$2.88M Amica Kept Your Arizona Insurance Benefits Low — Here’s What You May Be Owed, Claim before the May 21

If you were in a car accident in Arizona, filed an uninsured or underinsured motorist claim with Amica Mutual Insurance, and your policy covered more than one vehicle — Amica may have paid you less than Arizona law requires. A $2,875,000 class action settlement in Chase Whitehead v. Amica Mutual Insurance Co. (Case No. 22-cv-01978-PHX-DJH) says exactly that. The good news: you don’t need to file a claim form. If Amica has you on file, a check will come to you automatically.

Quick Facts

Field	Detail
Settlement Amount	$2,875,000
Claim Deadline	No claim form required — automatic payment
Who Qualifies	Arizona Amica policyholders with multi-vehicle UM/UIM coverage who received the limit for only one vehicle between Oct. 18, 2016 – July 15, 2024
Payout Per Person	Pro rata — varies by policy limits and number of valid class members
Proof Required	Not applicable — no claim form needed
Settlement Status	Preliminarily Approved
Administrator	Epiq Global
Official Website	azuminsuranceclaims6.com

Where Things Stand Right Now

• The settlement is preliminarily approved. A final fairness hearing is scheduled for June 17, 2026.
• Class members who want to opt out and preserve the right to sue Amica separately must submit their exclusion request by May 21, 2026.
• If the court grants final approval, Epiq Global will mail paper checks to eligible class members approximately 90 days after final approval.

Amica Collected Premiums on All Your Vehicles — Then Only Paid Benefits on One

Arizona law gives drivers with multi-vehicle insurance policies a powerful protection: the right to “stack” their uninsured and underinsured motorist (UM/UIM) coverage. Stacking means if your policy covers three vehicles, each at $25,000 in UM/UIM benefits, you can potentially claim up to $75,000 total from a single accident — not just $25,000.

But there’s a catch. Arizona law requires an insurer to include policy language that disavows the possibility of stacking, and provide timely written notice to its insureds that they have the right to select one policy or coverage when making a UM/UIM claim. If an insurer skips either step, it loses the right to limit policyholders to a single vehicle’s coverage.

The lawsuit filed by plaintiff Chase Whitehead alleges Amica did neither. It allegedly collected premiums on multi-vehicle policies, paid out UM/UIM claims as if only one vehicle’s coverage existed, and never gave policyholders the notice Arizona law requires. Amica denies wrongdoing but agreed to the $2,875,000 settlement to resolve the litigation.

You Had an Amica Policy in Arizona With Two or More Vehicles — Here’s the Checklist

You may qualify for an automatic payment if all four of the following apply:

• You may qualify if Amica Mutual Insurance Co. issued your auto insurance policy in Arizona.
• You may qualify if your policy included uninsured or underinsured motorist (UM/UIM) coverage for more than one vehicle under the same policy.
• You may qualify if you received UM/UIM claim benefits equal to the limit for only one vehicle — not the combined limits of all covered vehicles — at any point between October 18, 2016, and July 15, 2024.
• You may qualify if you received a notice letter in the mail about this settlement from Epiq Global, Amica’s settlement administrator.

If you believe you qualify but did not receive a letter, contact Epiq Global directly at 1-877-239-0879 or [email protected], or write to: Chase Whitehead v. Amica Mutual Insurance Company, Settlement Administrator, P.O. Box 2755, Portland, OR 97208-2755.

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Amica Is Mailing Your Check — No Form, No Upload, No Action Required

This settlement works differently from most class actions. There is no claim portal to visit. There is no deadline to file paperwork.

Amica already has your records. Epiq Global will calculate each class member’s pro rata share based on their policy limits and the total number of verified class members. Your payment amount depends on what your specific policy covered and how many total eligible policyholders share the $2,875,000 fund.

Here is the full breakdown of how the $2,875,000 gets allocated before checks are mailed:

• Settlement administration costs: up to $15,300
• Attorneys’ fees: up to $862,500
• Attorneys’ expenses: up to $13,000
• Class representative service award: up to $7,500
• Cash payments to eligible class members: remaining funds

After those deductions, the net fund available to policyholders will be approximately $1,977,700 or more, split proportionally based on each class member’s policy limits and individual claim details.

No Claim Form. Here’s What You Actually Need to Do.

