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Auto Insurance

Total Loss Vehicle (Crashed into Lighting Pole)

When an automobile is totaled in an accident, the company that insured the vehicle must pay the owner its actual cash value (ACV). The issue in this class action is that insurer First Acceptance Insurance Company, Inc. does not include all costs of replacing the vehicle, such as title transfer fees.

Hand Filling Out Insurance Claim Form

Consumers County Mutual Insurance is settling a class action alleging that it unfairly refused to pay certain PIP (personal injury protection) claims. The complaint claimed that the company violated Texas state law by improperly denying payment of all or some of PIP claims on the basis that a third-party insurance company paid all or some of the medical bills.

Totaled Vehicle

The way insurance companies arrive at a valuation of a vehicle in the event of a total loss is a mystery to many consumers. The complaint for this class action claims that First National Insurance Company of America and LM General Insurance Company (LMGIC) subtract an unexplained “conditional adjustment” so that they can pay out less.

Allstate Sign in Front of Building

Allstate Insurance Company will pay up to nearly $4 million to resolve a class action brought on behalf of customers in Washington state. When some vehicles’ structural systems are damaged, they cannot be fully repaired, and their value is therefore diminished.

State Farm Logo

This settlement resolves a class action claiming that State Farm Mutual Automobile Insurance Company improperly denied or limited personal injury protection (PIP) benefits. The complaint alleged that the company used a “maximum medical improvement” (MMI) standard that violated Washington state insurance laws.

Elephant Insurance Company Logo

When an insurance company pays the replacement cost of a vehicle that is a total loss, should that amount include sales tax and title/tag transfer fees? The complaint for this class action says yes, and it alleges that Elephant Insurance Company owes these amounts to its insureds who have had total losses. 

MetLife Logo

On October 24, 2015, Sean McGinnis was stopped at a red light when his vehicle was hit head-on by another. He was extensively and permanently injured in the accident. At issue in this class action is “stacked” uninsured or underinsured (UIM) motorist coverage. The complaint alleges that MetLife Auto & Home improperly denied McGinnis the stacked coverage his parents had chosen and paid for.

Motorcycle After Accident

Francis J. Butta was severely and permanently injured in an accident when he was riding his motorcycle. Since the driver of the car that hit him did not have sufficient coverage to compensate him for his injuries, he attempted to obtain stacked coverage from his parents’ car insurance policy. However, the insurer, Geico Casualty Company, refused his claim. The complaint claims breach of contract.

State Farm Logo

When you’re in an accident and your vehicle is declared a total loss, how is the value of that vehicle determined? The complaint claims that State Farm Mutual Automobile Insurance Company, with the help of JD Power & Associates and Mitchell International, undervalues vehicles and pays its insureds less than it should. 

Geico Gecko

This class action, against Geico General Insurance Company is similar to another recently filed against a different automobile insurer, alleging that the company miscalculated what it owed under its personal injury protection (PIP) coverage to the provider of treatment for injuries sustained during an auto accident. 

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