Elgindy v. AGA Service Company

CourtDistrict Court, N.D. California
DecidedOctober 29, 2024
Docket4:20-cv-06304
StatusUnknown

This text of Elgindy v. AGA Service Company (Elgindy v. AGA Service Company) is published on Counsel Stack Legal Research, covering District Court, N.D. California primary law. Counsel Stack provides free access to over 12 million legal documents including statutes, case law, regulations, and constitutions.

Bluebook
Elgindy v. AGA Service Company, (N.D. Cal. 2024).

Opinion

1 2 3 4 UNITED STATES DISTRICT COURT 5 NORTHERN DISTRICT OF CALIFORNIA 6 7 ADAM ELGINDY, et al., Case No. 20-cv-06304-JST

8 Plaintiffs, ORDER GRANTING PLAINTIFFS’ 9 v. MOTION FOR FINAL APPROVAL OF CLASS ACTION SETTLEMENT; 10 AGA SERVICE COMPANY, et al., ATTORNEY’S FEES AND COSTS; AND INCENTIVE AWARDS Defendants. 11 Re: ECF No. 111 12 13 Before the Court is Plaintiffs Adam Elgindy and Julianne Chuanroong and conditional 14 Plaintiff Andrew Tasakos’s motion for final approval of class action settlement. ECF No. 111. 15 Plaintiffs also seek attorney’s fees, costs, and incentive awards. Id. The Court previously granted 16 a motion for preliminary approval. ECF No. 122. The Court will grant the current motions. 17 I. BACKGROUND 18 A. Factual and Procedural Background 19 Plaintiffs Adam Elgindy, Julianne Chuanroong, and Andrew Tasakos brought this class 20 action against Defendants AGA Service Co. d/b/a Allianz Global Assistance (“AGA”), Jefferson 21 Insurance Company (“JIC”), and BCS Insurance Company (collectively “Defendants”) for their 22 alleged unlawful, unfair, and deceptive practices relating to their online marketing and sale of 23 travel and event insurance. ECF No. 114 ¶ 1. When purchasing event or travel tickets from online 24 websites or mobile apps, consumers are often presented with the option to insure their purchase. 25 Id. ¶ 28. Defendants provide travel insurance and are the dominant providers of event ticket 26 insurance in the United States. Id. Plaintiffs allege that Defendants have a longstanding practice 27 of charging consumers hidden fees. Id. ¶ 2. Specifically, Defendants offered insurance for a fixed 1 line to their customer service representatives. Id. ¶ 30. 2 On September 4, 2020, the California Plaintiffs filed this action alleging three claims on 3 behalf of themselves and those similarly situated: (1) violation of California’s Unfair Competition 4 Law (“UCL”); (2) violation of California’s False Advertising Law (“FAL”); and (3) common law 5 fraud. ECF No. 1. On March 29, 2021, the Court granted Defendants’ motion to dismiss 6 Plaintiffs’ common law fraud claim but denied their motion to dismiss the remaining claims. ECF 7 No. 35. On April 2, 2022, Andrew Tasakos filed a class action in the Western District of 8 Washington against AGA and JIC. ECF No. 111 at 13. Plaintiff Tasakos asserted two claims on 9 behalf of himself and those similarly situated: (1) violation of Washington’s Consumer Protection 10 Act (“CPA”); and (2) breach of Defendants’ duty of good faith in insurance matters. Id. at 13–14. 11 On June 13, 2022, AGA and JIC filed a motion to dismiss Plaintiff Tasakos’s complaint. Id. at 14. 12 Before the Court could rule on the motion, the parties filed a notice of settlement and a motion to 13 stay pending the determination of this motion and any ensuing litigation relating to approval of the 14 settlement. Id. The California Plaintiffs then filed an amended complaint, adding the Plaintiff and 15 claims from the Tasakos action. ECF No. 114. 16 After extensive fact discovery, the parties attended three mediation sessions before Rodney 17 Max, a member of the mediation firm Upchurch, Watson, White & Max. ECF No. 111 at 15. On 18 December 21, 2022, Plaintiffs filed a motion for preliminary approval of the class and settlement 19 agreement. On September 30, 2023, the Court granted preliminary approval. ECF No. 122. 20 Plaintiffs now move for final approval of the settlement and for an award of attorney’s fees, costs, 21 and service awards. ECF No. 111. The Court held a final approval hearing on May 16, 2024. 