Miller v. Mutual of Enumclaw Insurance Company, et al.
Miller v. Mutual of Enumclaw

Welcome to the Miller v. Mutual of Enumclaw Settlement Website

If you had an auto insurance policy in Washington issued by Mutual of Enumclaw Insurance Company and/or Enumclaw Property and Casualty Insurance Company and received payment to cover damage to your vehicle between November 25, 2013 and August 14, 2020, you may be able to get a payment from this class action Settlement.

Important Update: The deadline to File a Claim for this Settlement has passed. If you wished to submit a claim, you were required to complete, sign, and return a Claim Form, postmarked by January 25, 2021, or submit a Claim Form online by January 25, 2021.

What is this settlement about?

In this lawsuit, the Plaintiff claims that when certain automobiles sustain damage to their structural systems and bodies, they cannot be fully repaired to their pre-accident condition, causing the vehicles to suffer a loss in value called “diminished value.” Plaintiff alleges that Mutual of Enumclaw Insurance Company and Enumclaw Property and Casualty Insurance Company ("MOE") failed to pay or pay adequately for this type of loss under its Washington insurance policies’ UMPD coverage, and that such an alleged failure to pay is a breach of MOE’s automobile insurance contracts. MOE denies that it did anything wrong.

Am I a Class Member?

You are a member of the Class if MOE paid to have your insured vehicle repaired under the UIM PD provision of an MOE policy issued in Washington; and

  1. the repair estimate on your vehicle (including any supplements) totaled at least $1,000; and
  2. your vehicle was no more than six years old (model year plus five years) and had less than 90,000 miles on it at the time of the accident; and
  3. your vehicle suffered structural (frame) damage and/or deformed sheet metal and/or required body or paint work.

You are not a part of the Class if, at the time of your accident, (a) your vehicle was leased, (b) your vehicle was declared a total loss, or (c) your covered accident was before November 25, 2013.

What does the settlement provide?

Each Class Member who submits a valid claim form will receive a payment that will depend on his or her vehicle repair costs. Here’s how it works: each Class Member is entitled to request a payment. For Class Members who qualify for a payment, that payment will be calculated as the Class Member’s repair cost times the portion of the Settlement paid to Class Members (i.e., $1,386,000.00 minus attorneys’ fees and costs and incentive payments to the Class Representative) divided by the aggregate value of all Class Members’ repair costs, less any past payments for diminished value to the Class Member.

Not everyone who receives this Notice will be eligible for payment. The average payment for qualified Class Members will likely be in the range of several hundred dollars per Class Member, depending on how much, if any, payment for diminished value the claimant has already received. You can only receive your share of the Settlement if you submitted a Valid Claim Form by January 25, 2021. This deadline has now passed.

Your Legal Rights and Options

Submit a Claim Form
Postmarked by January 25, 2021
This is the only way to get a payment. You must have submitted a Claim Form to receive a payment in connection with this Settlement on or before January 25, 2021.
Comment (including Objections)
Received by November 11, 2020
The deadline to exclude yourself from this Settlement has passed. See FAQ 11 for more information.
Go to the Hearing
December 11, 2020 at 9:00 a.m.
The hearing has already occurred. See FAQ 16 for more information.
Do Nothing You will get no payment if you did not submit a Claim Form and you will still be bound by the terms of the Settlement.
Ask to be Excluded
Postmarked by November 11, 2020
If you excluded yourself by November 11, 2020, you will get no benefits from it. You will keep your rights. See FAQ 10 for more information. The deadline to exclude yourself has now passed.

For More Information

Visit this website often to get the most up-to-date information.


Miller v. Mutual of Enumclaw et al.
c/o JND Legal Administration
PO Box 91209
Seattle, WA 98111