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Farmers Insurance UM/UIM Stacking Class Action Lawsuit
By Mike Holter
According to the Farmers Insurance anti-stacking class action lawsuit, filed in Nevada District Court, Farmers Insurance unlawfully denies claims filed by subscribers who try to “stack” Underinsured/Uninsured Motorist (UM/UIM) coverage. “Stacking” UM/UIM coverage allows subscribers to increase their coverage limits by insuring multiple cars.
Under Nevada law, car insurance subscribers are entitled to stack UM/UIM coverage if they, or their household and family members, pay full premiums for multiple insured cars.
“Farmers has a business pattern and practice of not providing its insureds with an anti-stacking discount in violation of Nevada law and unlawfully denies its insureds’ claims for stackable UM/UIM benefits…[despite] charging full UM/UIM premiums on multiple vehicles owned by its insureds,” the Farmers Insurance stacking class action lawsuit says. “Such conduct constitutes an intentional and blatant violation of, among other things, [Nevada law.]”
The Farmers Insurance anti-stacking class action lawsuit is brought on behalf of all Nevada residents who (1) were occupants of a motor vehicle insured by Farmers under a personal auto insurance policy; (2) were injured in a motor vehicle accident due to no fault of their own; and (3) who were, between September 8, 2005 to the present, denied stackable UM/UIM benefits under an invalid anti-stacking provision in a Farmers auto policy.
The lawsuit is seeking class action certification, compensatory damages, special damages, punitive damages and more.
A copy of the Farmers Insurance UM/UIM Stacking Class Action Lawsuit can be read here.
The case is Nayanananda Ratnayake v. Farmers Insurance Exchange d/b/a Farmers, Case No. A-11-648013-CX, District Court, Clark County, Nevada.
Updated September 14th, 2011
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