On Oct. 16, yet another class action was filed against an
insurer in Kentucky, this one based on an alleged failure to
disclose available household coverages. Stinson v. State Farm
Mutual Automobile Ins. Co., Jefferson Circuit Court (removed
to the Western District of Kentucky, Case no. 3:18-cv-00752-DJH).
In Stinson, the insured claimed agents forged signatures
on UM/UIM rejection forms without insureds' consent and engaged
in other conduct relating to rejection of UM/UIM coverages.
However, the core of the claims alleges a systemic failure with
first-party claims to disclose household coverages available under
other policies. The insurer issues policies by vehicle rather than
by household. The insured alleges that claims are opened under the
policy relating to the vehicle at issue, and that because of how
policy information is stored, there is a scheme to preclude finding
other policies in the same household with available coverage, and
that other household policies
