Claim up to $25,000 or a partial premium refund — Deadline: May 26, 2026
If you had MetLife auto insurance in New Mexico between October 1, 2010 and January 31, 2022, you may be eligible for money from a $1.2 million class action settlement.
Some policyholders had their injury claims reduced through “offsets,” while others may have paid for UM/UIM coverage that is now being partially refunded.
Why this lawsuit exists?
A class action lawsuit alleged that Metropolitan Direct Property and Casualty Insurance Company (MetLife):
- Reduced underinsured motorist (UIM) claims by offsetting payments made by at-fault drivers
- Misrepresented or failed to fully disclose limitations in UM/UIM coverage
- May have breached contract and violated New Mexico consumer protection laws
MetLife denies wrongdoing but agreed to settle to avoid further litigation.
Who qualifies??
There are two groups of eligible class members:
1. Offset Subclass
- Had a MetLife auto insurance policy in New Mexico, AND
- Filed a UIM claim between Oct. 1, 2010 – Jan. 31, 2022, AND
- That claim was reduced (“offset”) by payments from the at-fault driver’s insurer
2. Premium Refund Subclass
- Purchased UM/UIM coverage from MetLife in New Mexico anytime between
Oct. 1, 2010 – Jan. 31, 2022
How much can you get?
Payments depend on which group you fall into:
Offset Subclass
- Up to $25,000 per person
- Total pool for these claims is capped at $360,000
- Final amount depends on how many valid claims are submitted
Premium Refund Subclass
- Partial refund of UM/UIM premiums paid
- Amount varies based on premiums paid during the class period
Your options
| Option | What happens | Money impact | Deadline |
|---|---|---|---|
| Submit a Claim | Get paid (offset or premium refund) | Up to $25,000 or partial refund | May 26, 2026 |
| Do Nothing | Some premium refund class members may still receive a check automatically | Possible automatic refund (if eligible) | N/A |
| Exclude Yourself | Leave the settlement and keep right to sue separately | No payment | April 27, 2026 |
| Object | Tell the Court you disagree | No payment | May 11, 2026 |
How to file a claim?
If you are in the OFFSET subclass (claim required)
You must submit a claim to receive money.
- Go to the settlement portal
- Enter your Unique ID + PIN (from your notice)
- Complete the claim form with your details
- Upload or submit required information
- Submit before May 26, 2026
If you are in the PREMIUM REFUND subclass
- No claim is required
- Payment may be issued automatically if you qualify
Payment method
If approved, payments will be issued via:
- Electronic payment, OR
- Paper check mailed to your address
