A multi-line insurer, facing a series of class and related opt-out actions brought on behalf of policyholders asserting causes of action based on breach of contract, breach of the duty of good faith and fair dealing, fraud and violation of the Arizona Consumer Fraud Act, was represented by Larry Scarborough. The cases resulted in judgment in favor of insurer, judgment against significant portions of a certified class, permission to appeal a certification order pursuant to Fed. R. Civ. P. 23(f) and several settlements prior to trial, including reversion to client of majority of one of two class settlement funds.