Allstate Insurance’s $14M Settlement Is Good News for Policyholders With Personal Injury Claims | Daily Business Review – Law.com

30June 2020


Lawrence Kopelman Lawrence Kopelman Plaintiff counsel in litigation that reached a multimillion-dollar settlement stated the case reveals insurance companies must use the deductible to the customer's full bill, instead of a lowered amount that yields lower reimbursement.

Allstate Insurance Co. participated in a class action settlement arrangement. It dealt with claims it did not abide by insurance coverage it had provided, and which must have supplied personal injury protection benefits, based on an injury protection deductible.

Allstate and a number of entities have paid near $14 million.

Called complainant Gail Pierce acted as the class agent.

The grievance specifies Pierce has an Allstate insurance plan covering her kid, who was involved in a motor vehicle mishap. The policy provided for a $500 deductible, applicable to claims with no-fault advantages. Pierce incurred costs for her boy's medical treatment, consisting of doctor-prescribed sessions with a chiropractic practitioner.

Rather of paying 100% of the expenditures and losses, Allstate lowered the costs by a covered quantity and after that used a deductible to that lowered quantity.

Lawrence M. Kopelman, a lawyer with his private practice at Lawrence M. Kopelman in Plantation representing Pierce, pointed to a Florida Supreme Court ruling relating to Progressive Select Insurance. He stated in the context of an injury protection deductible, the law is now settled.

“Insurance companies need to use the total of the costs charged to the deductible, rather than a reduced repayment rate,” Kopelman stated.

Now, the Broward Circuit Court has certified the settlement class and individuals who sent claims for payment of expenses for medical services under the personal injury protection coverage under a Florida auto lorry insurance policy might be repaid for the expenses.

The accusations in the claim were made against Allstate Insurance Co., Allstate Indemnity Co., Allstate Property and Casualty Insurance Co., Allstate Fire and Casualty Insurance Co., Encompass Indemnity Co., Encompass Floridian Insurance Co., and Encompass Floridian Indemnity Co. The terms of the settlement enabled the business to not confess fault in the event.

Douglas Brehm, a partner at Shutts & & Bowen in Miami representing Allstate, did not respond to ask for comment.

Read the settlement contract:

Litigants entitled to benefits are those who are an “EIP Class Member” or “Provider Class Member” who has not been formerly compensated, according to the website established for class members.

Anyone who believes that they might qualify as a class member should submit a finished and signed claim type prior to Nov. 13. Those who wish to opt out or exclude themselves from the settlement class must supply a written request for exemption no later than July 28.

Kopelman said the private settlements would be the distinction between the calculations of the deductible, which are based upon the fee schedule, instead of being based upon the complete charge.

“It will vary in each instance,” Kopelman stated. “It's truly more a concern of methodology than quantities since the amounts are going to differ. But as an outcome of the lawsuits on the concern, they've paid near to $14 million.”

Source: law.com

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