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Incomplete payment of benefits due

USAA Logo

This is one of a number of recent class actions taking issue with how insurance companies calculate payments owed for losses. The complaint for this class action alleges that USAA Casualty Insurance Company (UCIC) improperly calculates the amount due to its policyholders by depreciating labor costs.

Allstate Sign on Building

When an insured person makes a claim for property losses, how are the value of the property and its depreciation costs determined? The complaint for this class action alleges that Allstate Vehicle and Property Insurance Company does not properly calculate the value of properties because it subtracts depreciation for the value of labor.

Farmers Insurance Logo

This settlement resolves a class action against Farmers Insurance Exchange, Mid-Century Insurance Company, and Truck Insurance Exchange concerning actual cash value insurance payouts. The complaint alleged that the companies improperly withheld estimated amounts of labor depreciation from payouts for certain covered losses under commercial insurance policies.

Totaled Vehicle After Accident

This is one of a number of class actions brought recently against insurance companies for their methods of figuring the actual cash value (ACV) of a vehicle when it is totaled in an accident. The complaint alleges that, in the event of a total loss, State Automobile Mutual Insurance Company and its subsidiary, Meridian Security Insurance Co., make false adjustments to vehicle prices so they can pay their customers less than they should be getting.

Shelter Insurance Logo

The complaint for this class action alleges that Shelter Insurance Company does not use a valid method for determining the actual cash value (ACV) of a totaled vehicle, relying instead on something called a CCC One Market Valuation Report. 

Front End of Car After Crash

The complaint for this class action alleges that Progressive Northwestern Insurance Company violates Arkansas law in using a Mitchell Valuation Report to determine the actual cash value (ACV) of total-loss vehicles.

The Cupped "Good Hands" of Allstate

What happens when you have PIP (personal injury protection) coverage but the insurance company refuses to pay adequate rates to your medical providers for treatment? The complaint alleges that Allstate Fire and Casualty Insurance Company and Allstate Insurance Company have refused to pay providers outside of Pennsylvania the “usual and customary” rates for treatment provided to Pennsylvania insureds with PIP coverage. 

Geico Mascot Gecko

A number of persons have filed class actions against auto insurance companies in the past year or so on the subject of the actual cash value (ACV) of totaled vehicles. This is another such lawsuit, with the complaint alleging that Geico General Insurance Company does not include sales tax in its calculation of a vehicle’s ACV.

Geico Gecko

When Danielle Russell was injured in an accident, she was treated by a chiropractic business called Randy Rosenberg, DC, PA. Afterwards, Geico did not pay the entire amount of her bills, even though they were lower than her coverage limits. The dispute in this class action revolves around how much Geico General Insurance Company pays for medical bills under personal injury protection (PIP) coverage. 

Steep Roof, Seen from the Top

The difficulty in evaluating insurance policies is that you never know how good the company is until you have an actual loss and see how their payment system works. The complaint for this class action alleges that LM Insurance Corporation (Liberty Mutual) does not properly pay for labor, in at least two different ways, in its actual cash value payouts for damages to property.

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