Geico class action overview:
- Who: Four policyholders filed a class action lawsuit against Geico Secure Insurance Co., Geico Casualty Insurance Co., Geico Advantage Insurance Co. and Government Employees Insurance Co.
- Why: The plaintiffs allege Geico underpaid policyholders for the actual cash value of their total loss vehicle claims.
- Where: The Geico class action lawsuit was filed in Ohio federal court.
Geico policyholders recently filed a class action lawsuit against the auto insurer, claiming it underpaid them for their total loss vehicle claims.
Plaintiff Jamil Abdullah and three others filed the class action complaint against Geico Secure Insurance Co., Geico Casualty Insurance Co., Geico Advantage Insurance Co. and Government Employees Insurance Co. on Oct. 30 in Ohio federal court. They allege violations of state and federal consumer protection laws.
The plaintiffs say they each purchased Geico auto insurance policies from one of the Geico operating units in Ohio and made first-party insurance claims when they suffered damage to their vehicles.
Geico allegedly declared their vehicles a total loss, requiring it to pay the actual cash value (ACV) of those vehicles.
Instead of paying ACV, as required by the insurance policies and Ohio law, Geico reduced the payment amount by deducting an arbitrary “condition adjustment” from the actual cost of comparable vehicles used to determine the ACV, even though neither Geico nor its valuation vendor CCC Intelligent Solutions inspected the comparable vehicles, the Geico class action lawsuit says.
Geico underpaid ACV claims using a condition adjustment, class action alleges
The plaintiffs argue Geico’s practice of deducting a condition adjustment from the ACV of total loss vehicles violates its insurance policies and Ohio law.
They say the condition adjustment is applied categorically without regard for the unique characteristics of comparable vehicles and is contrary to appraisal standards and methodologies.
The Geico class action lawsuit claims the insurer’s conduct represents a scheme and design to mislead and defraud its insureds and benefit financially through improper and deceptive means.
The plaintiffs seek to represent an Ohio class of Geico insureds who suffered damage to their vehicles that were determined to be a total loss and received an ACV payment based on a CCC One Market Valuation Report.
In a separate lawsuit filed in Texas federal court in February, policy holders accused GEICO of misleading people with its accident forgiveness policy and unfairly raising premiums for customers who believed they were protected by this policy.
What do you think of the allegations made in this Geico class action lawsuit? Let us know in the comments.
The plaintiffs are represented by Patrick J. Perotti and Frank A. Bartela of Dworken & Bernstein Co. LPA, James A. DeRoche of Garson Johnson LLC, and Erik D. Peterson of Erik Peterson Law Offices PSC.
The Geico class action lawsuit is Abdullah, et al. v. Geico Secure Insurance Co., et al., Case No. 1:25-cv-02339-CEF, in the U.S. District Court for the Northern District of Ohio, Eastern Division.
Don’t Miss Out!
Check out our list of Class Action Lawsuits and Class Action Settlements you may qualify to join!
Read About More Class Action Lawsuits & Class Action Settlements:
Were you denied a job because of a background check? Know your rights under FCRA.
November 10, 2025 | Legal News
