NORTHCUTT, Judge.
Sherman Love and his wife Patricia sued various persons and companies for damages resulting from an automobile accident. The insurer for one of the defendant companies became insolvent and Florida Insurance Guaranty Association, Inc. (FIGA) took over the defense of the suit. The Loves' attorney sent FIGA a settlement demand in the amount of $210,000. In a letter, FIGA's senior claims examiner responded:
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