Whitehead v. Amica Mutual Insurance Company

Welcome to the Whitehead v. Amica Mutual Insurance Company Class Action Settlement Website.

The Court has preliminarily approved a proposed settlement in a lawsuit pending in the United States District Court for the District of Arizona (the “Court”) against Amica Mutual Insurance Company (“Amica” or “Defendant”). Plaintiff’s legal claims in the lawsuit arise out of how Amica paid underinsured or uninsured motorist claims.

Arizona law dictates that multi-vehicle insurance policies that provide uninsured or underinsured motorist coverage provide separate coverage for each vehicle and, unless an insurance company complies with the statutory requirements to limit an insured’s coverage to a single vehicle, an insured may stack coverage, meaning they may be entitled to recover up to the policy limits for each insured vehicle.

Plaintiff alleges Amica failed to provide the required policy language and notice under Arizona law, and, as a result, failed to pay up to the uninsured and underinsured policy limits for each additional vehicle covered by the policy. Amica denies any wrongdoing. The Court has not decided who is right.

Your legal rights are affected whether you act or don’t act. These rights and options—and the deadlines to exercise them—are explained below. Please read this information carefully.

Your Legal Rights and Options in This Settlement

Do nothing and receive a share of the Settlement	If you are a Class Member and you do nothing regarding the Settlement, you will remain part of the Class and you will receive a payment from the Settlement if the Court approves the Settlement. The Settlement will resolve your legal claims against Amica, and you will give up your rights to sue Amica about the Released Claims (as defined in the Settlement Agreement). You will be bound by the judgment.
Ask to be excluded by May 21, 2026, and retain your right to sue and receive no share of the Settlement	Get out of this Settlement. Get no benefits from it. You may request to be excluded from the Settlement. To do this, you must submit a timely and valid request for exclusion to remove yourself from the Settlement. If you ask to be excluded, you will not receive any money from the Settlement, but you will keep any right to sue Amica separately about the legal claims in this lawsuit. This is the only option that allows you to retain your right to sue Amica for legal claims that would otherwise be released by a judgment in the lawsuit, whether that judgment is favorable to the Class or not.
Object	If you are a Class Member, you may write to the Court about why you don’t like the Settlement with Amica. Objections must be postmarked by May 21, 2026.
Attend the Fairness Hearing	You may request to speak in Court about the fairness of the Settlement.