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GuideOne Mutual Depreciation of Future Labor Class Action

When an insurance company figures the actual cash value (ACV) of a building that must be repaired or replaced, does depreciation apply to the full price of the building? The complaint for this class action takes issue with the practice of GuideOne Mutual Insurance Company in allegedly depreciating labor in the calculation of its payouts.  Read more

Insurance
Property Insurance, Insurance, Depreciation of Labor Costs, Breach of Contract
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USAA Casualty Offset for UIM Coverage New Mexico Class Action

If you have uninsured/underinsured motorist (UIM) coverage as part of your insurance policy, are you always entitled to receive its benefits? The complaint for this class action alleges that USAA Casualty Insurance Company offers UIM coverage that is essentially illusory and/or misleading, because USAA offsets the amount by the amount of the underinsured motorist’s coverage.  Read more

Insurance
UM/UIM Coverage, Insurance, Denial of Benefits, Auto Insurance
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Liberty Mutual Personal Insurance Depreciation of Labor Texas Class Action

This class action brings suit against Liberty Mutual Personal Insurance Company (LMPIC), alleging that in calculating actual cash value (ACV) for damage to property, it should not depreciate labor costs. The complaint is careful to state that it is objecting to the depreciation of “future labor, yet to be incurred…”  Read more

Insurance
Property Insurance, Insurance, Depreciation of Labor Costs
Illustration of a Whole Hip Replacement

Caring for Montanans Illegal Subrogation Claim Montana Class Action

This class action concerns an argument over who gets the proceeds from a lawsuit over a failed hip replacement. It brings suit against Health Care Service Corporation and Caring for Montanans, Inc., formerly known as Blue Cross and Blue Shield of Montana, Inc., which the complaint refers to, collectively, as Blue Cross. Blue Cross claims  Read more

Insurance
Subrogation, Insurance, Health Insurance
West Bend Mutual Insurance Company Building

West Bend Mutual Improper Depreciation of Labor Class Action

When an insurance company calculates a payout for property damage, what part of the replacement value gets depreciated? The complaint for this class action alleges that West Bend Mutual Insurance Company improperly depreciates the cost of labor for replacing or restoring the property, even though labor does not depreciate.  Read more

Insurance
Property Insurance, Insurance, Incomplete payment of benefits due, Depreciation of Labor Costs
In Vitro Fertilization

BCBS of Illinois LGBTQ Discrimination in Infertility Treatments Illinois Class Action

Do health insurance policies cover fertility treatments? And if so, do LGBTQ individuals have an equal right to receive them? This class action alleges that Health Care Service Corporation, which does business as Blue Cross and Blue Shield of Illinois (BCBSIL), discriminates against LGBTQ people, because it imposes more onerous and expensive prerequisites on them  Read more

Insurance
Medical Care, LGBT Discrimination, Insurance, Health Insurance
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Progressive Gulf, Mountain Laurel “Projected Sold Adjustments” Mississippi Class Action

When a vehicle is totaled, insurance companies must determine its actual cash value (ACV) in order to calculate the payout to policyholders. This class action brings suit against Progressive Gulf Insurance Company and Mountain Laurel Assurance Company, alleging they unfairly apply a “Projected Sold Adjustment” to the prices of comparable vehicles, in order to lower  Read more

Insurance
Insurance, Incomplete payment of benefits due, Auto Insurance, Actual Cash Value
Postcard of Lincoln National Life Insurance Company Building

Lincoln National COI Rates and Improved Mortality Class Action

The cost of insurance (COI) that universal life insurance policyholders pay each month may be based largely on expectations about mortality. So what happens when mortality expectations improve? This class action, against Lincoln National Life Insurance Company, claims that when people are living longer, COI rates should go down.  Read more

Insurance
Life Insurance, Insurance Rates, Insurance, Cost of Insurance
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Progressive Advanced “Projected Sold Adjustments” to ACVs Arizona Class Action

How are insurance companies permitted to calculate the actual cash value (ACV) of totaled vehicles to determine a payout? The complaint for this class action claims that Progressive Advanced Insurance Company unfairly reduces the amounts of its payouts to policyholders by subtracting a “Projected Sold Adjustment” from the values of comparable vehicles when it makes  Read more

Insurance
Insurance, Incomplete payment of benefits due, Auto Insurance, Actual Cash Value
Car Protected by Umbrella

Allstate Northbrook, Esurance Marital Status as Rating Factor California Class Action

Is a married person more reliable or responsible than a single person? The complaint bring suit against Allstate Northbrook Indemnity Company and Esurance Property and Casualty Company, alleging that they use marital status as an optional rating factor in calculating premiums for auto insurance. The complaint alleges that this is not legal in California because  Read more

Insurance
Rating Criteria, Marital Status, Insurance Rates, Insurance, Auto Insurance