In Badillo v. Mid Century Ins. Co., 2005 OK 48, 121 P.3d 1080, the court recognized that a directed verdict should be granted only if the party opposing the motion has failed to demonstrate a prima facie case for recovery. 121 P.3d at 1092, citing Gillham v. Lake Country Raceway, 2001 OK 41, 24 P.3d 858. The court then explained that the "essential elements plaintiffs were required to show to make out a prima facie case were as follows: they were covered under the ... insurance policy ... ; the actions of insurers were unreasonable under the circumstances; insurers failed to deal fairly and act in good faith toward them in their handling of the ... claim; the breach or violation of the duty of good faith and fair dealing was the direct cause of any damages sustained by plaintiffs." (Badillo, supra, 121 P.3d at 1093.)