SCHWARTZ, Judge.
The plaintiff-appellant settled an automobile accident claim for $3,600 with an alleged joint tortfeasor who had $10,000 of liability coverage with Allstate. This was accomplished without the permission of her uninsured motorist carrier, the appellee Fidelity and Casualty Company, in admitted and unexcused violation of the terms of the UM policy. See Arrieta v. Volkswagen Ins. Co.,
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