(December 8, 2016, 4:24 PM EST) -- TUCSON, Ariz. — Because an insured’s automobile insurance policy had lapsed for nonpayment at the time of an at-fault accident, no contract existed, and as a result, there could be no breach of that contract or any action performed in bad faith, a federal judge in Arizona ruled Dec. 5 (Kevin Perry, et al. v. Peak Property and Casualty Insurance, No. 16-555, D. Ariz.; 2016 U.S. Dist. LEXIS 167491)....