Casteel v. State Auto Property and Casualty Insurance Company

CourtDistrict Court, S.D. Ohio
DecidedOctober 25, 2023
Docket2:21-cv-05867
StatusUnknown

This text of Casteel v. State Auto Property and Casualty Insurance Company (Casteel v. State Auto Property and Casualty Insurance Company) is published on Counsel Stack Legal Research, covering District Court, S.D. Ohio primary law. Counsel Stack provides free access to over 12 million legal documents including statutes, case law, regulations, and constitutions.

Bluebook
Casteel v. State Auto Property and Casualty Insurance Company, (S.D. Ohio 2023).

Opinion

IN THE UNITED STATES DISTRICT COURT FOR THE SOUTHERN DISTRICT OF OHIO EASTERN DIVISION

CARRIE ANDREWS, et al., : : Case No. 2:21-CV-5867 Plaintiffs, : : Chief Judge Algenon L. Marbley v. : : Magistrate Judge Chelsea M. Vascura STATE AUTO MUTUAL : INSURANCE COMPANY, : : Defendant. :

OPINION & ORDER This matter is before this Court on the parties’ Joint Motion for Final Approval of Class Action Settlement Agreement and Motion for Attorneys’ Fees, Costs, and Service Award. (ECF Nos. 45; 46). For the following reasons, this Court GRANTS the parties’ Motion for Final Approval of Class Action Settlement, GRANTS Class Counsel’s Motion for Attorneys’ Fees and Costs, and GRANTS Plaintiffs’ Application for a Service Award to Plaintiff Andrews in the requested amount of $5,000.00. (ECF Nos. 45; 46). I. BACKGROUND A. Factual Background Plaintiff Carrie Andrews was insured under Defendant State Auto’s automobile Form Policies for private passenger auto damage. (ECF No. 41, ¶ 1). Plaintiff’s policy states that Defendant will cover “direct and accidental loss” for an insured vehicle. (ECF No. 12-1 at 8). For payment of loss, the Defendant “may pay for loss in money or repair or replace the damaged or stolen property.” (Id. at 10). The policy also states, “[i]f we pay for loss in money, our payment will include the applicable sales tax for the damaged or stolen property.” (Id.). At the relevant time, Andrews insured a 2014 Ford Focus under Defendant’s insurance policy. (ECF No. 41, ¶ 14). On January 23, 2019, the insured vehicle sustained loss or damage, and Plaintiff filed a claim for property damage with Defendant. (Id., ¶ 15). Defendant determined that Andrew’s vehicle was a total loss and carried a base value of $9,496 and an adjusted value of $10,156 based on a base and adjusted vehicle valuation calculation comparing the vehicle to those of similar condition and mileage. (Id., ¶¶ 16–17). Defendant paid Plaintiff Andrews a total of $9,656 based on the base vehicle value with a condition adjustment and reduction for the deductible but failed to pay any sales tax. (Id., ¶ 18).

B. Procedural Background On February 24, 2023, Mediator David Shouvlin notified this Court that this matter was settled. (ECF No. 34). The parties were given until April 17, 2023 to file a Motion for Preliminary Approval of Class Settlement. (ECF No. 40). The Third Amended Complaint for this action, reflecting the current Plaintiff, was filed on April 12, 2023. (ECF No. 41). The Complaint reflects a breach of contract claim, alleging that the policy provisions require Defendant to pay sales tax on total loss cash claims. (Id., ¶ 31). Plaintiff and other members of the proposed class allege that Defendant breached its automobile insurance policies by failing to include in payments for total loss vehicles an amount for sales tax unless the insured submitted proof of vehicle replacement. (ECF No. 45 at 3). Conversely, Defendant argues that it does not owe sales tax on total loss cash

