(August 10, 2015, 2:09 PM EDT) -- COLUMBIA, S.C. — A South Carolina appeals panel on Aug. 5 vacated a lower court’s ruling that an insured has no viable individual claim against insurers but affirmed the lower court’s finding that the insured could not adequately represent the proposed class in her suit alleging that the insurers’ practices regarding medical payments coverage and personal injury protection violated state law and their own procedures (Stephanie A. Smith v. Progressive Halcyon Insurance Company, n/k/a Progressive Direct Insurance Co., et al., No. 2015-UP-392, S.C. App.; 2015 S.C. App. Unpub. LEXIS 473)....