Attorney General Martha Coakley's Office has entered into settlements with eighteen auto insurance companies over allegations that the insurance companies overcharged consumers by using inflated motorcycle values to calculate insurance premiums. The settlements require the seventeen insurance companies to collectively return nearly $42.8 million to tens of thousands of Massachusetts motorcycle owners. To read the Attorney General's latest press release concerning the settlements, click here .

If you bought motorcycle insurance from American Automobile Insurance (aka Fireman’s Fund), Amica Mutual, Arbella, Electric Insurance, Encompass (aka Allstate), Hanover, Liberty Mutual, Metropolitan Property & Casualty, NGM Insurance (aka Main Street America), Norfolk & Dedham, OneBeacon (aka Mass. Homeland), Plymouth Rock, Pilgrim Insurance, Premier Insurance Company of Massachusetts (aka Travelers), Quincy Mutual, Safety Insurance Company, Sentry Insurance or USAA, you can use the Attorney General's Motorcycle Insurance Refund Lookup Website to see if you qualify for a refund. Please note: you will need your motorcycle insurance policy number(s) in order to use this website.

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Frequently Asked Questions on AG Coakley's Motorcycle Insurance Settlements

Below is a list of frequently asked questions about the Attorney General's motorcycle insurance settlements. If you have questions that are not answered below, please contact the Attorney General's Insurance & Financial Services Division at 1-888-830-6277.

What are these settlements about?
Is my insurance company involved in the settlements?
Am I eligible for a refund?
How can I tell if I purchased collision or comprehensive coverages?
When will the insurance companies begin sending the refunds?
Will I have to release my rights in order to get a refund?
What is the best telephone number to call to talk to my insurance company about this settlement?
Why is the Massachusetts Motorcycle Association collecting current addresses for policyholders?

 

What are these settlements about?

small inflated value

The Attorney General's settlements relate to allegations that insurance companies used inflated and un-depreciated motorcycle values to calculate the premiums that they charged to their motorcycle insurance customers. The chart above provides an example of how one of the settling insurance companies overcharged a consumer by more than $1,500 between 2003 and 2008 by using an inflated $20,000 motorcycle value to calculate premiums for the consumer's 1999 Harley-Davidson Road King Classic.

As the chart shows, the consumer's 1999 Harley-Davidson Road King Classic was not worth $20,000 in 2003, and by 2008 its actual book value (shown in red) had fallen to less than $11,000. However, in each year between 2003 and 2008, the insurance company charged the consumer premiums as if the motorcycle had been worth $20,000 (shown in blue).

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Is my insurance company involved in the settlements?

To date, the Attorney General's Office has reached settlement agreements with the following insurance companies:

  • American Automobile Insurance Company (aka Fireman’s Fund)
  • Amica Mutual Insurance Company (“Amica”)
  • Arbella Mutual Insurance Company ("Arbella")
  • Electric Insurance Company (“Electric”)
  • Encompass Insurance Company of Massachusetts (“Encompass" aka Allstate)
  • Hanover Insurance Group ("Hanover")
  • Liberty Mutual Insurance Company ("Liberty Mutual")
  • Metropolitan Property & Casualty Insurance Company ("Met P&C")
  • NGM Insurance Company ("NGM" aka Main Street America)
  • Norfolk & Dedham ("N&D")
  • OneBeacon Insurance Group ("OneBeacon" aka Mass. Homeland)
  • Pilgrim Insurance Company ("Pilgrim")
  • Plymouth Rock Assurance Corporation ("Plymouth Rock")
  • Premier Insurance Company of Massachusetts (aka Travelers)
  • Quincy Mutual Fire Insurance Company ("Quincy Mutual")
  • Safety Insurance Company (“Safety”)
  • Sentry Insurance ("Sentry')
  • United Services Automobile Association ("USAA")

The chart below shows the total refund amount that each insurance company must return to policyholders.

overage chart

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Am I eligible for a refund?

In order to be eligible for a refund, you must have purchased either collision and/or comprehensive coverage for your motorcycle from one of the insurance companies listed above. While most people who purchased collision or comprehensive coverage will be eligible for a refund, not every motorcycle was overvalued, so not everyone who purchased these coverages will receive a refund.

