UTTER, J.
The trial court, in a tort declaratory judgment action, ruled in favor of the respondent, Irene Prutzman, holding that she could accept a settlement offer of $12,600 from her insurer, Safeco, with whom she had uninsured motorist coverage for $15,000 and that she could also recover the difference between that settlement and $15,000 from the appellant, Washington Insurance Guaranty Association (WIGA).
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