Were you denied your rightful insurance benefits because the insurer claimed you made some kind of material misrepresentation when you initially purchased your policy? Ohio residents who were denied any kind of insurance claim because of a supposed material misrepresentation may be able to join an insurance denial class action lawsuit investigation.

One Ohio couple recently filed a lawsuit against Allstate, alleging the insurance giant unfairly denied them insurance benefits because of alleged material misrepresentation from when they first purchased the policy. They’ve since turned to litigation for breach of contract.

The plaintiffs, Tom M. and Carol V., say they are insured through Allstate. Tragically, on March 12, 2016, the couple’s home suffered from a serious fire in the garage, causing severe damage to the garage and everything in it.

The plaintiffs say that when they reported the fire to Allstate, expecting their insurance claim to be approved, and after cooperating with the claim investigation and providing substantial material, they were surprised when it was denied in January 2017. Allstate’s denial of benefits claimed that the couple had made a material misrepresentation.

According to the lawsuit, Tom and Carol were wrongfully denied their insurance claim, constituting breach of contract. The Ohio couple alleges that Allstate failed to properly investigate their claims, and placing its own interests above theirs.

Insurance Denial Over Material Misrepresentation

Some insurance companies may be illegally denying consumers’ rightful insurance claims, citing alleged material misrepresentation. For example, they may claim that a consumer signed a statement during the insurance application process stating that you were in “good health” while you were taking a blood pressure drug or other common medication. Other supposed material misrepresentation commonly cited is if you indicated that your car was primarily kept at home when your child had taken the car to college, or that the car was titled in your name when it was actually titled in the name of another family member.

If you were denied your insurance claim because of one of these or other alleged material misrepresentation reasons, you may be able to pursue litigation.

This investigation is looking for insurance companies operating in Ohio that may be wrongfully denying insurance claims because of alleged material misrepresentation. These companies include:

• Allstate
• Nationwide
• Progressive
• Protective Life
• State Farm
• Others

Filing a Material Misrepresentation Insurance Denial Lawsuit

If you are an Ohio resident and you were denied your insurance claim because of alleged material misrepresentation or concealed fact when you purchased your policy, you may be able to join this class action lawsuit investigation.

The Insurance Denial Lawsuit is Case No. 3:18-cv-01671-JGC, in the U.S. District Court for the Western Division of the Northern District of Ohio.