RULING ON DEFENDANTS’ MOTION FOR SUMMARY JUDGMENT ON PLAINTIFF’S CUIPA/CUTPA COUNT [DOC. 170]

I. INTRODUCTION

Plaintiff Teri Tucker brings this diversity action on an employment practices liability insurance policy ("the Policy”) issued by the Defendant insurance companies, American International Group, Inc. (“AIG”) and National Union Fire Insurance Company of Pittsburgh, PA. (“National Union”) (collectively “Defendants”), to her former employer, newspaper publisher Journal Register East.1 In particular, Plaintiff seeks to collect from Defendants the $4 million judgment entered in her favor in Tucker v. Journal Register East, No. 3:06-CV-307 (SRU) (herein “Tucker I”), the earlier action Plaintiff filed against her former employer as the result of her allegedly unlawful discharge in 2003.2

In its latest Ruling, the Court granted summary judgment for Defendants as to all counts except Count Four, Plaintiffs claim for violation of CUIPA/CUTPA.3 See Tucker v. Am. Int’l Grp., Inc., No. 3:09—*227CV-1499 (CSH), 2015 WL 403195, at *1 (D.Conn. Jan. 28, 2015). As to that claim, the Court denied the motion for summary-judgment without prejudice, and ordered submissions from the parties, as follows:

a. “a letter [from Plaintiff], stating whether she intend[ed] to press all or any of the claimed violations by Defendants of CUIPA/CUTPA, as alleged in Count Four of the Amended Complaint:” .

. b. in the event her letter “declare[d] her intention to press all or any of the CUIPA/CUTPA claims alleged in Count Four,” and if Defendants were so advised, a second motion for summary judgment on those claims; and

c. “[if] Defendant file[d] a motion for summary judgment as to any remaining claims under Count Four,” opposing papers from Plaintiff and a reply by Defendants on or before designated dates.

2015 WL 403195, at *36.

The parties complied fully 'with these orders. On February 4, 2015, Plaintiff filed her letter, affirming her intent '“to pursue her claims arising under subsections (B), (C), (D), (E), (G), and (N) of the Connecticut Unfair Insurance Practices Act, Conn. Gen. Stat. § 88*816(6).” Doc. 166, at 1. Plaintiff clarified that “while she [was] not abandoning her claims arising under the other subsections of CUIPA, (A), (F), and (M), and respectfully reserve[d] the right to press them in the event of a successful appeal, she [was] willing to limit the remaining scope of her action to subsections (B), (C), (D), (E), (G) and (N) to conserve time and resources.”4 Id.

As one would expect in this historically contentious case, Defendants thereafter promptly filed a motion for summary judgment and detailed supporting memorandum with respect to the CUIPA/CUTPA claim. Doc. 170, 171. Plaintiff then filed thorough reply papers, Doc. 174, and most recently, a supplemental authority, Doc, 176-77. The motion is resolved herein.

II. DISCUSSION

A. Standard for Summary Judgment

As the Second Circuit has repeatedly articulated, pursuant to Rule 56(a), Fed. R. Civ. P., “[s]ummary judgment is appropriate only if, drawing all reasonable inferences in favor of the nonmoving party, there is -no genuine issue of material fact and the moving party is entitled to judgment as a matter of law.” Glatt v. Fox Searchlight Pictures, Inc., 811 F.3d 528, 533 (2d Cir. 2016). See also Baldwin v. EMI Feist Catalog, Inc., 805 F.3d 18, 25 (2d Cir. 2015) (same).”5

*228“[A] fact is material if it ‘might affect the outcome of the suit under the governing law,’ and a dispute is genuine if ‘the evidence is such that a reasonable jury could return a verdict for the nonmoving party.”’ Baldwin, 805 F.3d at 25 (quoting Anderson v. Liberty Lobby, Inc., 477 U.S. 242, 248, 106 S.Ct. 2505, 91 L.Ed.2d 202 (1986)). As the United States Supreme Court explained, the summary judgment standard “provides that the mere existence of some alleged factual dispute between the parties will not defeat an otherwise properly supported motion for summary judgment; the requirement is that there be no genuine issue of material fact.” Liberty Lobby, Inc., 477 U.S. at 247-48, 106 S.Ct. 2505.

“In deciding a summary judgment motion, a court must not ‘weigh the evidence, or assess the credibility of witnesses, or resolve issues of fact.’ ” Victory v. Pataki, 814 F.3d 47, 59 (2d Cir. 2016)6 (quoting Kulak v. City of New York, 88 F.3d 63, 71 (2d Cir. 1996)). “If, as to the issue on which summary judgment is sought,' there is any evidence in the record from which a reasonable inference could be drawn in favor of the nonmoving1 party, summary judgment is improper.” Victory, 814 F.3d at 59 (quoting Rodriguez v. City of New York, 72 F.3d 1051, 1061 (2d Cir. 1995)).

The moving party bears the burden of demonstrating that no genuine issue exists as to any material fact. See Celotex Corp. v. Catrett, 477 U.S. 317, 323-25, 106 S.Ct. 2548, 91 L.Ed.2d 265 (1986). As set forth supra, in analyzing the record, the court must “construe the facts in the light most favorable to the non-moving party,” Beyer v. County of Nassau, 524 F.3d 160, 163 (2d Cir. 2008), and is “required to resolve all ambiguities and draw all inferences in favor of the non-movant,” Nationwide Life Ins. Co. v. Bankers Leasing Ass’n, 182 F.3d 157, 160 (2d Cir. 1999). If the movant succeeds in carrying its burden, “the opposing party must come forward with specific evidence demonstrating the existence of a genuine dispute of material fact.” Brown v. Eli Lilly & Co., 654 F.3d 347, 358 (2d Cir. 2011).

The ultimate test “is whether the evidence can reasonably support a verdict in Plaintiffs favor.” James v. N.Y. Racing Ass’n, 233 F.3d 149, 157 (2d Cir. 2000). Put simply, summary judgment is appropriate “[wjhere the record taken as a whole could not lead a rational trier of fact to find for the non-moving party.” Wright v. City of Ithaca, 633 Fed.Appx. 63, 64 (2d Cir. 2016) (quoting Matsushita Elec. Indus. Co. v. Zenith Radio Corp., 475 U.S. 574, 587, 106 S.Ct. 1348, 89 L.Ed.2d 538 (1986)).

B. Alleged Violation of CUIPA/CUTPA

Plaintiffs sole remaining claim in this action is Count Four of the Amended Complaint, which alleges violation of numerous subsections of the “unfair settlement practices” provision of the Connecticut Unfair Insurance Practices Act (“CUIPA”), Conn. Gen. Stat. § 38a-816(6), asserted through Connecticut’s Unfair Trade Practices Act (“CUTPA”), Conn. Gen..Stat. § 42-110a, et seq. In Count 4, Plaintiff alleges that the Defendants’ “acts and omissions” in handling her claim violated CUIPA in that Defendants “failed to properly investigate the facts surrounding Tucker’s claim, failed to conduct a timely or thorough investigation of the facts, failed to make any coverage determination for more than four years, and only after an adverse jury verdict against its insured ... [and] outright refused to even participate in the alternative dispute resolution procedures specified in the Policy itself.” Doc. 126, ¶¶ 103-04. Tucker further asserts that she “may bring a private right of action against the defendants for *229the identified CUIPA violations pursuant to the Connecticut Unfair Trade Practices Act.” Id., ¶105. Lastly, she alleges that Defendants’ CUIPA violations “have been the proximate cause of substantial compensatory and actual damages to [her], entitling her to recover treble and other punitive damages, in addition to satisfaction of her judgment.” Id., ¶ 106.

