Encompass Auto Insurance Class Action Settlement (Washington)

Class Eligibility

You are a member of the Class if ENCOMPASS paid to have your insured vehicle repaired under the UIM PD provision of an ENCOMPASS policy issued in Washington; and:

The repair estimate on your vehicle (including any supplements) totaled at least $1,000; and

Your vehicle was no more than six years old (model year plus five years) and had less than 90,000 miles on it at the time of the accident; and

Your vehicle suffered structural (frame) damage and/or deformed sheet metal and/or required body or paint work.

Estimated Amount


Most payments will be in the hundreds

Proof of Purchase


Case Name

Alec Zarelli v. Encompass Insurance Company of America and Encompass Indemnity Company,
Case No. 15-2-10639-8
Superior Court of the State of Washington in and for the County of Pierce

Case Summary

In the lawsuit, Plaintiff claims that when certain automobiles sustain damage to their structural systems and bodies, they cannot be fully repaired to their pre-accident condition, causing the vehicles to suffer a loss in value called “diminished value.” Plaintiff alleges that ENCOMPASS failed to pay or pay adequately for this type of loss under its Washington insurance policies’ UIM PD coverage, and that such an alleged failure to pay is a breach of ENCOMPASS’ automobile insurance contracts. ENCOMPASS denies that it did anything wrong, and contends that it paid the full and appropriate amounts for diminished value, where applicable, as part of its regular claim adjusting process.

Settlement Pool





Zarelli v. Encompass

P.O. Box 4655

Portland, OR 97208-4655

(415) 231-5311 (class counsel)