Amica Mutual Insurance Company UM/UIM Stacking Class Action Settlement
Arizona Amica Mutual policyholders who were paid UM/UIM benefits on one vehicle while the policy covered additional vehicles.
Settlement Closed
Who’s Eligible
You may be eligible for the Amica Mutual Insurance Company settlement if you:
- Were insured under an Amica Mutual Insurance Company auto policy that covered more than one vehicle
- Made an uninsured or underinsured motorist (UM/UIM) claim and were paid the policy limit for one vehicle
- Were identified as a class member in Amica’s records and received a Notice in the mail
Eligible States
Claim Deadline
What You Need to Do to Get Paid
To get paid from the Amica Mutual Insurance Company settlement:
Automatic Distribution
No claim form is required. If you are a class member and remain in the class, a payment will be sent to you automatically once the Court grants final approval of the settlement. You do not need to take any action to receive your share.
If you want to opt out of the settlement, you must submit a written exclusion request received by May 21, 2026. Exclusion requests should be mailed to the Settlement Administrator for the Chase Whitehead v. Amica Mutual Insurance Company settlement. For more information and to verify your eligibility, visit the official settlement website.
Class members receive automatic payment based on Amica’s records; no claim form or proof of purchase required.
Settlement Payout
Amica Mutual Insurance Company settlement payments are proportionate shares of the net settlement fund, meaning the exact dollar amount per person varies by class member. Each class member’s share is calculated based on Exhibit A of the Settlement Agreement, which identifies class members and their proportionate allocations. The fund of $2,875,000 will be reduced by administration costs, court-approved attorneys’ fees (up to 30% of the fund), litigation expenses (up to $13,000), and a service award for the class representative (up to $7,500) before distribution. Payments will be sent automatically to class members after the Court grants final approval. No payment method or specific timing beyond final approval has been stated in the settlement materials.
Background of the Lawsuit
The lawsuit, Chase Whitehead v. Amica Mutual Insurance Company (Case No. 22-cv-01978-PHX-DJH), was filed in the United States District Court for the District of Arizona. Plaintiff Chase Whitehead alleged that Amica failed to include required policy language disavowing coverage stacking and did not provide timely written notice to policyholders of their right to select a single policy when making a UM/UIM claim. Under Arizona law, if an insurer doesn’t meet those two requirements, policyholders with multi-vehicle policies are entitled to stack coverage and recover up to the policy limits for each insured vehicle.
Whitehead claimed Amica breached its contract and the covenant of good faith and fair dealing by paying only the single-vehicle policy limit on his UM/UIM claim, rather than stacked limits for all covered vehicles. Amica denies any wrongdoing. The Court admitted that Amica paid Whitehead $100,000, the single-vehicle policy limit, but the Court has not decided who is right.
Instead of proceeding to trial, both sides agreed to a $2,875,000 settlement. The Court has preliminarily approved the settlement. A Final Fairness Hearing is scheduled for June 17, 2026. For details, visit the official settlement website.
Frequently Asked Questions
Who is eligible for the Amica Mutual Insurance Company settlement?
Do I need to file a claim to get paid from the Amica Mutual Insurance Company settlement?
How much will I receive from the Amica Mutual Insurance Company settlement?
What is the deadline to opt out of the Amica Mutual Insurance Company settlement?
What was this lawsuit about?
Can I still sue Amica separately if I stay in the class?
How do I object to the Amica Mutual Insurance Company settlement?
When is the Final Fairness Hearing for the Amica Mutual Insurance Company settlement?
Settlement Administrator
Chase Whitehead v. Amica Mutual Insurance Company
c/o Settlement Administrator
P.O. Box 2755
Portland, OR 97208-2755
Case Details
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Disclaimer
The information on this website is free to access and provided for general educational and informational purposes only. It is not legal advice. We summarise settlement information from official notices, court documents, settlement websites, administrators, and other primary sources where available.
Settlement details and deadlines may change. Always refer to the official settlement website or consult a licensed attorney for advice specific to your situation.
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