UNITED STATES COURT OF APPEALS
                         FOR THE FIFTH CIRCUIT


                                No. 98-60678


                             VICTORIA D. WALKER;
                            AND, TERRY E. WALKER;

                                                     Plaintiffs-Appellants,

                                     v.

                         ALLSTATE INSURANCE COMPANY;

                                                         Defendant-Appellee,


            Appeal from the United States District Court
              for the Northern District of Mississippi
                          (2:97-C-152-B-B)


                               August 16, 1999

Before HIGGINBOTHAM, JONES, and DENNIS, Circuit Judges.

PER CURIAM:*

            On June 2, 1994, while driving an automobile owned by

Ralph and Jane Holt, Victoria Walker was injured when she was rear-

ended by a van driven by an uninsured motorist, Thomas Frazier.             In

the accident, Victoria sustained injuries and the Holt automobile

sustained   limited      damage.   No     accident   report    was   prepared,

however, and Victoria did not report the accident to her insurer,

Allstate    Ins.   Co.    (“Allstate”).      On   July   31,   1996,   without

Allstate’s consent, Victoria and her husband, Terry Walker, settled

all potential claims against Frazier up to the limit of his policy



     *
            Pursuant to 5TH CIR. R. 47.5, the court has determined that this
opinion should not be published and is not precedent except under the limited
circumstances set forth in 5TH CIR. R. 47.5.4.
-- $10,000 for each person.1          The Walkers did not make an uninsured

motorist claim against Allstate for the June 1994 accident until

April 30, 1997.2

               When Allstate refused to pay the claim, the Walkers filed

an   action      to    recover    their   uninsured   motorist    benefits    in

Mississippi state court on May 29, 1997.           The action was removed to

the Northern District of Mississippi and, based on the parties’

consent, was referred to a magistrate judge.            Following Allstate’s

motion, the magistrate judge granted summary judgment and dismissed

the Walkers’ claims.         The Walkers timely appealed.

               Under the Walkers’ policy with Allstate, coverage is

specifically excluded for “damages an insured person is legally

entitled to recover because of . . . bodily injury to any person

who makes a settlement with the owner or operator of the uninsured

auto       without    [Allstate’s]    written   consent.”     This   provision

preserves Allstate’s subrogated interest in any claims against an

uninsured tortfeasor.            See Miss. Code § 83-11-107; United States

Fidelity & Guar. Co. v. Hillman, 

, 920 (Miss. 1979);


    1
            Under the Mississippi Uninsured Motorist statute, an “uninsured motor
vehicle” is defined as,
       An insured motor vehicle, when the liability insurer of such vehicle
       has provided limits of bodily injury liability for its insured which
       are less than the limits applicable to the injured person provided
       under his uninsured motorist coverage.

Miss. Code § 83-11-103(c)(iii). The uninsured motorist limit under the Walkers’
policy with Allstate was $100,000 for each person.
       2
            In her deposition, Victoria testified that she mentioned the June
1994 accident to her Allstate agent in July 1994. She confirmed, however, that
she was not making a claim at that time. Moreover, it is undisputed that the
Walkers did not seek Allstate’s consent prior to settling their claim with
Frazier.

                                          2
see also Shepherd v. State Farm Mut. Auto. Ins. Co., 

, 76 (S.D. Miss. 1985).          Even with this provision, when an

insured settles with a tortfeasor without the insurer’s consent,

the insurer’s subrogation rights are extinguished.            See St. Paul

Property and Liab. Ins. Co. v. Nance, 

, 1241-42

(Miss. 1991).      Thus, one of an insurer’s limited protections

against non-consensual settlements by an insured is a breach of

contract defense to an uninsured motorist claim by the settling

insured. See 

Under Hillman, Mississippi law mandates

the result reached by the magistrate judge in this case.                 See

.        The Walkers can cite no cases to

the contrary, and because it is undisputed that Allstate was not

given the opportunity to consent to the Walker/Frazier settlement,

Murriel v. Alfa Ins. Co., 

, 371-72 (Miss. 1997), is

inapposite.3

           AFFIRMED.




     3
            Because we have resolved this case on Hillman grounds, this court
need not reach Allstate’s alternative arguments for affirmance.

                                     3