In the world of private litigation, the CUTPA and CUIPA statutes have a significant but not entirely understood interaction. CUTPA prohibits the use of “unfair methods of competition and unfair or deceptive acts or practices in the conduct of any trade or commerce.” Conn. Gen. Stat. § 42-110b. CUIPA defines “unfair methods of competition” as applied to the insurance trade. Conn. Gen. Stat. § 38a-816. “Connecticut courts generally do not recognize a private cause of action under CUIPA;” however, “violations of CUIPA may be alleged as a basis for a CUTPA claim.” Royal Indem. Co. v. King, 532 F.Supp.2d 404, 410 (D.Conn. 2008)(quoting Bepko v. St. Paul Fire & Marine Ins. Co., No. 3:04 CV 01996 (PCD), 2005 WL 3619253, at *3 (D.Conn. Nov. 10, 2005)), aff'd sub nom., Arrowood Indem. Co. v. King, 699 F.3d 735 (2d Cir. 2012).

It thus follows that a plaintiff may assert a private cause of action based on a substantive violation of CUIPA through CUTPA’s enforcement provision. See, e.g., Belz v. Peerless Ins. Co., 46 F.Supp.3d 157, 165 (D.Conn. 2014); Karas v. Liberty Ins. Corp., 33 F.Supp.3d 110, 116-17 (D.Conn. 2014) (citing McCulloch v. Hartford Life and Acc. Ins. Co., 363 F.Supp.2d 169, 181 (D.Conn. 2005) and Mead v. Burns, 199 Conn. 651, 663, 509 A.2d 11 (1986)). See also Bepko, 2005 WL 3619253, at *3 (“[J]ust as CUTPA is dependent on CUI-PA for substantive content, CUIPA is dependent on CUTPA for enforcement by private parties”) (citation and internal quotation marks omitted); O & G Indus., Inc. v. Travelers Prop. Cas. Corp., No. CV010084433S, 2001 WL 1178709, at *1 (Conn.Super.Ct. Sept. 7, 2001) (a “plaintiff may- not bring a cause of action under CUTPA based on conduct which does not also violate CUIPA where the alleged misconduct- is related to the insurance industry”) (citation omitted).7

CUTPA provides that “[n]o person shall engage in unfair methods of competition and unfair or deceptive acts or practices in the conduct of any trade or commerce.” Conn. Gen. Stat. § 42-110b(a). The statute creates a private cause of action for “any person who suffers any ascertainable loss of money or property, real or personal, as a result of the use or employment of a [prohibited] method, act or practice...” Conn, Gen. Stat. § 42-110g(a). “[T]o prevail in a CUTPA action, a plaintiff must establish both that the defendant has engaged in a prohibited act and that, ’as a result of this act, the plaintiff suffered an injury.” Royal Indem. Co., 532 F.Supp.2d at 411 (quoting Abrahams v. Young & Rubicam, 240 Conn. 300, 306, 692 A.2d 709 (1997)). “The language ’as a result of requires a showing that the prohibited act was the proximate cause of a harm to the *230plaintiff.” Abrahams, 240 Conn. at 306, 692 A.2d 709.8

The CUIPA statute defines “unfair methods of competition and unfair and deceptive acts or practices in the business of insurance.” Conn. Gen. Stat. § 38a-816. In addition to proving a particular violation under the defined “unfair” practices in CUIPA, a plaintiff must show, with respect to “[u]nfair claim settlement practices,” that Defendants were “committing or performing” said unfair practices “with such frequency as to indicate a general business practice. ...” Conn. Gen. Stat. § 38a-816(6).9. Therefore, “[t]he plaintiff must show more than a single act of insurance misconduct; isolated' instances of unfair settlement practices are not sufficient to establish a claim.” Karas, 33 F.Supp.3d at 117. See also Royal Indem. Co., 532 F.Supp.2d at 411 (“In requiring proof that the insurer has engaged in unfair claim settlement practices' with such frequency as to indicate a general business practice, the legislature has manifested a clear intent to exempt from coverage under CUI-PA -isolated instances of insurer misconduct.”) (quoting Lees v. Middlesex Ins. Co., 229 Conn. 842, 849, 643 A.2d 1282 (1994)); Exantus v. Metro. Prop. & Cas. Ins. Co., 582 F.Supp.2d 239, 249-50 (D.Conn. 2008) (granting summary judgment for defendant insurer on CUIPA/CUTPA claim because even assuming arguendo the defendant insurer “committed unfair business practices with respect to [the plaintiffs] claim, there is no evidence in the record suggesting that [the insurer] ha[d] committed similar violations with respect to other claims”—ie., no evidence “sufficient enough to establish a claim under CUIPA as a matter of law”); State v. Acordia, Inc., 310 Conn. 1, 31, 73 A.3d 711 (2013) (“The definition of unacceptable insurer conduct in [CUIPA] reflects the legislative determination that isolated instances of unfair insurance settlement practices are not so violative of the public policy of this state as to warrant statutory intervention.”) (quoting Mead v. Burns, 199 Conn. 651, 665-66, 509 A.2d 11 (1986)).10

*231In the case at bar, Tucker now “pursue[s] her claims , arising under subsections (B), (C), (D), (E), (G), and (N) of the Connecticut Unfair. Insurance Practices Act, Conn. Gen. Stat. § 38a-816(6).”11 Doc. 166, at 1. Those provisions include: “(B) failing to acknowledge and act with reasonable promptness upon communications with respect to claims arising under insurance policies; (C) failing to adopt and implement reasonable standards for the prompt investigation of claims arising under insurance policies; (D) refusing to pay-claims without conducting a reasonable investigation based upon all available information; (E) failing to affirm or deny coverage of claims within a reasonable time after proof of loss statements have been completed;’' (G) compelling insureds to institute litigation to recover amounts due under an insurance policy by offering substantially less than the amounts ultimately recovered in actions brought by such insureds;” and (N) “failing to promptly provide a reasonable explanation of the basis in the insurance policy in relation to- the facts or applicable law for denial of a claim or for the offer of a compromise settlement.” 12 Each of these allegations relates to Defendants’ conduct in handling, investigating and settling Tucker’s claim, particularly the reasonableness of investigation •and promptness of communications with respect to that claim..

1. Defendants’ Motion for Summary Judgment

Pursuant to the Court’s Ruling on January 28, 2015, Defendants move for summary judgment on Plaintiffs remaining CUIPA/CUTPA claim, stating that “[t]here is no factual dispute.” Doc. 171, at 2. .“This case is missing the most basic evidentiary ingredient for a cause of action for ‘unfair settlement. practices’—‘an insured that wanted.a settlement.’ ” Id., at 1. Defendants maintain that in order to survive a motion for summary judgment, the action “must be supported by evidence sufficient to support a finding that unfair conduct within the scope of the relevant provisions of the Act occurred with sufficient frequency to be. considered a ‘general business practice’ of the insurance company.” Id; Defendants conclude that because there is no proof, oh even allegation of such an unfair practice, harm, or general business practice by Defendants, summary judgment should enter against Plaintiff on this claim. Id.

In short, the crux of Defendants’ argument for summary judgment is that “Defendant National Union did not insure *232Plaintiff,” “did not employ” her, and never “retaliated against her.” Id., at 2. According to Defendants, “National Union was responsive, acted in good faith, and met all of its legal obligations to its insured,” which was Plaintiffs former employer, the New Haven'' Register, LLC, a wholly owned subsidiary of Journal Register, Inc.13 Id. Furthermore; Defendants ém-phasize that Journal Register failed to provide National Union with timely notice of Plaintiffs claim either when the claim was first made in 2003 Or when Tucker received a “right to ' sue” letter from the Connecticut Commission on Human Rights and Opportunities (“CCHRO”). Id. In addition, Journal Register failed to provide National Union with notice that Plaintiffs claim “had proceeded past an administrative filing until the jury verdict [was entered] in .her favor” in Tucker I. Id., at 2-3. National Union also asserts that “[t]he records of this Court are cléar”-that “Journal Register never once asked National Union to be involved in a settlement -with Plaintiff before it filed its bankruptcy petition.” Id., at 3.

