Brittany Friar v. Safeco Insurance Company of America

District Court, D. Colorado·Decided July 30, 2026·No. 1:21-cv-02888·Unknown

Opinion

IN THE UNITED STATES DISTRICT COURT FOR THE DISTRICT OF COLORADO

Civil Action No. 21-cv-02888-RMR-KAS

BRITTANY FRIAR,

Plaintiff,

v.

SAFECO INSURANCE COMPANY OF AMERICA,

Defendant. _____________________________________________________________________

RECOMMENDATION OF UNITED STATES MAGISTRATE JUDGE _____________________________________________________________________ ENTERED BY MAGISTRATE JUDGE KATHRYN A. STARNELLA

This matter is before the Court on Plaintiff’s Motion to Enforce Settlement [#138] (the “Motion”). Defendant filed a Response [#141]1 and Plaintiff filed a Reply [#142]. The Motion [#138] has been referred to the undersigned for a Recommendation pursuant to 28 U.S.C. § 636(b)(1)(B), Fed. R. Civ. P. 72(b)(1), and D.C.COLO.LCivR 72.1(c)(3). See Order Referring Motion [#144]. The Court has reviewed the briefs, the case file, and the applicable law. For the following reasons, the Court RECOMMENDS2 that the Motion [#138] be DENIED.

1 In its Response, Defendant “moves this Court for an Order enforcing a settlement between the parties consistent with Safeco’s release[.]” Response [#141] at 13. Under D.C.COLO.LCivR 7.1(d), however, “[a] motion shall not be included in a response or reply to the original motion. A motion shall be filed as a separate document.” Therefore, the Court disregards the motion contained in Defendant’s Response as improper. 2 In this District, magistrate judges generally resolve motions to enforce settlement agreements on recommendation rather than by order. See, e.g., Lucier v. Midland Credit Mgmt., Inc., No. 14- cv-0847-WJM-MJW, 2014 WL 5784695, at *1 (D. Colo. Nov. 5, 2014) (adopting recommendation to deny motion to enforce); Siribuor v. UHS of Denver, Inc., No. 12-cv-00077-RBJ-KLM, 2012 WL 3590793, at *1 (D. Colo. July 23, 2012), report and recommendation adopted, 2012 WL 3590791 (D. Colo. Aug. 20, 2012) (adopting recommendation to grant motion to enforce). I. Background Plaintiff Brittany Friar was injured in a car crash on August 23, 2019, and subsequently received medical care. Motion [#138] at 1; Response [#141] at 1. She resolved her claim against the at-fault driver for the driver’s insurance policy limit of

$100,000. Response [#141] at 1. At the time of the crash, Plaintiff had an insurance policy through Defendant Safeco Insurance Company of America which provided for $250,000 in underinsured motorist (“UIM”) benefits. Motion [#138] at 1; Response [#141] at 3. Plaintiff submitted a claim to Defendant for $250,000, and Defendant paid $22,065.80 in UIM benefits to Plaintiff in November 2020. Motion [#138] at 1; Response [#141] at 2. Plaintiff, believing that she was entitled to at least the full $250,000 in UIM benefits provided for by the policy, sued, asserting claims for breach of contract, unreasonable delay or denial under Colo. Rev. Stat. §§ 10-3-1115 and 1116, and bad faith breach of insurance contract. See Compl. [#5]. On multiple occasions, the parties engaged in settlement negotiations. See Response [#141] at 2-5. On September 22, 2025, the parties

informed the Court that they had reached a settlement (the purported “Agreement”) and that they were “in the process of finalizing the settlement documents[.]” Notice of Settlement [#136] at 1. On October 3, 2025, Plaintiff filed her Motion [#138] to enforce the Agreement, claiming that Defendant was attempting to alter the Agreement’s terms. See generally Motion [#138]. Defendant responded, agreeing that the Agreement should be enforced, but disagreeing as to certain terms. See generally Response [#141]. In reply, Plaintiff reiterates that an enforceable contract was formed through clear and unambiguous terms and that Defendant is attempting to alter those terms. See generally Reply [#142]. II. Findings of Fact “In this instance, the [C]ourt need not conduct an evidentiary hearing because there are no material facts in dispute.” Bath v. Equifax Info. Servs. LLC, No. 18-cv-00572- PAB-NYW, 2019 WL 2375238, at *2 (D. Colo. May 10, 2019), report and recommendation adopted, 2019 WL 2372675 (D. Colo. June 5, 2019). The parties’ descriptions of the

