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Kansas City Life Insurance Company Building

Life insurance policies often have a “cash value” feature. Each month, the insurance company is able to deduct certain costs from the cash value—but only those costs permitted by the policy agreement. The complaint for this class action alleges that Kansas City Life Insurance Company deducts more than it is entitled to from the cash value.

The Personal Insurance Company Logo

The Personal Insurance Company and its parent company, Desjardins General Insurance Group, Inc., are paying more than $2 million to settle a class action alleging that the Personal violated the Personal Information Protection and Electronic Documents Act.


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.

United Behavioral Health Logo

United Behavioral Health (UBH) “administers mental health and substance use disorder benefits for commercial welfare benefit plans,” says the complaint for this class action. But, according to the complaint, UBH’s guidelines for accepting or rejecting treatment under those plans have been flawed and were rejected in a previous class action. This class action seeks to extend the class period for those who want to make claims against UBH.

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.

United HealthCare Sign in Front of Building

This class action, brought against entities in the UnitedHealthcare group of companies, concerns contracts for a Medicare Advantage (MA) insurance plan. The plaintiffs say they are being dropped as providers without being given any reason and that the process violates MA Regulations and the companies’ provider manual.