FARMER, Judge.
In this uninsured motorist (UM) case, the insured settled with the tortfeasor's liability insurance carrier for policy limits of $25,000. Because the insured had received economic loss benefits from his workers compensation carrier, he used $10,000 of the settlement proceeds from the tortfeasor to settle with his workers compensation carrier who claimed a lien on any recovery he might get. He then sued his own UM carrier—but only
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