First Acceptance Insurance Company of Georgia, Inc. v. Hughes.

Summary

The court held that an insurer's duty to settle arises only when an injured party presents a valid offer to settle within the insured's policy limits. Although the injured parties' letters made such an offer, the letters did not impose a 30-day acceptance deadline, and the insurer acted reasonably in not accepting before the offer was withdrawn. The court therefore reversed the decision below and reinstated summary judgment for the insurer.