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Insurance

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.

Building for QESI

What do you do when you have medical insurance, but the providers refuse to submit the claim to the insurer and instead pursue you for payment, using a debt collection company? Plaintiff Timothy Smith decided to bring this class action, against Qualified Emergency Specialists, Inc. (QESI) and Choice Recovery, Inc.

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.

Yellow Hardhat on Orange Safety Cone

This class action is brought against certain members of the Liberty Mutual Group of insurance companies and a Liberty Mutual subsidiary that provides their claims administration. The complaint alleges that the companies do not provide prompt payment of workers’ compensation claims nor an explanation of why the claims are disputed. 

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.

This class action is another case where a company has classified a worker as an independent contractor rather than an employee. However, in this case plaintiffs Jason Sheldon and Steven Hunsberger had to invest a significant amount of money. The plaintiffs were led to believe that they were starting their own businesses, but the complaint alleges that State Farm controlled nearly everything and provided a great deal of misinformation.

New York Life Logo

The complaint for this class action alleges that New York Life Insurance and Annuity Corporation hiked the premium on its universal life policies by an excessive rate. It did this, the complaint says, using an illegal policy form to support its moves, and forced many people to allow their policies to lapse, leaving them with nothing for all the years they’d paid in.

Caliber Home Loans Office Interior

This settlement resolves a class action concerning lender-placed insurance (LPI) placed on mortgaged homes by Caliber Home Loans, Inc. LPI is placed on a mortgaged property when the borrower’s insurance lapses or if the lender believes that the borrower’s insurance in inadequate. With LPI, the borrower pays Caliber for the premiums and Caliber remits the premiums to the insurance company.

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