In Re the Arbitration of Doyle & Mutual of Enumclaw Insurance

Sean Doyle arbitrated his underinsured motorist (UIM) claim with his insurance carrier, Mutual of Enumclaw Insurance Company (MOE). The claim arose out of a five-car accident caused, according to the arbitrators, by the negligence of a phantom vehicle (50 percent), an uninsured vehicle (25 percent), and a vehicle insured by Safeco (25 percent). The arbitrators found that Doyle was without fault. Doyle had settled with Safeco before the arbitration for less than the 25 percent allocated to Safe-co’s insured. Further, Safeco’s liability limits exceeded the total amount of Doyle’s award. The…