Travelers Indemnity NJ PIP Settlement, Did Your Insurance Shortchange You? Hers How to File a Claim

Travelers Indemnity Co. and St. Paul Protective Insurance Co. agreed to settle a class action lawsuit alleging they shortchanged New Jersey policyholders on Personal Injury Protection (PIP) benefits. If Travelers paid your PIP claim within $3,000 of your policy limit — but not the full amount — between April 14, 2017, and April 1, 2023, you may automatically receive $70, and potentially more if you file a claim. The deadline to file is June 16, 2026.

Quick Facts

Field	Detail
Settlement Amount	TBD (fund amount not publicly specified)
Claim Deadline	June 16, 2026
Who Qualifies	NJ Travelers/St. Paul PIP policyholders paid within $3,000 of their limit between April 14, 2017–April 1, 2023
Payout Per Person	$70 automatically; more with a claim form
Proof Required	No (for $70 automatic payment); claim form required for supplemental payment
Settlement Status	Open for Claims
Administrator	Epiq Global
Official Website	njpipsettlement.com

What Is Happening Right Now

• The settlement is currently open and accepting claim forms through June 16, 2026.
• The final approval hearing was scheduled for April 17, 2026.
• The opt-out and objection deadline has already passed (March 18, 2026).
• Automatic $70 payments go out within 30 days of court final approval; supplemental payments go out within 75 days of final approval.

What Is This Travelers Lawsuit About?

Travelers Indemnity Co. and its affiliate St. Paul Protective Insurance Co. sold New Jersey drivers Personal Injury Protection (PIP) coverage — insurance that pays your medical bills after a car accident, regardless of who was at fault. New Jersey law requires drivers to carry PIP coverage, and policyholders choose their coverage limit when they buy their policy.

The lawsuit alleged that when policyholders made PIP claims, Travelers reduced the amount it paid out by subtracting deductibles and copayments from the policy limit itself — not from the payout on top of the limit. In plain terms: if you paid for $15,000 in PIP coverage and had a $500 deductible and a $900 copayment, Travelers treated your effective limit as $13,600 instead of paying the full $15,000 and applying the deductible and copayment separately.

A New Jersey appellate court ruled in a related case that this practice was improper — policyholders were entitled to the full policy amount without reductions for deductibles or copayments. Plaintiffs Regina Thompson, Courtney Thorson, and Michael Lucci then filed suit in New Jersey state court, alleging breach of contract, violations of the New Jersey Consumer Fraud Act, and violations of the New Jersey PIP Statute. Travelers and St. Paul deny any wrongdoing but agreed to settle.

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What Is PIP Insurance and Why Does This Matter?

PIP stands for Personal Injury Protection. New Jersey requires all drivers to carry it. After a car accident, PIP covers your medical expenses — things like emergency room visits, physical therapy, and follow-up care — regardless of whether you caused the crash.

When you buy your policy, you pick a PIP coverage limit. That limit is the maximum amount your insurer will pay toward your medical bills per accident. The lawsuit argued that Travelers quietly reduced that limit by counting your deductible and copayment against the cap — meaning you received less coverage than you paid for. Many policyholders never noticed because the reduction happened behind the scenes in Travelers’ claims system.

Who Can File a Claim?

You may qualify for this settlement if you meet all of the following conditions:

• You were a policyholder or insured under a New Jersey automobile insurance policy issued by Travelers Indemnity Co. or St. Paul Protective Insurance Co.
• Your policy included PIP (Personal Injury Protection) coverage.
• Travelers or St. Paul paid you PIP benefits.
• The final payment on your PIP claim occurred between April 14, 2017, and April 1, 2023.
• The total PIP benefits you received were within $3,000 of your policy limit — but you did not receive the full policy limit.

The settlement also covers heirs, executors, administrators, and successors of eligible policyholders who are deceased.

There are two groups within the class. The first group includes people whose claims appear in Travelers’ internal computer system showing PIP limits. The second group includes people whose claims do not appear in that system but who still received PIP payments within $3,000 of a New Jersey PIP limit they purchased.

If you received a settlement notice in the mail, you are a class member. If you are unsure, call the settlement administrator at (877) 315-6874 or email [email protected].

How Much Money Can You Receive?

