The document discusses an insured's rights under a right of reservation (ROR) defense when settling a claim without the insurer's consent. It raises questions about what the contract and law say regarding an insured's consent, and how settling without consent could affect timing obligations and duties owed to excess carriers, third parties, and the insured. It also questions whether there is a duty to pay undisputed amounts and potential exposure for breaching duties. The document was written by Jacquelyn Beatty and James Murray and provides their contact information.