Lyman-v-ACFIC Settlement

  Lyman v. Auto Club Family Insurance Company Settlement

Case No. 22SL-AC10668-01, Circuit Court of St. Louis County, Missouri

A class action settlement involving insurance claims may provide payments to those who qualify.

  • There is a class action lawsuit pending in the Circuit Court of St. Louis County, State of Missouri about whether Auto Club Family Insurance Co. (“Auto Club”) properly deducted certain types of depreciation when adjusting some structural damage insurance claims in Missouri between June 5, 2012 and August 12, 2025.
  • You may be eligible for a payment if you qualify and timely submit a valid claim form.
  • If you are a Class Member, your legal rights are affected whether you act or don't act.
YOUR LEGAL RIGHTS AND OPTIONS IN THIS SETTLEMENT
SUBMIT A CLAIM FORM BY JANUARY 19, 2026 The only way to get a payment if you qualify.
ASK TO BE EXCLUDED BY NOVEMBER 6, 2025 You get no payment. This is the only option that allows you to individually sue Auto Club over the claims resolved by this settlement.
OBJECT BY NOVEMBER 6, 2025 Write to the Court about why you don't agree with the settlement.
GO TO A HEARING ON DECEMBER 9, 2025 Ask to speak in Court about the settlement.
DO NOTHING You get no payment. You give up rights.
  • These rights and options – and the deadlines to exercise them – are explained in the Class Action Notice.
  • The Court in charge of this case still has to decide whether to approve the settlement. If it does, and if any appeals are resolved in favor of the settlement, then money will be distributed to those who qualify. Please be patient.

How do I know if I am a part of the settlement?

The Class includes persons who, between June 5, 2012 and August 12, 2025, filed an insurance claim for structural damage to property located in the State of Missouri that occurred on or after June 5, 2012, on a Missouri homeowner’s insurance policy issued by Auto Club, where an Xactimate or other computerized estimate was generated, and a payment was made from which Nonmaterial Depreciation was withheld, or that would have resulted in a payment, but for the withholding of Nonmaterial Depreciation causing the loss to drop below the applicable deductible.

How much will settlement payments be?

Class Members who complete a claim form and timely submit it—either by mail to the proper address or by submitting it on this website—will be eligible for a specific payment.

For persons who have not already recovered the full amount of Nonmaterial Depreciation, this amount is 100% of the value of the Nonmaterial Depreciation withheld from his or her ACV payment that has not already been recovered, plus interest on the value of the Nonmaterial Depreciation to be paid pursuant to this settlement at a rate of 5% per annum from the time that the Class Member was sent his or her ACV payment to the date of final approval.

The exact amount of the settlement payment depends on several things, including:

  • (a) the amount of estimated Nonmaterial Depreciation that was deducted, and
  • (b) the amount of estimated Nonmaterial Depreciation that was paid in a later payment by Auto Club (if any).

For persons who subsequently received compensation for all initially withheld Nonmaterial Depreciation, they are entitled to receive a payment of:

  • $25 if the amount of Nonmaterial Depreciation was between $1 and $40,000,
  • $50 if the amount was between $40,001 and $80,000, and
  • $75 if the amount was greater than $80,000.

When and where will the Court decide whether to approve the settlement?

The Court has scheduled a Settlement Final Approval Hearing at 9:30 a.m., on December 9, 2025, at the Circuit Court of St. Louis County, 105 South Central Avenue, Clayton, Missouri 63105. At this hearing, the Court will consider whether the settlement is fair, reasonable, and adequate. If there are objections, the Court will consider them at that time. The Court may also decide how much to award Class Counsel for fees and expenses for representing the Class and whether and how much to award the Class Representative for representing the Class.

The hearing may be held remotely, in which case notice will be posted on this website. Please continue to check this website for updates.