In Government Employees Ins. Co. v. Quine, 45, the insurer brought an action for a declaration that the insurer was not required to pay its insureds, what the insureds claimed was an undisputed amount in UIM benefits. The Quine Court of Justice considered whether an insurer`s refusal to make an unconditional partial payment of UIM benefits constituted a breach of the duty to act in good faith and to act fairly where (1) the economic/particular damage suffered by the insured had been fully recovered by the insured to the civil liability insurance of the civil liability insurer; 2. the insurer immediately carried out research and assessed the assessment of the claims; (3) there was a legitimate dispute about the non-economic/general damage suffered by the insured; and (4) that the benefits due were not fixed in a fixed manner. . . . . .