly, to support a bad faith judgment against the insurer, the jury must find that the insurer acted unreasonably in rejecting (or failing to accept) even a reasonable settlement offer within policy limits. Here, the jury answered special verdicts, none of which asked whether the insurer had acted reasonably. Accordingly, the special verdicts did not support the judgment which had to be vacated with directions to enter judgment for the defendant insurer. (The insurer had failed to accept the settlement because of the lack of cooperation of an additional insured who may have been the driver in this car crash and whose participation in the settlement the claimant insisted on.)