A federal judge on Monday approved $23.1 million in attorney fees in a class action over Wells Fargo’s auto insurance gap coverage program, a final step in a settlement that’s changing how the banking giant operates.

The award is more than half the $45 million settlement fund, but U.S. District Senior Judge James V. Selna of the Central District of California said in an order finalized Monday the settlement is worth “at least $84 million, and has a likely future value to class members of approximately $107 million.”