payments unless the insured submits proof of replacement. (ECF No. 42-2, ¶ 14). On February 17, 2023, with the consent of Defendant, Plaintiff filed the Unopposed Motion for Preliminary Approval of Class Action Settlement. (ECF No. 42). This Court granted that Motion on May 22, 2023, concluding that the Agreement would likely meet the final approval requirements of Federal Rule of Civil Procedure 23(e)(2). (ECF No. 43). The Notice Period then commenced. On September 15, 2023, Plaintiff filed unopposed Motions for Final Settlement Approval, Attorneys Fees and Costs, and a Service Award. (ECF Nos. 45; 46). On October 5, 2023, this Court held a fairness hearing. (ECF No. 49). The parties represent that the Settlement is, in all respects, fair, adequate, and reasonable, and should be fully and finally approved. C. Overview of Settlement Terms Pursuant to the Proposed Settlement, the Settlement Class is defined as: All Insureds, under any Ohio, Illinois, and Missouri personal automobile insurance policy issued by State Auto and its subsidiaries or related insurance companies with the same operative policy language covering a vehicle with auto physical damage coverage for comprehensive or collision loss, who made a first-party claim, which State Auto paid as a total loss, and whose claim was adjusted within the Class Period,1 who do not timely opt out from the Settlement Class (the “Settlement Class Members”).

(ECF No. 42 at 4–5). The parties have agreed that Defendant will pay Settlement Class Members, who submit a valid and timely claim, a payment of the calculated sales tax of the average local and state sales tax rate based on the garage location, or the average rate for the state, whichever is administratively feasible. (Id. at 2). Defendant also agrees to pay such sales tax on total loss vehicles at the time of loss based on the Adjusted Vehicle Value of the loss vehicle, without the policyholder providing proof that the policyholder purchased a replacement vehicle and without regard to whether the loss vehicle was leased or owned. (Id.). Further, Defendant has agreed to change this practice and pay sales tax as part of the total-loss payment irrespective of proof of vehicle replacement. (ECF No. 45 at 3). With the exclusion of prejudgment interest, this represents nearly 100% of damages Plaintiff could have sought at trial. (Id. at 3). In exchange, Class Members agree to release Defendant from claims related to the action. (ECF No. 42-1, ¶¶ 98–99). Defendant

1 The Class Period for Ohio is the period commencing December 21, 2013 through September 1, 2022, and for Illinois and Missouri, the period commencing December 21, 2011 through September 1, 2022. also agrees to: (1) paying the cost of notice and settlement administration; (2) attorneys’ fees up to $900,000; (3) mediation costs; and (4) a class representative award of up to $5,000, if approved by this Court. (ECF No. 42-1, ¶ 77). The parties estimate the approximate total compensable damages secured through settlement to be $5.6 million. (ECF No. 45 at 2, 4). D. Claims Process and Fairness Hearing On June 23, 2023, Defendant provided the Class Administrator, Epiq, 13,199 names, addresses, and other relevant customer data for potential Settlement Class Members. (ECF No. 45- 1, ¶ 5). Equip processed the names and addresses through the National Change of Address

Database and updated any addresses. (Id., ¶ 8). Thereafter, on July 21, 2023, Epiq mailed 13,199 Notices and Claim Forms to potential Class Members. (Id., ¶ 7). As of September 12, 2023, Epiq mailed 14,001 Notices, including remails, and 1,827 were returned undeliverable. (Id., ¶ 10). This results in an 87% deliverable rate of the Class List. (Id.). Epiq also indicated that no later than September 21, 2023, it would mail and email reminders to all Class Members who have yet to submit a Claim Form. (Id., ¶ 11). On July 21, 2023, Epiq established a website to provide information and important documents, such as the Claim Form to the Class Members. (Id., ¶ 12). While there is an option to mail the Claim Form, the website allows potential Class Members to file a claim digitally. (Id.). As of September 12, 2023, the website was accessed by 1,168 unique visitors and 3,592 times.

(Id., ¶ 13). On July 21, 2023, Epiq established and continues to maintain a toll-free number to provide information to potential Class Members. (Id., ¶ 14). As of September 12, 2023, the number had received 103 calls. (Id., ¶ 15). The Notice advised Class Members that the opt out and objection deadline was September 5, 2023, and as of September 12, 2023, Epiq had received no requests for exclusion or objection. (Id., ¶ 16). Class Members were provided pre-paid postage to return the Claim Forms. (ECF No. 45 at 5).

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Casteel v. State Auto Property and Casualty Insurance Company, Counsel Stack Legal Research, https://law.counselstack.com/opinion/casteel-v-state-auto-property-and-casualty-insurance-company-ohsd-2023.