Elgindy v. AGA Service Company

District Court, N.D. California·Decided October 29, 2024·No. 4:20-cv-06304·Unknown

Opinion

ADAM ELGINDY, et al., Case No. 20-cv-06304-JST

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

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

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