Key legal question
Whether the undisclosed file note and lack of opportunity to comment violated the right to be heard
Extracted holding
Yes. The note concerned a decisive factual point and had to be disclosed for comment before reliance on it.
Extracted reasoning
Because the note was used as a basis for the objection decision and contained potentially exculpatory elements, the insured had to be given access and a chance to respond. The defect could not be cured, since she was never heard by a court with full review and expressly requested remittal.