The General Auto Insurance Class Action Settlement

If you were insured by The General and had a claim for uninsured or underinsured motorist (UM/UIM) benefits denied due to a waiver of stacked benefits, you may be eligible to submit a claim for a payment in the amount up to the stacked policy declaration value from a class action settlement.

General Automobile Insurance Services has agreed to pay to settle a class action lawsuit for allegedly denying stacked uninsured and underinsured motorist coverage benefits improperly. The lawsuit claims that The General failed to obtain new waivers of stacked coverage from policyholders after they added new vehicles to their policies, resulting in denied claims for stacked UM/UIM coverage.

Who is eligible for a settlement payment?

Class members must meet the following criteria:

• You were involved in a motor vehicle accident and sustained injuries.
• You had an insurance policy with The General that provided unstacked uninsured and/or underinsured motorist coverage.
• You added a new vehicle to your policy by endorsement (Amended Declarations Pages), rather than through the "Additional Acquired Auto" or "Newly Acquired Vehicle" clauses.
• You submitted an injury claim to The General for uninsured or underinsured motorist benefits and your claim was denied.
• The General did not obtain a new waiver of stacked UM/UIM coverage from you after adding the new vehicle.

How much will the insurance class action payout be?

• Each approved claimant will have their uninsured or underinsured motorist claim they submitted to the The General individually evaluated.
• The General will provide the claimant with a compensation offer, the amount based on the details of the individual policy and claim.
• Claimants that disagree with The General's evaluation and monetary offer, can request to have a court appointed Special Master to review and issue a final and binding decision.

For example, if your original policy provided $50,000 in unstacked UM/UIM coverage, and stacking would have increased your coverage to $100,000, you could potentially receive up to the full $100,000, depending on your claim evaluation.

How to claim an class action settlement payment

To claim a class action rebate, you must submit a completed claim form by the deadline of July 7, 2025. Class members can access the claim form on the settlement website. The claim form can be submitted online, or you can download and print a claim form to mail in.

Settlement Administrator's mailing address: Conti v. General Automobile Insurance Services Settlement Administrator, P.O. Box 301172, Los Angeles, CA 90030-1172.

Required proof and information

• Claim number and PIN from notice required to access the claim form on the settlement website.
• Claimants must provide detailed information about the accident and the injuries sustained. Supporting documentation such as hospital or doctor visit records and medical professional statements must be included.

Payout options

A check will be mailed to the address on file with The General

Settlement fund breakdown

The settlement fund will include:

• Settlement administration costs: To be determined
• Attorneys' fees and expenses: $577,500
• Service award to class representative: $7,500
• Payments to approved claimants: Determined individually, separate from the above amounts

Important dates

• Deadline to File a Claim: July 7, 2025
• Fairness Hearing: January 27, 2026

When is the Conti v. General Automobile Insurance Services payout date?

The final hearing will take place on January 27, 2026. Payments will be issued to class members with valid claims after final approval is granted by the court and the claim evaluation process is complete.

Why did this class action lawsuit happen?

This lawsuit was filed because The General allegedly failed to obtain new waivers of stacked uninsured and underinsured motorist coverage from policyholders after they added new vehicles to their policies. Consequently, The General denied claims for stacked UM/UIM coverage, prompting the class action lawsuit.

General Automobile Insurance Services agreed to settle the lawsuit to avoid further litigation and the possibility of a trial.

Sources

1. Official Settlement Website FAQ Page
2. Important Dates & Deadlines Page from Official Settlement Website