Retained as Personal Auto & Insurance Bad Faith Expert by counsel for plaintiff. Stowers doctrine was applied after improper denial of an auto liability claim. Central to this litigation was a question of fact regarding a Texas 515a Driver Exclusion Endorsement. Attorney Jim Essman – Shafer, Davis, O’Leary & Stoker Odessa, TX (432) 332-0893. White v. State Farm; Cause #MO-06-108, United States District Court, Western District of Texas.