Furthermore, Defendants make clear that Journal Register never conceded liability for Tucker’s claims in Tucker I:

Journal Register continued to contest its liability in post-trial motions and successfully limited Plaintiffs post-trial security causing this Court to note that remittitur, drastically limiting the verdict amount was likely. (SOF ¶¶ 24, 28, 30).14 The post-trial settlement conference with Magistrate Judge Garfinkel never occurred, bécause Journal Register filed its [bankruptcy] petition two days before it was scheduled. (Amended Complaint, ¶ 65; ■ SOF ¶ 31). Journal Register did not withdraw the post-trial motions until January 5, 2011, as part of its settlement of Plaintiffs unsecured claim in bankruptcy. (Amended Complaint, ¶ 73; SOF ¶¶ 37, 38).

Doc. 171, at 3. Defendants thus infer that Journal Register consistently maintained that Plaintiffs Tucker I claim was “without merit.” Id.

With respect to the CUIPA statute, Defendants assert that CUIPA “does not impose a legal obligation on persons with insurance to settle claims they contend to be without merit,” Id. Moreover, CUIPA is designed “to protect persons who secure insurance, not the people adverse to [those insured].” Id. All duties National Union owed- were “to Journal Register, not Plaintiff’ and Journal Register chose to exercise its legal right to seek bankruptcy protection.” Id., at 3-4. Accordingly, Defendants conclude that the relief Plaintiff seeks under CUIPA “is unprecedented, unjust, and contrary to the very purpose of [the statute].” Id., at 4.

As to unfair settlement practices, Plaintiff first attempted to make her own claim against National Union in July of 2009, after Journal Register filed for bankruptcy protection. Id. Shé was “eventually ignored when she attempted to pose as a policyholder and make a demand for mediation with the American Arbitration Association pursuant to the alternative dispute resolution procedures specified in the policy, which Journal Register had given [to] her in its initial disclosures in Tucker I.” Id. Defendants explain that in July of 2009, “Plaintiff had not yet been assigned any policy rights and was not standing in the *233shoes of the Journal Register in any manner.” Id. (citing Amended Complaint, ¶¶ 71-73). Because Journal Register “never sought mediation concerning the denial of coverage,” Plaintiff possesses “no right to pursue such claims concerning conduct toward her in 2009, either on her own account or as someone who now ‘stands in the shoes’ of Journal Register.” Id. National Union thus argues that “[i]t was not an unfair settlement practice ... not to second guess anything Journal Register was doing in directing its own defense under a policy it understood to have a $150,000 self-insured retention.” Id. (citing Amended Complaint, ¶ 8).

2. Plaintiffs Objection to Summary Judgment

Plaintiff continues to assert her' CUI-PA/CUTPA claim in Count Four of the Amended Complaint, alleging violations of numerous subsections of Conn. Gen. Stat. § 38a-816(6), by way of the Connecticut Unfair- Trade Practices Act (“CUTPA”), Conn. Gen. Stat. § 42-110a, et seq. At this time, as set forth supra, she pursues her claims under subsections (B), (C), (D), (E), (G)and (N) of CUIPA, claiming that Defendants’ violations of these non-coverage-related subsections entitle her “to a jury trial, damages, and equitable relief.” Doc. 174, at 1.

Plaintiff alleges that when Journal Register submitted her CHRO/EEOC claim (through Marsh broker Douglas Worth) to AIG’s Keith Zinsley, Meghan McConville, a trainee in AIG’s claims handling department, essentially mishandled the file. For example, McConville failed'to copy Journal Register on the June 1, 2004 letter she sent to Worth at Marsh, stating that she had been assigned the claim; AIG was reserving its rights, privileges, and defenses under the policy; and that Marsh should “kindly inform” AIG of “any significant events including, litigation ... dr settlement within the retention.” Doc. 174-2 (Ex. 6). Thereafter, “no AIG employee ever contacted anyone at Journal Register to obtain more information about the May 2004 Claim.” Doc. 174, at 5. ■

Tucker points out that the “Tucker file was closed in March 2005,” while her CHRO and EEOC claim “was still pending, without any communication to the insured, without a prompt coverage détermi-nation, and without a prompt or, indeed any investigation of the claim at all.” Doc. 174-3 (Ex. 7, 8, 12).'She thus argues that the “record [of] evidence reveals a complete lack of diligence in responding to or handling the May 2004 Claim.” Doc. 174, at 6. There are “no notes in the claim file showing that McConville, or any other AIG employee, ever placed any phone calls, requested any documents, attempted to schedule any interviews, sent any follow up letters, made any coverage determination or made any other attempts to contact the insured before the file was closed in March 2005.”15 Doc. 174-12 (“Statement of Facts” (“SOF”), ¶ 9) (citing Doc. 143, Ex. 7, 8, 12).

AIG thereafter “never provided a coverage determination to Journal Register on Tucker’s CHRO/EEOC claim for more than four years, and not until after a $4 million judgment had been entered against the insured.” Doc. 174, at 8; Doc. 174-2 ( Ex. 7), Doc. 174-3 (Ex. 10-11). That failure to follow up with the insured—to issue a *234“coverage evaluation promptly after receipt of a claim”—was a violation of AIG’s admitted “standard operating procedure.” Doc. 174-12, at 6 (citing deposition testimony of AIG’s Barry Aranowitz and Japhet Boutin).16

Tucker also suggests that due to Defendants’ failure to investigate the May 2004 claim promptly, “no one ever obtained the November 2008 letter from Attorney Hor-ner to their insured; or ... if any of them did, none considered it a Claim under the policy at issue which justified denial of coverage.”17 Doc. 174, at 10.

With respect to an alleged “regular business practice” of violations, Plaintiff has listed seven cases litigated in federal court.18 Doe. 174, at 2. She professes that “[t]here is no ’magic number’ of cases [she] needs to advance to oppose defendants’ renewed motion for summary judgment, nor must she show that the insured wanted a settlement, as [Defendants argue.” Id. (citations and internal quotation marks omitted). Rather, she argues that the Policy “imposed no obligation [on the insured] to settle any claim, nor does CUIPA.” Id. Rather, the Policy mandates that the in*235sured “defend and contest any Claim against them.” Id., at 2-3.

Plaintiff asserts that “[t]he evidence shows that Journal Register received no value for the premiums ... paid given the [Defendants’ gross inaction in response to the May 2004 CHRO/EEOC claim, which included (i) the lack of any investigation, (ii) [the lack of] any direct communication with Journal Register, and (iii) a four year delay before making a determination of no coverage.” Id., at 3.

Furthermore, Plaintiff asserts that “the existence or non-existence of coverage [under the Policy] is not a relevant factor for the particular subsections of CUIPA at issue.” Id. (quoting the Court’s Opinion at 2015 WL 403195, at *27). She relies on the Court’s prior Ruling on summary judgment in which it clarified that Defendants’ argument rejecting Plaintiffs claim as falling outside the policy coverage was “insufficient” because “[i]n a CUIPA and CUT-PA claim, the insurer’s duty stems not from the private insurance agreement but from a duty imposed by statute.” 2015 WL 403195, at *27 (quoting Lees v. Middlesex Ins. Co., 219 Conn. 644, 653, 594 A.2d 952 (1991)).

3. Analysis

a. Alleged Violation of Statutory Provisions of CUIPA

First, to clarify, Tucker has stepped into the shoes of Journal Register as subrogee under the 2004 Policy.19 Thus, Defendants’ argument that her CUI-PA/CUTPA claim must be dismissed because she is not the insured is of no avail. As a subrogee, she has the rights of the insured, but only those rights.20 See Connecticut Sav. Bank of New Haven v. First Nat’l Bank & Trust Co. of New Haven, 138 Conn. 298, 305, 84 A.2d 267 (1951) (“A subrogee can obtain no greater rights against a third person than its subrogor had.”).