If you bought motorcycle insurance from American Automobile Insurance (aka Fireman’s Fund), Amica, Arbella, Electric Insurance Company, Encompass (aka Allstate), Hanover, Liberty Mutual, Metropolitan Property & Casualty, NGM Insurance (aka Main Street America), Norfolk & Dedham, OneBeacon (aka Mass. Homeland), Plymouth Rock, Pilgrim Insurance, Premier Insurance Company of Massachusetts (aka Travelers) Quincy Mutual, Safety Insurance Company, Sentry Insurance or USAA, you can use the Attorney General's Motorcycle Insurance Refund Lookup Website to see if you are eligible for a refund and if so, how much you are eligible to receive. You will need your motorcycle insurance policy number in order to use the website. Alternatively, you can call the Attorney General's Insurance & Financial Services Division at 1-888-830-6277 to find out if you are eligible for a refund. Please make sure that you have your policy number ready when you call.

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How can I tell if I purchased collision or comprehensive coverages?

Collision coverage pays for damage to your vehicle that resulted from an accident.

Comprehensive coverage pays for damage to your vehicle that is not the result of an accident, such as damage caused by theft or a falling tree. If you don't know whether you purchased these coverages, look on the "coverage selection page" of your insurance policy. You should be able to see exactly which coverages you purchased for your motorcycle. A sample coverage selection page is shown below. The coverage selection page has been redacted to remove personally identifying information; however, the section where collision and comprehensive coverages are shown is circled in red.

small coverage selection

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When will the insurance companies begin sending the refunds?

  • Checks from the Sentry settlement will be mailed in the late Spring of 2013.  Consumers who have questions about their Sentry checks should call the Attorney General’s Insurance & Financial Services Division at 1-888-830-6277.
  • Amica and Encompass sent refunds between December 2012 and January 2013.
  • Premier Insurance Company (aka Travelers), American Automobile Insurance Company (aka Fireman’s Fund) and Electric Insurance Company sent refunds beginning in late October of 2011.  
  • USAA and NGM Insurance (aka Main Street America) sent checks to consumers in late May and early June of 2011.
  • Liberty Mutual, Quincy Mutual, Safety Insurance, Arbella, Hanover, Plymouth Rock, Pilgrim Insurance, Metropolitan P&C, Norfolk & Dedham ("N&D"), and OneBeacon (aka Mass Homeland) sent refund checks to consumers in 2010.

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Will I have to release my rights in order to get a refund?

Generally, no. With the exception of Safety Insurance Company, none of the settling insurance companies required policyholders to sign a release form in order to obtain a refund.

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What is the best telephone number to call to talk to my insurance company about this settlement?

Two of the settling insurance companies have set up dedicated telephone lines to take calls from motorcyclists concerning the settlements. Other insurance companies have directed consumers to call their main customer service lines with questions. Telephone numbers are listed below:

  • American Automobile Insurance Company (“Fireman’s Fund”): 1-866-386-3932
  • Amica Mutual Insurance Company: 1-800-242-6422
  • Arbella Mutual Insurance Company: 1-800-ARBELLA
  • Electric Insurance Company: 1-800-342-5342
  • Encompass Insurance Company (aka Allstate): 1-877-400-3688 (Option 2)
  • Hanover Insurance Group: 1-800-922-8427
  • Liberty Mutual Insurance Company : 1-800-569-5411
  • Metropolitan Property & Casualty Insurance Company: 1-888-234-0654 (dedicated motorcycle line)
  • NGM Insurance Company (“NGM”): 1-877-927-5672
  • Norfolk & Dedham (“N&D”): 1-800-688-1825
  • OneBeacon Insurance Group (aka Mass. Homeland): 1-888-517-8360
  • Pilgrim Insurance Company: 1-800-375-8239
  • Plymouth Rock Assurance Corporation: 1-866-773-6400 (dedicated motorcycle line)
  • Premier Insurance Company of Massachusetts: 1-800-222-4184
  • Quincy Mutual Fire Insurance Company: 1-800-899-1116
  • Safety Insurance Company: 1-877-951-6416
  • United Services Automobile Association (“USAA”): 1-800-531-USAA

If you have any trouble speaking to your insurance company about the settlement, please call the Attorney General's Insurance & Financial Services Division at 1-888-830-6277.

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Why is the Massachusetts Motorcycle Association collecting current addresses for policyholders?

The Attorney General's Office has reached out to the Massachusetts Motorcycle Association ("MMA") to help collect current addresses for Massachusetts motorcyclists so that refunds are sent to the right addresses. The Attorney General appreciates the assistance of the MMA in helping to ensure that motorcyclists receive their refunds.

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