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Incomplete payment of benefits due

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.

Mutual of Enumclaw Logo

More than $2 million is the cost for Mutual of Enumclaw (MOE) to settle a class action alleging that it did not correctly value vehicles in its payouts for total losses. The complaint alleged that the company subtracted an amount for a “typical negotiation” that was not supported, reasonable, or allowed under state laws.

Hand and Pen Filling Out Insurance Claim

This class action makes claims for interest on a delayed life insurance payout. The complaint says that ACE American Insurance Company’s policy provides for interest on delayed payouts, but the company has refused to pay it. 

Figure with Flag from Columbia Insurance Group Logo

The complaint for this class action claims that Columbia Mutual Insurance Company, which does business as Columbia Insurance Group (CIG), uses a report that “systematically undervalues” the vehicles of its insureds when settling total loss claims. The result is “a payment of less than the actual cash value” (ACV), saving CIG money at its customers’ expense.

Pension plans have certain requirements as to payouts under federal laws. The complaint for this class action claims that Anheuser-Busch Companies, LLC (AB) did not meet these requirements, because it used an old actuarial table that does not accord with current life expectancy figures.

Severe Water Damage

When your home suffers damage, it may be worth less, even after repairs. The complaint for this class action alleges that Nationwide Mutual Fire Insurance Company paid owners for repairs but not for this diminution of value, despite state laws requiring it to do so.

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.

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