The settlement pays out in two ways, and every qualifying class member gets something.

Automatic $70 Payment — No Action Required

Every class member who does not opt out receives $70 automatically. You do not need to file a claim form, submit any documents, or do anything at all to receive this payment. The settlement administrator will mail checks within 30 days of the court granting final approval.

Supplemental Payment — Requires Filing a Claim Form

If Travelers reduced your PIP policy limit by applying deductibles or copayments, you may be entitled to more than $70. The supplemental payment equals 80% of the difference between your full PIP policy limit and the actual PIP benefits you received, minus the $70 automatic payment you already get.

For example: if your policy limit was $15,000 and Travelers paid you $13,600 — reducing the limit by $1,400 for a deductible and copayment — your calculation would look like this: 80% of $1,400 = $1,120, minus $70 = $1,050 supplemental payment.

Your actual supplemental amount depends on your individual policy details, so the calculation will vary. File a claim to find out what you may be owed beyond the automatic $70.

How to File Your Claim

Step 1 — Go to the official claim portal at njpipsettlement.com/Login

Step 2 — Enter the unique ID and PIN from the settlement notice mailed to you

Step 3 — Complete the claim form with your policy and contact details

Step 4 — Submit your claim online

Step 5 — Save your confirmation

If you prefer to file by mail, download the PDF claim form at njpipsettlement.com and mail your completed form to:

Thompson, Thorson and Lucci v. Travelers c/o Settlement Administrator P.O. Box 5770 Portland, OR 97228-5770

Mailed forms must be postmarked by June 16, 2026.

If you cannot locate your unique ID or PIN, contact the settlement administrator at (877) 315-6874 or email [email protected].

Estimated time to complete: 5–10 minutes

Key Deadlines at a Glance

Milestone	Date
Class Action Filed	April 27, 2023
PIP Claims Covered Through	April 1, 2023
Opt-Out / Objection Deadline	March 18, 2026
Final Approval Hearing	April 17, 2026
Claim Filing Deadline	June 16, 2026
Automatic $70 Payment Issued	Within 30 days of final approval
Supplemental Payment Issued	Within 75 days of final approval

Frequently Asked Questions

Do I need a lawyer to file a claim?

 No. The court appointed class counsel to represent all class members at no charge to you. Filing your claim online takes about 5–10 minutes. You only need the ID and PIN from the notice you received in the mail.

Is this settlement legitimate?

 Yes. The case is called Thompson, Thorson and Lucci v. Travelers Indemnity Co., et al., Case No. MID-L-002108-23, filed in New Jersey state court. Epiq Global — one of the largest settlement administrators in the country — manages the claim process. The official settlement website is njpipsettlement.com.

When will I receive my payment? 

If the court grants final approval at the April 17, 2026 hearing, automatic $70 payments will go out within 30 days. Supplemental payments for those who file a claim form will go out within 75 days of final approval, or within 45 days after a neutral evaluator resolves any disputed claim.

What if I missed the claim deadline?

 The claim deadline is June 16, 2026. If you do not file a claim form by that date, you will still receive the automatic $70 payment — but you will not be eligible for any supplemental payment. File as early as possible to avoid last-minute issues.

Will this settlement payment affect my taxes? 

Payments that represent compensation for insurance benefits you were already owed are generally not considered taxable income. However, every situation is different. Consult a tax professional for guidance specific to your circumstances.

What if I already opted out of the settlement?

 If you submitted a valid opt-out request by the March 18, 2026 deadline, you are no longer part of the settlement. You will not receive the automatic $70 payment or any supplemental amount, but you retain the right to pursue your own lawsuit against Travelers.

What does “within $3,000 of my policy limit” actually mean?

 It means the total PIP benefits Travelers paid you fell short of your policy limit by $3,000 or less — but Travelers did not pay you the full limit. For example, if your limit was $15,000 and you received $13,000, that is a $2,000 shortfall, which puts you within $3,000 of the limit and makes you potentially eligible.

What if I never received a settlement notice?

 If you believe you qualify but never received a notice, contact Epiq Global directly at (877) 315-6874 or email [email protected]. The administrator can confirm your eligibility and provide your unique ID and PIN so you can file a claim.

Sources & References

1. Official settlement website: njpipsettlement.com

Last Updated: April 11, 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.