Frequently Asked Questions

UPDATE: The Claims Filing deadline was on March 20, 2017. We are no longer accepting Claim submissions.

  1. What is the case about?

    Plaintiffs Michael and Loralee Thoren filed a lawsuit in Superior Court for San Diego County alleging that certain Renewal Billing Fees charged by Alliance United Insurance Company constitute "premium" under California Insurance Code § 381, and allegedly were not disclosed properly in the Policy. The Lawsuit is styled as Michael Thoren, et al. v. Alliance United Insurance Company, et al., Case No. 37-2015-00020223-CU-BT-CTL. Renewal Billing Fees are those paid at the beginning of a new policy term by Class Members who renewed their insurance Policy, and who paid their premium in full.

    Alliance United Insurance Company and Alliance United Insurance Services (collectively, “Alliance”) denies any liability, wrongdoing, or damages. Plaintiffs and Alliance agree that it is desirable that this Lawsuit be settled.

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  2. Why did I receive a Class Notice?

    If you received a Class Notice in the mail, the records of Alliance show that you are a potential Class Member. The Class is composed of all policyholders of Alliance United Insurance Company who paid their premium in full when renewing their Policy, and who paid one or more Renewal Billing Fees from June 16, 2011 to December 27, 2015.

    If you did not receive a Class Notice you can review and download a copy here.

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  3. Who is part of the Class?

    The Class consists of all policyholders of Alliance United Insurance Company who paid their premium in full when renewing their Policy, and who paid one or more Renewal Billing Fees during the Class Period. Notwithstanding the foregoing, the following persons shall be excluded from the Class: (i) any present or former officers and/or directors of Alliance; and (ii) any person who makes a timely election to be excluded from the proposed Class. Persons who timely elect to be excluded from the proposed Class shall be excluded with respect to all Policies under which they would otherwise be eligible for a Settlement Check. Additionally, if any holder of a jointly-held Policy makes a timely election to be excluded from the Class, then all joint policyholders on the Policy will be excluded.

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  4. What are the benefits of the Settlement?

    If approved by the Court, Class Members who submit a valid Claim Form by March 20, 2017 will receive, for each Policy held during the Class Period, 85% of the first Renewal Billing Fee they paid, 40% of the second Renewal Billing Fee they paid (if applicable), and 23% of any subsequent Renewal Billing Fees they paid (if applicable). During the Class Period, Renewal Billing Fees ranged from $8.00 to $15.00. Example payment calculation:

    Fee Type Fee Amount Percent Total
    First Renewal Billing Fee $15.00 x 0.85 $12.75
    Second Renewal Billing Fee $15.00 x 0.40 $6.00
    Subsequent Renewal Billing Fees $30.00 x 0.23 $6.90
      $25.65

    The Claim Form you received with the Class Notice, tells you how much you paid in Renewal Billing Fees, so you can see much you may receive under the Settlement. If you have lost, misplaced, or did not receive a Claim Form or Class Notice, please contact the Settlement Administrator.

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  5. What do I do if I want to participate in the Settlement?

    If you want to participate in the Settlement, you must complete and Submit a vaild Claim Form via this website, or complete and mail the Claim Form you received with the Class Notice to:

    Thoren Settlement
    Settlement Administrator
    P.O. Box 4153
    Portland, OR 97208-4153

    Claim Forms must be electronically submitted or postmarked by March 20, 2017.

    If you are a Class Member and you complete and submit a Claim Form, then you will receive a payment if the Court approves the Settlement and it becomes effective.

    You will give up any rights you may currently have to sue Alliance for the claims in this Lawsuit.

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  6. What do I do if I want to be excluded from the Settlement?

    UPDATE: February 2nd was the deadline to object to or exclude yourself from the Settlement.

    If you timely elect to be excluded from the proposed Class, you shall be excluded with respect to all Policies which would otherwise be eligible for a Settlement Check. Additionally, if any holder of a jointly-held Policy makes a timely election to be excluded from the Class, then all joint policyholders on the Policy will be excluded.

    If you want to be excluded from the Settlement, you must complete a Request for Exclusion via this website, or mail a Request for Exclusion to:

    Thoren Settlement
    Settlement Administrator
    P.O. Box 4153
    Portland, OR 97208-4153

    Note: If you are mailing a Request for Exclusion, please include the following:

    1. Your first and last name;
    2. Your phone number;
    3. Your mailing address;
    4. “Request for Exclusion” at the top of the document or a statement in the body of the document requesting exclusion;
    5. The name of this proceeding (Michael Thoren, et al. v. Alliance United Insurance Company, et al., Case No. 37-2015-00020223-CU-BT-CTL); and
    6. Your signature.

