Davis v. State Farm Lloyds, Inc.
The court applied the rule in Hernandez v. Gulf Group Lloyds that a UIM insured's breach of a consent-to-settle clause will defeat coverage only if the insurer shows it was actually prejudiced by loss of a valuable subrogation right, which the insurer did not establish.
automobile liability insurance policy, underinsured motorist, UM/UIM, settlement without consent, prejudice
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