Hartford 617500 Settlement Over Underinsured Motorist Coverage Offsets in New Mexico
The Hartford 617500 Settlement Over Underinsured Motorist Coverage Offsets in New Mexico settlement to eligible claimants who had a new mexico automobile insurance policy issued by property and casualty insurance co. of hartford between dec. 29, 2014 and mar. 18, 2022, and/or by hartford insurance co. of the midwest between jan. 1, 2019 and mar. 18, 2022. The deadline to file is May 22, 2026. Proof of purchase is required.
Deadline: May 22, 2026
Total amount allocated for all claims
Estimated amount per eligible claim
To submit a claim online, provide the Unique ID and PIN from the settlement notice (or contact the claims administrator if missing). The administrator may request supporting documentation, especially for an additional UIM benefits claim based on an offset (e.g., records showing the UIM claim was reduced/denied due to the liability offset and related loss/damages information). Premium-refund claimants may need to provide their class member ID or other identifying policy information. Legal representatives must provide documentation proving authority to act (e.g., estate or representative papers).
Settlement Summary
New Mexico drivers buy underinsured motorist (UIM) coverage to protect themselves when an at-fault driver’s liability insurance isn’t enough to cover medical bills, lost wages, and other damages. In this case, policyholders insured by Property and Casualty Insurance Co. of Hartford (Dec. 29, 2014–Mar. 18, 2022) or Hartford Insurance Co. of the Midwest (Jan. 1, 2019–Mar. 18, 2022) alleged that the companies sold UIM coverage but then treated it in a way that could leave consumers with less protection than they reasonably expected—by reducing or denying UIM payouts after subtracting (“offsetting”) amounts paid by the at-fault driver’s insurer. The lawsuit was filed because plaintiffs argued those offsets effectively made the coverage misleading or “illusory” for some customers, even though premiums were collected for it, and it challenged whether Hartford’s handling of UIM claims aligned with New Mexico’s consumer-protection expectations for how UIM coverage should work. The proposed settlement creates two paths for class members: (1) injured claimants whose benefits were reduced or denied due to an offset can seek an additional payment tied to the offset amount (subject to a damages review), or (2) policyholders can elect a premium refund equal to 23% of UIM premiums paid during the class period; attorneys’ fees are capped at $617,500, and the claim deadline is May 22, 2026. More broadly, disputes over UIM “offsets” show up nationwide because auto insurers and regulators wrestle with the same tension: preventing double recovery while ensuring the coverage sold actually delivers meaningful, predictable benefits when a crash happens. These cases often turn on state-specific insurance statutes, policy language approved by state regulators, and court interpretations of whether UIM is meant to “stack on top of” the at-fault driver’s coverage or be reduced by it, making this settlement part of a wider industry pattern of litigation and regulatory scrutiny over how UIM benefits are calculated and disclosed to consumers.
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Eligibility Requirements
- Had a New Mexico automobile insurance policy issued by Property and Casualty Insurance Co. of Hartford between Dec. 29, 2014 and Mar. 18, 2022, and/or by Hartford Insurance Co. of the Midwest between Jan. 1, 2019 and Mar. 18, 2022
- The policy included underinsured motorist (UIM) coverage
- Was covered under the policy during the class period (e.g., policyholder, named insured, passenger, or authorized driver)
- May qualify even if no longer insured by the defendants, not the named insured, previously made a claim, or never made a claim
- Heirs, executors, administrators, successors, and assigns of eligible individuals may qualify
- For Option 1 (additional UIM benefits): had an auto injury claim where UIM benefits were reduced or denied due to an offset for amounts paid by the at-fault driver’s liability coverage
- For Option 2 (premium refund): paid premiums for UIM coverage during the class period
- Must choose only one benefit option (cannot receive both)
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Important Notice About Filing Claims
Submitting false information in a settlement claim is considered perjury and will result in your claim being rejected. Fraudulent claims harm legitimate class members and may result in legal consequences.
If you are unsure about your eligibility for this settlement, please visit the official settlement administrator’s website using the link provided above. Review the eligibility criteria carefully before submitting a claim.
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