Second, this Court has previously observed that “although the insurance claim Tucker asserts against the Defendant insurers, while she stands in the shoes of the insured Journal Register,'fails because the claim falls outside the coverage of the 2004 Policy, that is not determinative on the viability of Tucker’s claims under CUIPA by way of CUTPA.” 2015 WL 403195, at *25. In Lees v. Middlesex Ins. Co., 219 Conn. 644, 653, 594 A.2d 952 (1991), the Connecticut Supreme Court stated that in *236a CUIPA/CUTPA action, the insurer’s duty arises not from the terms of the private insurance agreement, but from the statutory duty not to engage in unfair business practices. The Lees court reasoned:

In an action on an insurance policy, the conduct giving rise to the insurer’s liability is a failure to pay out the policy proceeds when the insurer is contractually bound to do so. The factual inquiry focuses on the nature of the loss, the coverage of the policy and whether the parties have complied with all of the terms of the policy. In a CUIPA and CUTPA claim, however, the insurer’s liability is ordinarily based on its conduct in settling or failing to settle the insured’s claim and on its claims settlement policies in general. The factual inquiry focuses, not on the nature of the loss and the terms of the insurance contract, but on the conduct of the insurer. Furthermore, in an action “on [the] policy,” the insurer’s duty to comply with the policy provisions stems from the private insurance agreement and is contractual in nature. In a CUIPA and CUTPA claim, the insurer’s duty stems not from the private insurance agreement but from a duty imposed by statute. .

219 Conn. at 653, 594 A.2d 952 (emphasis added).21 Accord Lawrence & Mem’l Hosp., Inc. v. Health Net, Inc., No. HHDX07CV075019865S, 2010 WL 5158334, at *4 (Conn.Super.Ct. Nov. 24, 2010) (“CUIPA and CUTPA claims .. : [are] independent actions based on factual inquiries and sources of duty separate from actions, on the policy.”) (quoting Lees, 219 Conn. at 657, 594 A.2d 952); Alsharabi v. State Farm Ins. Co., No. 51 79 95, 1992 WL 98154, at *1 (Conn.Super.Ct. Apr. 29, 1992) (“Plaintiffs CUIPA and CUTPA claims arise, not from the insurance contract, but rather from the alleged violation by the defendant-insurer of a duty imposed upon it by the Connecticut legislature.”).

To state a' viable claim under CUI-PA/CUTPA, Tucker has pled the two required factors: (1) that the defendant insurers engaged in an unfair insurance practice as defined under CUIPA, and (2) that she was proximately harmed by the insurers’ conduct. In particular, she alleges that “[t]he record shows that [her] CHRO/ EEOC claim was reported in May 2004, and acknowledged by the defendants in writing on June 1, 2004.” Doc. 174, at 27. “Yet the disclaimer of coverage was issued four years later on August 18, 2008.”22 Id.; see also Ex. 5, 6,11. Therefore, “[contrary to AIG’s own unwritten claims handling guidelines and the clear requirements of CUIPA, no prompt investigation of the claim occurred.” Doc. 174, at 27-28. Rather, the file was closed on March 28, 2005, without a coverage determination. Id.; see also Ex. 7,12. In sum, Plaintiff argues that there was “[a] four year delay in disclaim*237ing coverage”—a “virtually unprecedented” delay for such a determination. Doc. 174, at 28.

Plaintiff further asserts that Defendants’ “violations of CUIPA have been the proximate cause of substantial and actual damages to Tucker.” Doc. 126, p. 23 (¶ 106). For example, in her Amended Complaint, she alleges that she incurred “attorneys’ fees and costs” in pursuing payment and/or settlement under the 2004 Policy, believing that, as Journal Register had indicated to her throughout Tucker I and the commencement of the bankruptcy action, there was coverage for her claims under the 2004 Policy.23

Even if the “claims made” provisions of the 2004 Policy prevent contractual coverage for Tucker’s claim, Plaintiff asserts that such a finding is not determinative on her CUIPA claim. The Connecticut Supreme Court has repeatedly held that adherence with contract terms is not the general focus of CUIPA/CUTPA. See, e.g., Heyman Associates No. 1 v. Ins. Co. of State of Pa., 231 Conn. 756, 790, 653 A.2d 122 (1995) (“We have previously recognized that CUTPA and CUIPA claims both ‘ordinarily involve different factual inquiries’ and that ‘the duties ordinarily associated with them derive from different sources’ than claims that rely instead on an underlying insurance contract.”) (quoting Lees v. Middlesex Ins. Co., 219 Conn. 644, 653, 594 A.2d 952 (1991)). The insurer’s liability is based on its conduct in processing, investigating, and settling—or failing to settle—insureds’ claim and on the insurer’s claims settlement policies in general.24

In support of summary judgment on the CUIPA/CUTPA claim, Defendant insurance companies once again rely on the fact that Tucker’s claim predates the 2004 Policy and thus fall outside of its coverage. In so doing they focus solely on the terms of the insurance contract, instead of addressing their own conduct in handling the claim at issue. This argument fails to respond to the definition and broad remedial purpose of a CUIPA/CUTPA claim under Lees v. Middlesex Ins. Co. and *238its progeny. “In a CUIPA and CUTPA claim, the insurer’s duty stems not from the. private insurance agreement but from a duty imposed by statute.” Lees, 219 Conn. at 653, 594 A.2d 952.

Furthermore, Defendants misdirect the focus of their argument for summary judgment on Plaintiffs actions in July of 2009, after coverage was denied and Journal Register had filed for bankruptcy protection. Doc. 171, at 4. They allege that Plaintiff improperly posed as a policyholder at that time and demanded mediation with the American Arbitration Association pursuant to alternative dispute resolution procedures in the policy. Id. However, even assuming that Plaintiff had no contractual rights to arbitration in 2009, Defendants miss the mark regarding Plaintiffs present CUIPA claim for failure to investigate the original claim by Journal Register in 2004, long before the prospect of mediation arose, and to promptly inform her of her lack of coverage. Plaintiff contends that it was Defendants’ failure to make a determination on her claim during Tucker I that preceded her request for mediation, allegedly contributing to her continuing expenditure of costs and attorney’s fees in litigation. After all, the particular CUIPA provisions under which Plaintiff now seeks to proceed pertain to investigation as well as notice of determination on said claim.

Lastly, Defendants cite the Court’s prior ruling in dismissing Plaintiffs judicial es-toppel claim to.argue that there can be no CUIPA/CUTPA violation. Doc. 171, at 11 (citing Doc. 164, at 69). They suggest that because the Court noted no extensive delay in Defendants’ actions of making a reservation of rights in June 2004 and disclaiming coverage after the Tucker I jury verdict in August of 2008, there can be no failure to make a reasonable investigation. Despite the Court’s finding that Defendants responded quickly each time they were contacted regarding Plaintiffs claim (May 2004 and July 2008), the Court made no findings regarding the reasonableness of their investigation, or lack thereof, and in fact explicitly left' open Plaintiffs CUIPA/CUTPA claim, addressing Defendants’ behavior in settling her claim.

Examining the CUIPA subsections under which Plaintiff now proceeds and the factual submissions of the parties, there are numerous genuine issues of material fact regarding how Tucker’s claim was processed and investigated beginning in June of 2004. In particular, the parties dispute whether the appropriate actions were taken by AIG upon receipt , of Tucker’s CHRO/EEOC claim, and whether there was an unreasonable delay in the National Union’s eventual denial of coverage. Tucker asserts that National Union’s computer system placed the claim file on the “inactive” status” 90 days after it was submittéd in May 2004, while her CHRO and EEOC claims were still in their early stages. Doc. 174, at 5; Ex. 2, at 4. The file was then closed in March 2005 “without any communication to the insured, without prompt coverage determination, and without a prompt or, indeed, any investigation of the claim at all.” Doc. 174, at 6, Ex. 7, 8, 12,25 As to investigation by National Union, *239“[t]here are no notes in the claim file showing that McConville, or any other AIG employee, ever placed a call, requested a single document, attempted to schedule a single interview, sent any follow up letters, made a coverage determination, or made any other attempts to contact the insured before the filed was closed in March 2005.” Doc. 174, at 7, Ex. 7, 8, 12. Put simply, Tucker alleges that the May 2004 claim “was not investigated, monitored or handled in any meaningful way by AIG’s team of ’professional claims analysts’ at all.” Doc. 174, at 6, Ex. 1, p. 1. Tucker concludes that Defendants’ “completely lackadaisical response to the May 2004 Claim simply cannot be reconciled with the defendants’ obligations under GUIPA.” Doc. 174, at 10.