    Requests for Exclusion must be electronically submitted or postmarked by February 2, 2017.

    If you complete and submit a Request for Exclusion, you will not receive any payment as part of this Settlement; however, you will retain any rights you may currently have to sue Alliance for the claims in this Lawsuit.

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  7. What do I do if I want to object to the Settlement?

    UPDATE: February 2nd was the deadline to object to or exclude yourself from the Settlement.

    To object, you must send a letter stating that you object to the Settlement. Your objection must include:

    1. A caption that includes the name of the case as follows: Michael Thoren, et al. v. Alliance United Insurance Company, et al., Case No. 37-2015-00020223-CU-BT-CTL;
    2. Your name, address, telephone number, statement that you intend to object, and signature;
    3. The name, address, bar number, and telephone number of your counsel, if represented by an attorney;
    4. A statement indicating whether you intend to appear at the Final Approval Hearing; and,
    5. Copies of any paper(s) you intend to present to the Court in connection with the Settlement.

    The objection must be filed with the Court and served on Alliance’s Counsel and Class Counsel at the addresses provided below, by February 2, 2017.

    Court Address for Alliance’s Counsel Address for Class Counsel
    Superior Court for the State of California
    County of San Diego
    330 W Broadway
    San Diego, CA 92101
    Jaikaran Singh
    Dentons US LLP
    4655 Executive Drive
    Suite 700
    San Diego, CA 92121

    Mark Hanover
    Dentons US LLP
    233 South Wacker Drive
    Suite 5900
    Chicago, IL 60606
    Vincent J. Bartolotta, Jr.
    Jarrett Charo
    Benjamin Siminou
    Thorsnes Bartolotta McGuire LLP
    2550 Fifth Avenue
    Eleventh Floor
    San Diego, CA 92103

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  8. What happens if I do nothing?

    If you do nothing, you will not receive any payment and you will give up any rights you may currently have to sue Alliance for the claims in this Lawsuit.

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  9. How do I update my address if I have already filed a claim?

    If you have already sent in a Claim Form and wish to update your address please email info@thorensettlement.com, or write to Thoren Settlement, Settlement Administrator, P.O. Box 4153, Portland, OR, 97208-4153, with your full name, prior address, current address, and phone number or email address. The Settlement Administrator will respond with a confirmation of the address update, or with a request for additional information.

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  10. When is the Final Approval Hearing?

    The Court will hold a Final Approval Hearing on February 17, 2017 at 8:30 a.m. in Department C-62 of the Superior Court for the State of California, County of San Diego, located at 330 W. Broadway, San Diego, CA 92101, to decide, among other things:

    1. Whether the proposed Settlement Agreement for this Lawsuit should be approved as fair, reasonable and adequate;
    2. Whether this action should be certified as a class action for settlement purposes;
    3. Whether this Lawsuit should be dismissed with prejudice pursuant to the terms of the Settlement Agreement;
    4. Whether members of the Class should be bound by the Release set forth in the Settlement Agreement;
    5. Whether members of the Class (acting individually or together), should be permanently enjoined from instituting, maintaining, prosecuting, suing, asserting or cooperating in any action or proceeding against any of the Releases for any of the Released Claims; and
    6. Whether Class Counsel’s application for an award of attorneys’ fees and expenses, and the Representative Plaintiffs’ request for a Service Award should be approved.

    If these fees and awards are approved by the Court, they will be paid by Alliance. You will not owe any money for these fees or awards.

    You may appear at the hearing, but you are not required to appear. You may hire an attorney to appear for you, at your own expense.

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  11. What do I do if I received multiple Claim Forms?

    You may have received separate Claim Forms in the mail, each of which has a different Unique Identifier listed at the top of the Claim Form. If you did, you must submit a separate Claim Form for each Unique Identifier in order to be eligible for payment on all of your Policy(ies).

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Important Dates

  • June 16, 2011 – December 27, 2015
    Class Period
  • February 2, 2017
    Deadline to object to the Settlement
  • February 2, 2017
    Deadline to exclude yourself from the Settlement
  • February 17, 2017
    Final Approval Hearing
  • March 20, 2017
    Deadline to submit a Claim Form