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State Farm Mutual No Election of Lower Coverage Pennsylvania Class Action

When a new vehicle is added to an existing insurance policy, does the insurance company need to get a new election of lower uninsured or underinsured motorist (UIM) coverage than the state requires? The complaint for this class action says it does, and brings suit against State Farm Mutual Automobile Insurance Company for reducing coverage  Read more

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Unified Life Insurance Claims Underpayment Settlement

Unified Life Insurance Company is paying more than $10 million to settle a class action alleging it underpaid insureds’ claims under short-term medical insurance policies issued between 2014 and 2017. The complaint alleged that the underpayments occurred because of the use of Data iSight, and that the claims were below the level of payment required  Read more

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State Farm Mutual Auto Insurance “Typical Negotiation Adjustment” Class Action

If your car is totaled in an accident, how does your insurance company calculate its payout of the actual cash value (ACV)? The complaint for this class action alleges State Farm Mutual Automobile Insurance Company has its vendor determine the price of comparable vehicles, then subtracts what the complaint calls “an arbitrary and baseless flat-rate  Read more

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Auto-Owners Insurance Higher Property Valuation for Lower Payout Class Action

On May 18, 2019, Mason’s Automotive Collision Center was damaged by a tornado. Mason’s was insured by Auto-Owners Insurance Company under a policy that does not cover damage to the building’s foundation. However, the complaint for this class action alleges Auto-Owners includes the cost of foundation repair “as part of a scheme to reduce the  Read more

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State Farm Mutual Auto Insurance Sales Tax on Total Losses California Class Action

When an insurance company pays you the actual cash value (ACV) of a totaled vehicle, what is included in that amount? The complaint for this class action alleges that State Farm Mutual Automobile Company should, but does not, include the sales tax that will be charged on a new vehicle.  Read more

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Progressive Casualty “Projected Sold Adjustment” New York Class Action

How does an insurance company calculate the actual cash value (ACV) of a vehicle that has been totaled in an accident? The complaint for this class action alleges that Progressive Casualty Insurance Company determines the cost of “comparable vehicles” but then subtracts a “projected sold adjustment” that unfairly lowers the amount of the payout to  Read more

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Auto-Owners Insurance Claims Depreciation of Labor Multi-State Class Action

When an insurance company calculates a payout for property damage, it may take the cost of a new equivalent structure, then subtract depreciation. But can depreciation be subtracted from labor costs? In certain states, or under certain policies, it cannot, claims the complaint for this class action. It brings suit against Auto-Owners Insurance Company, claiming  Read more

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Safeco Insurance of Illinois Sales Tax on Total Losses Missouri Class Action

When an insurance company must pay for a vehicle that is a total loss from an accident or that has been stolen, what items must be figured into the payout? The complaint for this class action alleges that Safeco Insurance Company of Illinois is required to pay sales tax as part of the payment for  Read more

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Ohio Insurance Claims Nonmaterial Depreciation Settlement

This settlement resolves a class action against four insurance companies: Liberty Insurance Corporation, Safeco Insurance Company of Indiana, LM Insurance Corporation, and Liberty Mutual Fire Insurance Company. The complaint alleged the companies improperly deducted depreciation on nonmaterial costs like labor when adjusting claims.  Read more

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Carefirst BlueChoice Coverage for IVF Embryo Thawing Maryland Class Action

If Carefirst BlueChoice, Inc. insurance policies in Maryland must cover in-vitro fertilizations (IVF), what aspects of this procedure must they pay for? The complaint for this class action alleges that Carefirst is refusing to cover embryo thawing, which the complaint calls “an essential component of most IVF cycles.”  Read more

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