material facts surrounding settlement negotiation do not conflict, and both parties agree that a settlement exists. See Siribuor v. UHS of Denver, Inc., No. 12-cv-00077-RBJ-KLM, 2012 WL 3590793, at *1 (D. Colo. July 23, 2012) (deeming evidentiary hearing unnecessary because the parties’ descriptions of the at-issue material facts match); City & County of Denver v. Adolph Coors Co., 813 F. Supp. 1476, 1482 (D. Colo. 1993) (stating that a hearing is unnecessary where the parties do not dispute a settlement’s existence); see also Motion [#138] at 4-5; Response [#141] at 11 (“an enforceable settlement agreement was reached”). The Court recommends that the following facts be accepted as undisputed:

1. On December 19, 2024, Defendant, through counsel, emailed Plaintiff’s counsel with a “settlement offer of $252,934.20 in new money which, together with the Fisher payment3 of $22,065.80, reflects the $250,000.00 Underinsured Motorist Limits and an additional $25,000.00 in estimated costs.” Response [#141] at 2-3 (quoting Def. Ex. A [#141-1] at 2 (B.R Ross-Shannon T. Garvey email)) (emphasis added). 2. Defense counsel’s December 19, 2024 email to Plaintiff’s counsel included a Release with provisions addressing confidentiality, general release, Plaintiff’s assumption of full responsibility to pay any and all liens and subrogation claims, and Plaintiff’s indemnification of Defendant in connection with any liens or subrogation claims brought. Def. Ex. A [#141-1] at 4-5.

3 The term “Fisher payment” comes from State Farm Mutual Automobile Insurance Company v. Fisher, 418 P.3d 501, 506 (Colo. 2018), in which the Colorado Supreme Court held that “insurers have a duty not to unreasonably delay or deny payment of covered benefits, even though other components of an insured’s claim may still be reasonably in dispute.” Thus, a Fisher payment is an insurance company’s payment of the undisputed portion of a UIM claim. 3. The December 19, 2024 email further stated that if the offer is not accepted by December 31, 2024, Defendant “will serve a Statutory Offer of Settlement/Offer of Judgment for $227,934.20 in new money which together with the Fisher payment, reflects the UIM policy limit of $250,000.00.” Id. (emphasis added). 4. On January 2, 2025, through counsel, Plaintiff rejected Defendant’s offer. Response [#141] at 3 (citing Def. Ex. B [#141-2] (T. Garvey-B. Ross-Shannon email).

5. On January 23, 2025, Defendant emailed Plaintiff with another settlement offer “for the policy limits, inclusive of the previous Fisher payment.” Response [#141] at 3 (citing Def. Ex. C [#141-3] at 1 (B.R Ross-Shannon_T. Garvey email)) (emphasis added).

6. On January 29, 2025, Plaintiff rejected Defendant’s offer and countered with an “offer[] to settle all claims for $580,000.00.” Def. Ex. C [#141-3] at 1 (T. Garvey-B.R Ross-Shannon email).

7. During an unsuccessful mediation on August 11, 2025, all Defendant’s settlement offers “were inclusive of [its] prior payment of UIM benefits of $22,065.80 and were conditioned upon execution of a release, including indemnification/hold harmless and confidentiality.” Response [#141] at 5.

8. On Friday, September 19, 2025, by email, Plaintiff offered to “settle this matter, all claim[s], for $375,000.00” and agreed to confidentiality. Def. Ex. E [#141-5] (T. Garvey-B. Ross-Shannon email).

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Brittany Friar v. Safeco Insurance Company of America, (D. Colo. 2026).

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