Our panel at today's ABA Insurance Coverage Litigation Committees's Tucson seminar. Our group consists of Rina Carmel of Zelle McDonough & Cohen LLP; Karin Aldama of Perkins Coie, LLP; Demetrius Rush of Zurich North America; and Tred Eyerly of Damon Key Leong Kupchak Hastert. We discussed problems that arise when the policy holder and insurance company disagree on whether to settle.