Metropolitan UIM Settlement 2026 -- New Mexico Drivers May Get Up to $25,000 -- File by May 26

What happened

Class period: October 1, 2010 through January 31, 2022

• Metropolitan Direct Property and Casualty Insurance Company allegedly violated New Mexico law by applying a "Schmick offset" -- reducing underinsured motorist (UIM) claim payouts by the amount the at-fault driver's insurer had already paid.
• Plaintiffs allege Metropolitan misrepresented what UIM coverage actually covers and failed to disclose this limitation in written policy materials.
• The lawsuit includes claims for breach of contract, negligence, negligent misrepresentation, violations of New Mexico's Unfair Trade Practices Act and Unfair Insurance Practices Act, breach of the implied duty of good faith and fair dealing, and unjust enrichment.
• The settlement covers two groups: policyholders who had a UIM claim offset (and must file a claim), and those who simply purchased UM/UIM coverage during the class period (who receive an automatic refund).
• Metropolitan denies any wrongdoing. No court has made a finding that any law was violated.

What you can get

Key dates

Who may qualify

• Had an underinsured motorist (UIM) claim reduced or "offset" by the at-fault driver's insurance payout between October 1, 2010 and January 31, 2022 OR purchased a New Mexico automobile insurance policy containing UM/UIM coverage between October 1, 2010 and January 31, 2022
• Policy must have been issued by Metropolitan Direct Property and Casualty Insurance Company

How to file

1. If your postcard notice included a Unique ID and PIN, go to the official website and submit your claim online
2. Or download and print the claim form from the Documents page, sign it, and mail it to the Settlement Administrator
3. Or call 1-877-239-5487 to request a paper claim form by mail
4. Claim must be submitted online or postmarked by May 26, 2026
5. If you purchased UM/UIM coverage during the class period but did NOT have a claim offset, no action is needed -- a check will be mailed to you automatically

Proof required

• Unique ID and PIN from your postcard notice, if applicable -- this identifies you as an Offset Subclass Member
• All claims are verified against Metropolitan's business records
• If you did not receive a Unique ID and PIN but believe you had an offset claim, you may print and submit a paper claim form by mail

Payment timing

Payments will be sent after the court grants final approval and any appeals are resolved. Check https://metropolitanuimsettlement.com/ for updates on payment timing and method.

Important links

• Official website
• Claim form
• Important dates
• FAQs
• Documents

Contact

Extra details

• If you received a postcard notice without a Unique ID and PIN, you are in the automatic refund group -- no filing needed.
• If you did not receive any notice but believe you qualify as an Offset Subclass Member, you may print the claim form from the Documents page and mail it to the Settlement Administrator.
• Knowingly submitting a false claim is a violation of federal law.
• Do not contact the Court, the Court Clerk's office, or Metropolitan directly -- all questions go to the Settlement Administrator at the number above.
• The uninsured motorist coverage (no liability insurance on the other driver) is a separate claim type and does NOT qualify under the Offset Subclass option.

FAQ

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