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4323 In a consumer action under the Unfair Competition Law, unfairness should be determined by balancing a substantial injury the consumer could not reasonably have avoided against countervailing benefits to consumers in general or to competition; an uninsured person who was liable for damages resulting from an accident was not substantially injured by an insurer's letter demanding reimbursement of uninsured motorist benefits it paid to its insured, and benefit to the public outweighs any injury the uninsured motorist might claim to have sustained.CitationCAMACHO v AUTO CLUB (UM Subrogation) 142 CA4 1394 [See: InsC 11580.2; B&PC 17200; Camacho v Automobile Club (RhrgGrtd) 139 CA4 63, T/AT 6/06]
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