In contrast, Defendants contend that they handled the claim promptly by denying coverage after ■ losses arising from Tucker I were presented to .them in Jtíly 2008. They note that the 2004 Policy was “an indemnity only claims-made Employment Practices Liability Insurance Policy with no duty to defend.” Doc. 171-1 (SOF), ¶ 48 (citing Kirby Dec. at Ex. 1, pp. 30-71).26 “As National Union did not have a duty to defend Journal Register, National Union did not have any liability under the 2004 Policy until after final judgment triggered its duty to indemnify.” Doc. 171-1 (SOF), ¶ 44 (citing Kirby Dec. at Ex. 1,' pp. 30-71 (2004 Policy), p. 41, at ¶8 (“The *240Insurer does not assume any duty to defend.”); P- 47, at ¶ 18 (“Any pórson ... who has secured [a] judgment [against the insured]' or written agreement [settling an action against the insured] shall thereafter be entitled to recover under this policy

National Union reserved its rights within a few weeks after réceipt of Journal Register’s May 13, 2004 notice of Tucker’s CHRO/EEOC claim; and then denied coverage to Journal Register one month after being asked -by Journal Register to provide indemnity for the Tucker verdict (ie., on August 18, 2008, upon learning that Tucker I was in suit and had proceed to a jury trial and verdict). See Doc. 174,. Ex. 6 (June 1, 2004 letter from Meghan McCon-ville, AIG, to Douglas S. Worth, Marsh USA, acknowledging submission of Tucker’s claim and reserving all “rights, privileges, and defenses under the policy and available at law or .in equity’’). From the facts before it, upon learning of failed settlement attempts and the jury verdict, Defendants concluded that it was within their rights to disclaim coverage under Clause 8 of the Policy, after not being given the opportunity to participate in settlement or associate in Journal Register’s defense in Tucker I. ■

In particular, as to investigation, National Union stated: .

National Union did not “refus[e] to pay claims without conducting a reasonable investigation based upon all available information.’^ 38a-8l6(6)(d). When National Union learned the Plaintiffs issues had been subjected to litigation and reached a jury verdict, it promptly gathered information to determine what had happened. (SOF ¶¶ 18,19). National Union tracked down the people involved and spoke to Journal Register’s counsel. (SOF ¶¶ 19, 20). National Union learned that, not only had it had been kept in the dark about the ongoing litigation, but also that it had been given no notice of the settlement discussions leading up and through trial, which included multiple offers to settle for a fraction of the eventual verdict. (SOF ¶¶ 20-22).

Doc. 171, at 17.

In other words, Defendants assert that they were only required to investigate after learning of the Tucker I jury verdict. They have stated that in the context of an “indemnity policy without a duty to defend,” “National Union had no duty to investigate the substantive merits of the administrative claims.” Doc. 171, at 14-15. After all, Journal Register “had the attorney of its choice defending the matter [in the CHRO/EEOC claim] and interviewing witnesses.” Id., at 15; see also Doc. 171-1 (SOF ¶ 11, 20).

In contrast, Plaintiff argues that Defendants never performed a proper investigation of her claim at all. In support, she points out that on October 28, 2010, in AIG’s “Answer and Affirmative Defenses,” it admitted that “it did not conduct any investigation of Tucker’s claim.” Doc. 174, Ex. 14, ¶ 51.27 In that same pleading, Defendants admitted that “neither defendant assumed defense of the claim,” “AIG ... did not make any effort to obtain information regarding Tucker’s claim,” National .Union “did not exercise its right to associate in the defense of the claim,” and National Union “did not disclaim coverage until after an adverse verdict.”28 Id., ¶¶ 27, 47.

*241Resolving all ambiguities and drawing all permissible factual inferences in favor of Tucker, as the party against whom summary judgment is sought, there remain genuine disputes of material fact regarding whether Defendants engaged in unfair business practices with respect to the investigation and processing of Tucker’s claim under the 2004 Policy under subsections (C) and (D) of Conn. Gen. Stat. § 38a-816. Even if Tucker ultimately had no contractual rights thereunder due to the elaims-first-made provision, CUIPA requires insurance companies to process claims without the' use of unfair business practices. The exact steps Defendants took, if any, and the policies they followed to process Tucker’s claim in June 2004 are murky and disputed. Plaintiff claims no investigation was taken; Defendants allege that “[pjrior to reserving its rights, the National Union claims handler that received Journal Register’s notice of Plaintiffs claim with the CCHRO reviewed the claim, reviewed the relevant policy, and then made an initial determination upon its investigation as to whether a claim had been made as defined by the Policy.” Doc. 171-1, ¶ 7 (emphasis added) (citing Kirby Dec. at Ex. 5 (Claims Handling Notes indicating that claims handler “[rjeceived and review[ed] new assignment,” summarized claim, and acknowledged submission as a claim as defined by policy)).

Also, other than the June 1, 2004 letter [Doc. 174, Ex. 6] in which AIG (via McCon-ville) reserved its rights and the August 18, 2008 letter in which AIG (via Boutin) rejected Tucker’s claim, the parties dispute whether, when, and how Defendants communicated regarding the claim with Journal Register and/or Tucker. Although Defendants, at one point, stated' that they did not make any effort to. obtain-information regarding Tucker’s claim after it was submitted in early June 2004 [Doc. 51, at ¶ 27], they later stated in their Memorandum in support of Summary Judgment that upon learning of the jury verdict in Tucker I, National Union “reasonably investigated the circumstances relevant to Journal Register’s request for coverage prior to denying coverage” in August of 2008 [Doc. 171, at 11].

Thus, even if, as it turned out, Tucker’s claim was not properly covered by the claims-first-made policy, and thus Defendants were correct in ultimately denying coverage in August of 2008, the question remains whether Defendants’ investigation of the claim prior to that, determination was reasonable—sufficient and/or properly conducted—so that a CUIPA violation did not occur. Specifically, did Defendants “adopt and implement reasonable standards for the prompt investigation of claims arising under [the] insurance po-lic[y]” at issue?” Conn. Gen. Stat. § 38a-816(6)(C). Exactly how and when did Defendants investigate Tucker’s claims and were the steps they took, if any, “reasonable” and/or “based upon all available information”?29 Id:, at § 38a-816(6)(C)-(D).

*242For example, should Defendants have contacted Journal Register directly in May 2004 to gather relevant documentation and/or set up direct lines of communication with the insured regarding status updates of the claim? Even if Defendants eventually reached the proper conclusion that there was no claim under the 2004 Policy, would and should that conclusion have been reached earlier if there had been a proper preliminary investigation regarding documentation and status of the claim in June 2004? -The Court thus finds that Tucker’s claims with respect to subsections (C) and (D) remain viable with respect to prong one: there are genuine issues of material fact regarding whether Defendants conducted a “reasonable investigation” and/or “refus[ed] to pay [Tucker’s] claim[] without conducting a reasonable investigation based upon all available information.”

On the other hand, with respect to CUI-PA subsections (B), (E), (G), and (N), § 38a-816(6), the Court will enter summary judgment for the Defendants. As to (B), Defendants did not “fail to acknowledge and act with reasonable promptness upon communications with respect to claims” arising under the policy at issue. As shown in Ex. 6 [Doc. 174-2, at 34], Defendants acknowledged receipt of Tucker’s CHRO May 19, 2004 claim promptly on June 1, 2004 and requested further information on this claim. See Doc. 174, Ex. 6 (letter from AIG’s Meghan McCon-ville to Marsh agent Douglas S. Worth (dated June 1, 2004) (acknowledging receipt of claim and requesting notice of “any significant events including .litigation, mediation, arbitration, withdrawal, or settlement within the retention”)). Defendants reached out. to the insured Journal Register at that time by notifying its broker.

