OPINION
G. BARRY ANDERSON, Judge.
Respondent Stuart Behr was injured in a car accident caused by Mark Bates and together with his wife Roxanne made claims against Bates. Bates's personal automobile liability insurer paid respondents $100,000 because Bates was the at-fault driver in the accident. Respondents also negotiated a second settlement with Bates's employer's insurer, United States Fidelity & Guaranty Company (USF & G), for approximately ...
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