Step 1 — Check your mail. Epiq Global sent notice letters to class members Amica identified in its records. If you received a letter, you are already in the class.

Step 2 — Do nothing (to accept). If you want your pro rata payment, you don’t need to take any action. Amica’s records identify you, and a check will be mailed to your address on file approximately 90 days after final court approval.

Step 3 — Update your address if needed. If you’ve moved since your Amica policy was active, contact Epiq Global at 1-877-239-0879 or [email protected] to update your mailing address before payments are distributed.

Step 4 — Opt out by May 21, 2026 if you want to sue separately. If you believe your damages exceed what this settlement will pay and you want to pursue your own legal action against Amica, you must formally exclude yourself before the deadline.

Step 5 — Object by May 21, 2026 if you disagree with the terms. Class members who find the settlement unfair can file a written objection with the court before the final hearing on June 17, 2026.

Estimated time to complete: 5 minutes (address update or opt-out only — no action needed to receive payment).

From Policy Complaint to Payday — The Full Timeline

Milestone	Date
Class period begins	October 18, 2016
Lawsuit filed (Case No. 22-cv-01978-PHX-DJH)	2022
Class period ends	July 15, 2024
Settlement preliminarily approved	TBD (2025–2026)
Opt-out / Objection deadline	May 21, 2026
Final Fairness Hearing	June 17, 2026
Expected payment mailing	~90 days after final approval
Estimated payment date	Fall 2026 (TBD)

Frequently Asked Questions

Do I need a lawyer to receive my payment?

 No. This settlement requires no claim form and no attorney. Payments go automatically to class members Amica has on file. You only need a lawyer if you plan to opt out and file your own separate lawsuit — in which case consult one before the May 21, 2026 deadline.

Is this Amica settlement legitimate?

 Yes. The case is Chase Whitehead v. Amica Mutual Insurance Co., Case No. 22-cv-01978-PHX-DJH, pending in the U.S. District Court for the District of Arizona. The settlement administrator is Epiq Global, one of the country’s largest legal settlement administrators. The official settlement website is azuminsuranceclaims6.com.

When will I receive my payment? 

Epiq Global will mail paper checks approximately 90 days after the court grants final approval at the June 17, 2026 fairness hearing. Assuming no appeals, most eligible class members should receive checks by fall 2026.

What if I missed the opt-out deadline?

 If you do not opt out by May 21, 2026, you remain in the class, accept the settlement payment, and give up your right to sue Amica separately over these UM/UIM stacking claims. Once the final approval hearing passes without your exclusion request, that right is gone.

Will this settlement payment affect my taxes? 

Possibly. Payments from insurance-related class action settlements may be treated differently depending on whether the recovery compensates for a physical injury or represents a return of premium. Consult a tax professional regarding your specific situation before assuming your payment is tax-free.

What exactly is “stacking” and why does it matter?

 With stacked coverage, the limit of a UM/UIM claim equals the total of all coverages added together across every vehicle on the policy. So if you insured three vehicles at $30,000 each, stacking means up to $90,000 in coverage for a single accident — not $30,000. The lawsuit alleges Amica never gave you the legally required notice that this option existed, effectively shortchanging your recovery without your knowledge.

I had an Amica policy in Arizona but never filed a UM/UIM claim — do I qualify?

 No. The settlement covers only policyholders who actually made a UM/UIM claim and received benefits limited to one vehicle’s policy limit. If you never filed a UM/UIM claim during the class period, you are not part of this class.

What if I had Amica insurance in another state — does this apply to me? 

No. This settlement is specific to policies issued in Arizona. The stacking requirement at issue here is an Arizona law obligation. Policyholders in other states have separate legal frameworks that this settlement does not address.

Sources & References

• Official Settlement Website: azuminsuranceclaims6.com
• Official Class Notice (PDF): azuminsuranceclaims6.com/Content/Documents/Notice.pdf
• Settlement Agreement (PDF): azuminsuranceclaims6.com/Content/Documents/Settlement%20Agreement.pdf
• U.S. District Court, District of Arizona — Case No. 22-cv-01978-PHX-DJH

Last Updated: March 31, 2026

Disclaimer: This article is for informational purposes only and does not constitute legal advice. Legal claims and outcomes depend on specific facts and applicable law. For advice regarding a particular situation, consult a qualified attorney.