Thereafter, in late 'July 2008, upon learning that there had been litigation of the claim (Tucker I), resulting in a jury verdict, Defendants communicated with the insured within days to advise Journal Register’s General Counsel, Ed Yocum, that there was no coverage pursuant to Clause 8 of the 2004 Policy. Doc. 174, Ex. 10 & 11.30

Similarly, as to subsection (E), Defendants did not “fail[] to affirm or deny coverage of claims within a reasonable time after proof of loss statements ha[d] been completed.” According to the record, once Marsh broker Tom Gallegos phoned AIG claims analyst Brian Conlin on July 22, 2008, to apprise Defendants of the Tucker I jury verdict (“proof of loss”), Defendants swiftly denied coverage of the $1 million- compensatory and $3 million punitive damages under, Clause 8 of the 2004 Policy.31 The jury award solidified the amount of the “losses” at issue and Defendants rapidly disclaimed coverage there*243of.32 See Ex. 10 [Doc. 174-3, at 7] ((August 4, 2008 email of Joni F. Mason, V.P. of AIG’s Domestic Claims, to Thomas Zona of AIG, explaining that Mason had that day spoken to Journal Register’s General Counsel Ed Yocum and “advised [him] that there was a coverage issue in connection with failure to cooperate and breach of policy provisions that would have allowed [AIG] to associate in the defense”); id,, Ex. 11 (August 18, 2008 letter from Japhet Boutin of AIG Domestic Claims to Ed Yocum, General Counsel to Journal Register Company, denying coverage of Tucker’s claims pursuant to Clause 8 of the Policy). Whether or not Clause .8 was ultimately the proper basis or the only basis for disclaiming coverage, Defendants denied coverage within a reasonable time after being provided proof of loss.

As to subsection (G), violation of that subsection was not included in the allegations of Plaintiffs Amended Complaint, Doc. 126, ¶ 104, so that Tucker may .not pursue such a claim simply in opposition to Defendants’ motion for summary judgment. However, even were she allowed to pursue this claim, the Court would grant summary judgment on (G). There is no evidence that' Defendants compelled either Journal, Register or Plaintiff to institute litigation “to recover amounts due under an insurance policy, by offering substantially less than amounts [Journal Register or Tucker] ultimately recovered in actions brought by such insureds.”33 On the facts of this case, there were no “amounts due under an insurance policy^ when Tucker commenced either Tucker I or this action. Tucker’s claim was not “first made” under the 2004 Policy. It was made prior to, and falls outside of, that policy. It is unfortunate for Tucker that Journal Register failed to provide Defendants with notice of her claim during the period of a relevant EPL Policy period, if any existed.

■ Finally, with respect to subsection (N); Defendants did not “fail[] to promptly provide a reasonable explanation of the basis in the insurance policy in relation to the facts or applicable law for denial of [the] claim.” Conn. Gen. Stat. § 38a-816(6)(N). On August 18, 2004, after being informed of the Tucker I trial, Defendants denied coverage of Tucker’s claim with a “reasonable explanation,” application of Clause 8 in the Policy. That clause stated that “[t]he Insureds shall not admit or assume any liability, enter into any settlement agreement, stipulate 'to any. judgment, or incur any Defense Costs without the prior written consent of the Insurer.” Moreover, “when [the Insurer] has not assumed the defense of a claim pursuant to this clause 8,” the Insurer “shall be entitled to effectively associate in the defense and the negotiation of any settlement of any Claim.” Doc. 174, Ex. 1, at 16. Until July of 2008, Defendants were unaware that litigation in Tucker I was underway, had gone to trial, and resulted in a .verdict.. Furthermore, Journal Register never afforded the Defendants the opportunity to effectively associate in Journal *244Register’s defense or to negotiate any of the proffered settlements. See Doc. 171-1 (SOF), ¶22 (“Journal Register had bypassed a prior settlement demand of $500,000 without informing National Union, as well as a demand of $250,000 while the jury was deliberating, further without informing National Union”) (citing Kirby Dec. at Ex. 6, p. 9 (AIG internal email, dated August 4, 2008). Therefore, when presented with an adverse judgment—a loss under the Policy—Clause 8 provided a “reasonable” basis for Defendants to disclaim coverage under those circumstances and at that time.34

It is not clear on the record whether Defendants would or could have learned earlier of the “claims first made” basis for disclaiming coverage had Defendants performed an investigation into Tucker’s claim prior to July of 2008. Nonetheless, on the record presented by the parties on summary judgment, Defendants’ disclaimer of coverage under Clause 8 did not violate subsection (N) because Clause 8 provided a “reasonable”—if not the best or only— explanation to disclaim coverage once Defendants were presented with the Tucker I jury verdict (a “loss” under the Policy),

b. General Business Practices

Before making a final determination as to whether Plaintiff’s CUIPA/CUTPA claim should be allowed to proceed under subsections (C) and (D) of Conn. Gen. Stat. § 38a-816(6), the -Court must examine the facts regarding the second requirement to support a CUIPA/CUTPA claim: proof of an unfair “general business practice” by the Defendants. To demonstrate such a “general business practice” of faulty investigation of claims, Plaintiff has provided eight litigated cases in which there were “other instances of unfair claims handling or settlement practices on the part of the defendants or their wholly-owned subsidiaries.” Doc. 174, at 2,14; Ex. 42-48; Doc. 176-77. For these cases, Tucker submitted printouts of the court’s decision and/or relevant pleadings in which the plaintiffs alleged improper business practices by Defendants and/or AIG’s wholly-owned subsidiaries.35 The cases are presented in various- procedural postures, e.g., on a motion to dismiss, on summary judgment, upon a jury verdict, and on appeal of a judgment.

With respect to these cases, Plaintiff professes that “[tjhere is no ’magic number’ of cases [she] needs to advance to oppose defendants’ renewed motion for summary judgment, nor must she show that the insured wanted a settlement, as [Defendants argue.” Doc. 174, at 2 (citing Belz v. Peerless Ins. Co., 46 F.Supp.3d 157, 167 (D.Conn. 2014)). In support, Plaintiff cites recent federal decisions in this District, which hold that “as few as two or three [incidents of unfair business practices] are sufficient to suggest a regular business practice.” Id. (citing Belz, 46 F.Supp.3d at 167; Karas v. Liberty Ins. Corp., 33 F.Supp.3d 110, 117 (D.Conn. 2014)). Plaintiff clarifies that there is no requirement that the unfair insurance practices occur within Connecticut, nor that the cases presented consist of “actual adjudications of bad faith claims handling or settlement practices.” Doc. 174, at 13. Moreover, Plaintiff points out that all of the entities who allegedly engaged in un*245fair business practices were controlled by AIG and held out to the public as “AIG Companies.” Id, at 14.

As further evidence of unfair general business practices, Plaintiff has submitted to the Court a “list and report compiled by the American Association for Justice[, an association of American trial lawyers,] entitled: ’The Ten Worst Insurance Companies in America: How They Raise Premiums, Deny Claims, and Refuse Insurance to Those Who Need it Most.’” Doc. 174, at 22, Ex. 49. The report discusses AIG’s claims handling practices in a negative light, describing “claims-handling abuses” which are based on AIG’s focus of “turning a profit on underwriting.” Doc. 172, at 28; Ex. 49, at 8-9. Tucker contends that the report is admissible pursuant to Rule 808(17), Fed. R. Evid., as a “market report and similar commercial publications” in that it is “a list” and a “compilation of information about the insurance industry generally relied upon by the members of a particular profession, i.e., the legal profession.” Doc. 174, at 23; see also Ex. 52 (describing the “American Association for Justice,” which prepared the report at issue).

