The class action targets Progressive policies in New Mexico that included “stacked” uninsured/underinsured motorist (UM/UIM) coverage—an option that generally lets an insured combine UM/UIM limits across multiple covered vehicles to increase available protection when an at-fault driver has little or no insurance. New Mexico has long treated UM/UIM as a strongly consumer-protective benefit, and insurers selling these coverages must comply with state-specific rules about offering, explaining, and documenting the customer’s elections or rejections. The proposed $3.5 million settlement covers people who purchased stacked UM/UIM coverage on New Mexico auto policies between January 1, 2009 and April 30, 2025, with a claim deadline of 2/26/26 and no proof required. The lawsuit was filed because plaintiffs contend Progressive mishandled how stacked UIM coverage was offered, priced, or documented under New Mexico law, potentially causing customers to pay for coverage that was not provided as represented or not implemented correctly. Its significance is twofold: it puts money back into consumers’ hands without requiring receipts or policy paperwork, and it pressures insurers to tighten compliance around UM/UIM “stacking” elections—an area where small documentation errors can have big consequences after a serious crash. Similar disputes have appeared in New Mexico and other states where UM/UIM is heavily regulated, often focusing on whether an insurer made a legally valid offer of coverage, obtained a proper written election, or accurately applied stacking across vehicles, underscoring how technical insurance-form requirements can drive large class actions and change industry practices nationwide.