Rubio is injured in an accident with Stavros. Unable to use his hands due to the injury, Rubio indicates that Tam should sign a settlement agreement on Rubio's behalf with Stavros's insurance company. This is

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This is an example of an agency by agreement, where Rubio (the principal) has given Tam (the agent) the authority to sign a settlement agreement on his behalf due to his inability to sign it himself due to injury. This agreement can be verbal or written and does not require formal documentation to establish the agency relationship.

Rubio Is Injured in an Accident with Stavros