Lastly, Plaintiff relies on her expert’s principal and supplemental reports (Ex. 21 & 22), discussing and refuting Defendants’ allegations that they had “no obligation to” investigate Tucker’s claims because the 2004 Policy was an “excess policy.” Doc. 174, at 22. Plaintiffs expert, Daryll W. Martin of Percipient Resources, Inc., avers that in his experience as “both senior litigation counsel for two of the world’s largest insurance brokers” and “as an insurance brokerage executive,” he has never encountered an insurer who “attempted to make a primary liability policy an excess policy” in an effort to “try[] to distance itself from even a minimal claim investigation obligation.” Doc. 174, at 22 (quoting Ex. 22, at 1-2) (emphasis omitted).

Defendants counter by arguing that “Plaintiffs claims are so unique and novel as to simply defy the type of proof required under CUIPA.” Doc. 171, at 8. Moreover, Plaintiff “merely points to allegations raised against various AIG entities in an attempt to attribute those acts to AIG itself.” Id., at'25. According to Defendants, Plaintiff fails to provide a basis to attribute the actions of the AIG subsidiaries to either National Union or AIG and to justify deviating from what Defendants term, “the traditional legal rules of corporate structure.” Id. However, AIG fails to actually refute Plaintiffs assertions that AIG’s subsidiaries appearing in the cited cases were not “wholly owned” and controlled by AIG.

Finally, Defendants attack the “inadmissible” forms of evidence Plaintiff has presented. They argue that each of the cases is “factually distinguishable from the presr ent case” and more than one case occurred outside Connecticut. Defendants also argue that Plaintiffs baseless allegations, “even cast in the most - positive light, amount to hearsay and online gossip.” Id., at 25-29.

c. General Business Practices Evidence

As Judge Underhill described in Belz v. Peerless Ins. Co., 46 F.Supp.3d 157 (D.Conn. 2014), on a motion to dismiss, the “appropriate consideration [when analyzing a CUIPA claim] is whether the plaintiff has made facially plausible factual allegations that, in the circumstances of the particular case, the defendant has engaged in the alleged wrongful acts enough to suggest it has a general business practice of doing so.” 46 F.Supp.3d at 166 (citing Karas, 33 F.Supp.3d 110, 117 (D.Conn. 2014); Quimby v. Kimberly Clark Corp., 28 Conn.App. 660, 672, 613 A.2d 838 (1992)). To state a plausible claim under Rule 12(b)(6), Fed. R. Civ. P., “[r]elevant factors may include: the degree of similarity be*246tween the alleged unfair practices in other instances and the practice allegedly harming the plaintiff, the degree of similarity between the insurance policy held by the plaintiff and the policies held by other alleged victims of the defendant’s practices; the degree of similarity between claims made under the plaintiffs policy and those made by other alleged victims under their respective policies; and the degree to which the defendant is related to other entities engaging .in similar practices.” Belz, 46 F.Supp.3d at 166.

On summary judgment, as in the case at bar, the plaintiff must come forward with some proof that the defendant has ah actual business practice of engaging in wrongful acts. The question arises: do,the federal cases presented, the industry report, and/or the opinion of Plaintiffs expert present' evidence of such similar unfair business practices? I conclude that at least four cases presented offer such evidence of an adjudicated wrongful business practice by Defendants that resembles the allegedly, wrongful practices in the present, case. See, e.g., Acacia Research Corp. v. Nat’l Union Fire Ins. Co., No. SACV 05-501 (PSC), 2008 WL 4179206, at *16 (C.D.Ca. Feb. 8, 2008) (in findings of fact and conclusions of law, trial court held that insurer engaged in unreasonable conduct in connection with insured’s claim, including failure to properly investigate, so “that Defendant improperly and unreasonably withheld benefits due to Plaintiff under the Policy”); Anderson v. Amer. Int’l Group, Inc., No. 2003-01212-B (Mass. Super. Ct. April 8, 2014) (upholding jury verdict for plaintiffs against National Union and AIG, having “no difficulty in concluding, in the circumstances of this case, that AIGCS and AIGTS’ investigation of [plaintiff’s] accident failed to meet [the] standard’-’ for a reasonable investigation based on all available evidence).36 See also United Technologies Corp. v. Am. Home Assur. Co., 118 F.Supp.2d 181, 184 (D.Conn. 2000) (denying motion to alter or amend judgment, finding that “[a] jury was thus justified in drawing from these facts the inference that [property insurer] ‘parked’ the property pollution claims, while misleading or deceiving the plaintiff insured into believing that productive steps towards claims resolution were underway”).37

■ In addition, Plaintiff has presented, as a supplemental authority, Victaulic Co. v. American Home Assurance Co., et al., No. RG12642929 (Alameda County Superior Court, California), in which a “$166 million [jury] verdict was entered against National Union and two other AIG entities for malicious claims handling.” Doc. 176 (filed March 30, 2016). As Plaintiff asserts, the jury “found that the claims themselves were handled in an irresponsible, misleading and deceptive fashion.” In support, Plaintiff has presented the Second Amended Complaint in that action, which alleges inadequate investigation by the defendant insurers. See Doc. 177-1, ¶ 96 (defendant insurers “first failed to timely investigate *247and respond in an appropriate manner.to Yictaulic’s demands for coverage, delaying unreasonably their responses to the notice of claims[;] [m]oreover, due to the failure of Defendants to properly conduct an investigation, Defendants purported to base the numerous purported restrictions on coverage on allegations not supported by actual facts or on suppositions containing no basis in reality”); ¶ 185 (g) (alleging that defendant insurers “fail[ed] to conduct a full and thorough investigation of the Claims and facts surrounding them, and assert[ed] grounds for denying coverage based on a willful disregard for the truth and/or a misunderstanding of the facts resulting from their inadequate investigation”).

Granted, the facts of the aforementioned cases are similar, rather than identical to, the facts in Plaintiffs.case. However, each of these cases provides examples of the defendant insurer’s general failure to properly and/or timely investigate a claim.

In contrast, with respect to the proffered list of the “Ten Worst Insurance Companies,” the Court cannot determine from the evidence presented whether it qualifies as an exception to the hearsay rule as a “market report” or “list” relied upon by attorneys under Rule 803(17). Insufficient background information has been presented (e.g., as to methods of fact gathering, credentials of the authors) to so qualify this list. The Court is merely provided with Plaintiffs representation that the author, “[t]he American Association for Justice is an association of American trial lawyers who are presumably all officers of the courts to which they are admitted.” Doc. 174, at 23. Moreover, Plaintiff contends that the list is a “compilation of information about the insurance industry generally relied upon by members of ... the legal profession.” Id. She offers no proof as to how the list was compiled and no examples of when/how the list is allegedly used.

The Court also necessarily refrains from ruling at this time on the admissibility of Plaintiffs expert’s report at this time. There are numerous factors to be evaluated before a Court may admit such evidence.38 See Fed. R. Evid. 104(a) (mandating that “[t]he court must decide any preliminary question about whether a witness is qualified, a privilege exists, or evidence is admissible”). The Court must determine whether the expert’s testimony will be reliable and helpful. All considerations to be analyzed with respect to expert testimony are not' available on the current record.

As a threshold matter, the Court must “ascertain! ] the reliability of proffered testimony,” and/or “whether the reasoning or methodology underlying the testimony is scientifically valid.” Daubert v. Merrell Dow Pharmaceuticals, 509 U.S. 579, 592, 113 S.Ct. 2786, 125 L.Ed.2d 469 (1993). “Unlike an ordinary witness [governed by Rule 701, Fed. R. Evid.], an expert is permitted wide latitude to offer opinions, including those that are not based on firsthand knowledge or observation.” Id., 509 U.S. at 590, 113 S.Ct. 2786. The exception made for such experts “is premised on an assumption that the expert’s opinion will have a reliable basis in the knowledge and experience, of his discipline.” Id. Plaintiff has provided Martin’s *248“Curriculum Vitae,” which provides information as to his positions held, educational background, past experiences testifying as an expert, and $300 per hour billing rate. Martin -also lists materials upon which he relied in drafting his report, without fully describing his methodology in producing the report.

