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Insurance

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.

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. 

USAA Casualty Insuance Company Name and American Flag

When a vehicle is totaled, which of the costs to replace the vehicle should the insurance payout cover? The complaint for this class action alleges that USAA Casualty Insurance Company underpaid customers because it did not include state and local title transfer and vehicle registration fees, which are mandatory with new vehicles.

The Metropolitan Life Insurance Tower

This California class action alleges that Metropolitan Life Insurance Company sold Short-Term Disability (STD) policies whose benefits were “false and illusory” because of the conditions in the policies. The complaint claims the policies provided “no increased value” over California’s State Disability Insurance (SDI) program, which residents of the state already participate in through mandatory payroll deductions.

St. Vincent Infirmary Building

When Nicholas Dorado was injured in an auto accident, he discovered that the facility that treated him did not immediately submit the bills to his insurance company but looked for higher payments than those the insurance company was willing to make. This class action sues St. Vincent Community Health Services, Inc., St. Vincent Infirmary Medical Center, Catholic Health Initiatives Physician Services, LLC, and their insurer First Initiatives Insurance, Ltd. for changing 

Sign at Emergency Room

Under California law, insurers must pay reasonable fees to medical providers for emergency services performed on one of their insureds, even if the medical providers are not part of their own networks. California laws also require prompt payment to medical providers. The complaint for this class action claims that Anthem Blue Cross complies with neither of these laws.

Washington Regional Medical Center Building

This class action takes on another practice of the convoluted US healthcare system in which injuries sustained in a car accident may not be paid for by the injured person’s medical insurance. The complaint claims that plaintiff Curtis Randolph was treated at Washington Regional Medical Center (WRMC), a hospital within his insurer’s network, but that the hospital did not go to the insurer for reimbursement but instead pursued Randolph, sought funds from his auto insurer, and filed a lien filed on his potential personal injury recovery from the accident. 

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