22 B. Terms of Settlement 23 The proposed settlement agreement resolves the claims between Defendants and the 24 Settlement Class, defined as follows: 25 All persons, except excluded persons, who purchased at least one or 26 more (a) qualifying California Travel and/or Event Protection Plan from September 4, 2016, through and including the date the Order 27 Granting Preliminary Approval is entered and, for that purchase, Protection plan identified the plan owner as having a California 1 address and/or (b) Qualifying Washington Travel and/or Event Protection Plan from April 2, 2018, through and including the date 2 the Order Granting Preliminary Approval is entered, and, for that purchase, provided a billing address in the State of Washington or if 3 no billing address was supplied directly to AGA, the Travel and/or Event Protection Plan identified the plan owner as having a 4 Washington address. [The class excludes] (a) each and every presiding District Judge and Magistrate Judge in the Actions, and 5 their staff, and their immediate family members; (b) the officers, directors, agents, servants, and current and former employees of 6 Defendants who were employed by Defendants at any time on or after the start of the Class Periods, and the immediate family members of 7 such Persons; (c) any Person who received a complete refund for each and every Qualifying Travel and/or Event Protection Plan purchased 8 by that Person; (d) any Person for whom AGA opened and documented an assistance case in connection with each and every 9 Qualifying Travel and/or Event Protection Plan purchased by that Person; and (e) any Person for whom each purchased Qualifying 10 Travel and/or Event Protection Plan falls outside this Settlement because the Person received a complete refund for the purchased 11 Qualifying Travel and/or Event Protection Plan or AGA opened and documented an assistance case in connection with the purchased 12 Qualifying Travel and/or Event Protection Plan. 13 ECF No. 112-1 ¶¶ 2.18, 2.31. Under the settlement, Defendants agree to pay $19.75 million into 14 the settlement fund. Id. ¶¶ 2.59, 8.1. As part of the settlement, Class Counsel seek an award of 15 $4,937,500 in attorney’s fees, an award of costs in the amount of 188,870.47, and $5,000 incentive 16 awards to each of the named Plaintiffs. ECF No. 111 at 37–45. 17 Pursuant to the plan of allocation, payments to Authorized Claimants are divided into two 18 tranches determined by the dates they purchased their Travel and/or Event Protection Plans. 19 Those who purchased earlier plans (“Tranche 1 Plans”) will receive 75% of the assistance fees 20 they were charged. ECF No. 112-1 ¶ 6.1. Those who purchased later plans (“Tranche 2 Plans”), 21 will receive 40% of the assistance fees they were charged. Id. If enough funds remain, cash 22 payments may be increased up to 150% of the assistance fees charged for Tranche 1 Plans and up 23 to 80% of the assistance fees charged for Tranche 2 Plans. Id. ¶ 6.4. Any settlement funds not 24 distributed to the class will be paid to a cy pres recipient, Travelers Aid International. Id. ¶ 8.4. 25 In exchange, the Class Members will release the following claims against Defendants:

26 [A]ny and all claims and causes of action of every nature and description, whether known or unknown, whether arising under 27 federal, state, common, or foreign law, based in law or equity, that the allegations that sales of Travel and/or Event Protection Plans 1 purchased prior to the date of entry of the Order Granting Preliminary Approval were unlawful, unfair, falsely advertised, or deceptive with 2 respect to the marketing, offering, solicitation, pricing, sale, accessibility, availability, and/or payment of Assistance Fees for the 3 assistance services included in the Travel and/or Event Protection Plans or any regulatory filing related thereto. The released claims 4 include a waiver, to the fullest extent permitted by law, of the provisions, rights, and benefits of California Civil Code § 1542, and 5 any similar state, federal or foreign law or principle of common law, at law or in equity, which may have the effect of limiting the released 6 claims.

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Bluebook (online)
Elgindy v. AGA Service Company, Counsel Stack Legal Research, https://law.counselstack.com/opinion/elgindy-v-aga-service-company-cand-2024.