In any event, the Court need not determine the admissibility of Martin’s proffered expert report at this time, Fed. R. Evid. 702, because even without considering that report or the list of “worst insurance companies,” the Court finds that Plaintiff has presented sufficient evidence of similar unfair business practices in the cage law she has presented. Such evidence creates a genuine issue of material fact regarding an unfair “general business practice,” so that this claim may withstand Defendants’ motion for summary judgment at this time.

d. Damages

Although the Court finds that there are genuine issues as to whether Defendants acted reasonably in investigating Tucker’s claim and whether Defendants committed unfair general business practices, the Court must also determine whether there is a genuine dispute as to the second component of a viable CUI-PA/CUTPA claim—damages. “[T]o prevail in a CÚTPA action, a plaintiff must establish both that the defendant has engaged in,a prohibited act and that, ’as a result of this act, the plaintiff suffered an injury.” Royal Indem. Co. v. King, 532 F.Supp.2d 404, 411 (D.Conn. 2008) (quoting Abrahams v. Young & Rubicam, 240 Conn. 300, 306, 692 A.2d 709 (1997)). “The language ’as a result of requires a showing that the prohibited act was the proximate cause of a harm to the plaintiff.” Abrahams, 240 Conn. at 306, 692 A.2d 709.

In the case at bar, with respect to damages, it is clear that Plaintiff cannot recover the damages awarded in the jury verdict in Tucker I.39 As this Court has previously held, 2015 WL 403195, the 2004 Policy at issue was explicitly a “claims made” policy with an effective policy period. of January 12, 2004 through January 12, 2005. Because the November 3, 2003 letter [Doc. 154-9] from Tucker’s counsel, Horner, to Journal Register’s publisher, Walsh, was a demand letter, constituting a “claim” under the policy, Plaintiffs claim pre-dated the 2004 Policy’s period. Accordingly, the claim fell outside the coverage of the 2004 Policy so that Plaintiffs claim to recover the Tucker I judgment under that policy fails. As subrogee on the 2004 Policy, Plaintiff has no greater rights than Journal Register to recover from Defendants on the policy; and Journal Register was not entitled to indemnity on Tucker’s claim, which fell outside the requisite policy period. See Connecticut Sav. Bank of New Haven v. First Nat. Bank & Trust Co. of New Haven, 138 Conn. 298, 305, 84 A.2d 267 (1951) (“A subrogee can obtain no greater rights against a third person than its subrogor had.”); see also Southland Corp. v. Self, 36 Conn.Supp. 317, 319, 419 A.2d 907 ( Conn.Super.Ct. 1980) (“An insurer, as subrogee or assignee of claims of its insured, stands in the insured’s shoes and is subject to any and all defenses which are available against the insured had he brought suit in his own name.”).40 In sum, *249Plaintiff has no right to recover policy-proceeds with respect to the 2004 Policy under her CUIPA/CUTPA claim.

In contrast, Plaintiff may, in the event she is able to prove her CUIPA/CUTPA claim, recover statutory damages if she can demonstrate at trial that she has been damaged by Defendants’ failure “to adopt and implement reasonable standards for the prompt investigation” of the claim or by Defendants’ refusal to pay said claim “without conducting a reasonable investigation based upon all available information.” Conn. Gen. Stat, § 38a-816(C), (D). However, proving the existence of such damages will present a considerable challenge for Plaintiff. She has argued that if she had known earlier that her claim would be rejected,- she would not have incurred all of the attorney’s fees and costs that she did in pursuing Journal Register in Tucker /.41 One problem, however, is that Plaintiff takes no responsibility for the fact that she may have had, or be imputed with, knowledge of the November 2003 demand letter, the basis for Defendants’ ultimate rejection of her claim, since it was drafted by her former counsel, Stephen Horner.42 It is the existence of that letter that an insurer’s investigation might have revealed. Also, as subrogee with respect to the 2004 Policy, she is responsible for having read the policy’s terms, including its “claims made” provisions.43

Throughout this litigation Plaintiff has challenged the legal significance of the November 2003 letter as a “demand letter,” so it is somewhat problematic for her to now argue that she was damaged by the delay of that letter’s emergence. If, as Plaintiff contends, the letter has no legal significance as a demand letter (ie., it was just a letter), the time when Defendants discovered it would have no effect on Tucker’s choice to litigate. She would, both before and after learning of the letter’s *250existence, pursue her actions against Journal Register and Defendants, expecting to eventually recover proceeds under the 2004 Policy for her underlying verdict in Tucker I.

Furthermore, as Defendants argue, the record reflects the possibility that Tucker’s counsel was aware that there was an issue as to whether the 2004 Policy covered Tucker’s claim when, before commencing this action and shortly after Journal Register filed for bankruptcy, Tucker’s counsel wrote to Journal Register’s General Counsel: “We understand that there are coverage issues and I assume the client may be concerned about having blown coverage. That is something we can work on together.” Doc. 100-22 (email from Jed Horwitt, Esq. to Shaunna Jones of broker Wilkie, Farr & Gallagher, dated March 11, 2009) (emphasis added). Tucker questions the construction of her counsel’s language in that email, but the language “blown coverage” arguably speaks for itself.

In sum, to succeed on her present CUI-PA/CUTPA claim, Plaintiff must prove that she actually incurred damages {e.g., attorney’s fees, costs of litigation) as the result of Defendants’ unfair business practices (failure to properly investigate). Whether or not Defendants performed a réásonable investigation of Plaintiffs claim, they denied coverage in August of 2008. Both before and after that denial, Plaintiff vigorously litigated, initially against Journal Register and then against Defendants, to recover her losses stemming from her wrongful termination by Journal Register. She thus faces the challenge of proving that her attorney’s fees and litigation costs were created by Defendants’ alleged CUIPA/CUTPA violations. Needless to say, those alleged damages are contested by Defendants, giving rise to genuine issues of material fact.44

Because the Court must view the facts in the manner most favorably to Plaintiff at this juncture, her CUIPA/CUTPA claim may proceed on subsections (C) and (D) of Conn. Gen. Stat. § 38a-316(6). The jury can thus decide whether, for example, the Defendants’ earlier discovery of the November 2003 letter, albeit drafted by Tucker’s own prior counsel, would have prevented Tucker from further expenditure of attorney’s fees or costs in Tucker I and/or this matter. As the Second Circuit recently articulated, on summary judgement, “a court must not weigh the evidence, or assess the credibility of witnesses, or resolve issues of fact.” Victory v. Pataki, 814 F.3d 47, 59 (2d Cir. 2016) (citation and internal quotation marks omitted).

III. CONCLUSION

For the foregoing reason, Defendants’ Motion for Summary Judgment as to Plaintiffs CUIPA/CUTPA claim [Doc. 170] is GRANTED IN PART AND DENIED IN PART. The motion is GRANTED as to Conn. Gen. Stat. §§ 38a-816(6) (B), (E), (G), and (N), With respect to these subsec*251tions of Connecticut’s Unfair .Insurance Practices Act, “there is no genuine dispute as to any material fact” and Defendants, as movants, are “entitled to judgment as a matter of law,” Fed. R. Civ. P. 56(a).

Summary judgment is DENIED as to Conn. Gen. Stat. §§ 38a-816(6) (C) and (D). As to these CUIPA subsections, resolving all ambiguities and drawing all permissible factual inferences in favor of Plaintiff, the party against whom summary judgment is sought, the Gourt finds that there remain genuine issues of material fact, Fed. R. Civ. P. 56(a).

Having ruled on the last-filed dispositive motion in this action, the Court sets the due date for filing the joint trial memorandum as May 5, 2016. The case will be regarded as trial ready on June 6, 2016.

The Court reminds the parties that Magistrate Judge Garfinkel long ago extended the offer to counsel to contact his Chambers “when they are ready to schedule another settlement conference in this matter.” Doc. 33. Given the parties’ arduous and bitterly contentious history in litigating this matter, they may wish to have one final opportunity to seek a mutually acceptable resolution of the case before submitting the matter to trial.

The foregoing is SO ORDERED.