Frequently Asked Questions

  1. Why should I read this website?

    The purpose of this website is to inform you that your rights may be affected by the Proposed Settlement of the Folweiler v. Allstate class action. You may have been issued a Notice pursuant to Washington Civil Rule 23 and by order of the Superior Court of King County, Washington. The Notice has been sent only to the Potential Class Members, not to any of their personal counsel, whether known or unknown, in connection with any specific Accident or Covered Treatment.

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  2. What is the Lawsuit about?

    The Notice describes the Proposed Settlement of a class action lawsuit concerning alleged violation of Washington law by defendants Allstate Fire & Casualty Insurance Company, Allstate Insurance Company, Allstate Indemnity Company, Allstate Property and Casualty Insurance Company, Allstate Vehicle and Property Insurance Company, Northbrook Indemnity Company, Allstate County Mutual Insurance Company, Deerbrook Insurance Company, Encompass Insurance Company, Encompass Insurance Company of America and Encompass Indemnity Company (collectively, “Allstate,” as further defined in the Settlement Agreement). The Plaintiff alleges generally that, in violation of Washington state law, Allstate improperly failed to pay, in whole or in part, medical expense benefits under the Med Pay and/or PIP coverages afforded in the Policies in Washington based on Allstate’s use of a computerized bill-review process, including the FAIR Health database, as a tool to assist in the adjustment of claims for payment of such benefits.

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  3. What are the terms of the Settlement Agreement?

    Class Members who timely submit a Valid Claim Form are entitled to receive 135% of the difference between the amount of the bills submitted and the amount previously paid by Allstate, subject to the provisions of the Settlement Agreement, and fully subject to and not in excess of the applicable Policy Limits.

    If valid Claims are made by both a member of the Insured/Claimant Subclass and a member of the Provider Subclass, for the same medical bill or claim, Allstate will pay each competing claimant 67.5% of the reduction, or any reduced amount as set forth above—i.e., the available percentage will be split 50/50—unless the Provider Subclass member produces a valid assignment or avers that a valid assignment exists, in which case the Provider Subclass member will be paid 100% and the Insured/Claimant Subclass member will be paid 0%.

    Allstate will pay only based on what its records show. The payment decision based on Allstate’s records will be final and binding so long as Allstate provides the records Allstate relied on to the claimant by request. There shall be no right of appeal, and the amount Allstate pays shall be the full amount the Class Member will ever receive from Allstate.

    Effective February 1, 2017, and extending for a three-year period to February 1, 2020, Allstate will pay all medical bills for which coverage has been determined, and Policy Limits have not been exhausted or partially exhausted, if the reduction is up to $10 above the 85th percentile amount in the FAIR Health database, or any similar successor system that Allstate may use during this period, of charges. If the reduction is more than $10 above the 85th percentile amount in the FAIR Health database, Allstate reserves its right to take the entire reduction.

    Bills that exceed $10 above the 85th percentile as contemplated in the paragraph above should be paid in full if the billed amount is a reasonable amount for that provider to charge consistent with and governed by Washington law for which coverage has been determined, and Policy Limits have not been exhausted or partially exhausted. Pursuant to and consistent with the paragraph below, Class Members reserve the right to bring an individual action against Allstate to be paid this full amount billed and do not waive any right to do so by this provision. However, this provision does not require Allstate to change any of its bill payment practices, except for the change set forth in the paragraph above.

    Effective February 1, 2017, and extending for a three-year period to February 1, 2020, Class Members who do not exclude themselves from the Settlement Class agree not to bring a class action, or to bring any other form of collective action, challenging Allstate’s practice during the period from February 1, 2017, to February 1, 2020, of reducing bills in accordance with the paragraphs above. Class Members who do not exclude themselves from the Settlement Class also agree that after February 1, 2020, they will not bring a class action or collective action to recover for such reductions made from February 1, 2017, to February 1, 2020.

    However, from February 1, 2017, to February 1, 2020, Class Members are free to sue Allstate individually challenging Allstate’s failure to pay what they contend are their reasonable bills. In such individual suits, Class Members will have any and all rights and/or remedies provided by Washington law, regulation and/or statute, including the Consumer Protection Act. Class Members are not waiving any claim, right or remedy with regard to reductions made to their individual bills, nor are Class Members waiving any claim, right or remedy to recover reductions made to their individual bills in an individual action filed after February 1, 2020, for reductions made between February 1, 2017, and February 1, 2020. No such individual action for reductions made between February 1, 2017, and February 1, 2020, however, may be joined with, consolidated with, or otherwise brought collectively with any other such individual action. Nothing in these paragraphs limits any action by a Class Member whatsoever for any reductions taken after February 1, 2020.

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  4. Who is covered by the case?

    On January 25, 2017, the Court provisionally certified the following Class, during the time period October 15, 2011 to January 31, 2017, for Settlement purposes (included Persons are “Class Members”).

    The “Insured/Claimant Subclass” is defined as every Person who, at any time during the Class Period:

    1. Was insured under an Allstate Washington Policy;
    2. Suffered a Covered Injury and received Covered Treatment for such injury;
    3. Submitted a Subject Claim or had a Subject Claim submitted on his or her behalf;
    4. Received from Allstate as the total payment or reimbursement for all Covered Treatment covered by a single Policy (through payments to himself, to herself, or to others on his or her behalf) a total amount that was less than the applicable PIP or Med Pay limit(s) stated in that Policy;
    5. Received from Allstate as payment or reimbursement for at least one Covered Treatment (through payments to himself, to herself, or to others on his or her behalf) an amount that was less than the charge billed for that treatment because Allstate or one of its agents and/or employees determined, with the aid of a computerized bill-review system, including the FAIR Health database, that the charge billed for that treatment exceeded the usual, customary, and/or reasonable amount for that treatment; and
    6. The applicable Med Pay or PIP Policy Limits for the Insured/Subclass member treated have not been exhausted.

    The “Provider Subclass” is defined as every Person who, during the Class Period:

    1. Provided Covered Treatment, in Washington, to a member of the Insured/Claimant Subclass for a Covered Injury;
    2. Sought payment for that Covered Treatment under the PIP or Med Pay coverage provided by a Policy;
    3. Received from Allstate as payment for that Covered Treatment an amount that was less than the charge billed for that treatment because Allstate or one of its agents and/or employees determined, with the aid of a computerized bill-review system, including the FAIR Health database, that the charge billed for that treatment exceeded the usual, customary, and/or reasonable amount for that treatment; and
    4. The applicable Med Pay or PIP Policy Limits for the Insured/Subclass member treated have not been exhausted.

    To be excluded from the class, you must follow the “opt out” procedure described in FAQ 6.

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  5. How do I make a Claim?

    A Claim Form was provided with the Notice you were mailed. You must fully complete the Claim Form and submit it online on the Submit a Claim page. Or, you can mail it to the Claims Administrator at Folweiler Chiropractic v. Allstate, P.O. Box 3719, Portland, OR 97208-3719. In order to be eligible, the completed Claim Form must be postmarked or submitted online not later than July 13, 2017.

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  6. Do I need to do anything to participate, or can I exclude myself from the Class?

    Yes. If you wish to participate in the Settlement, you must submit a Claim Form as described in the previous FAQ (see FAQ 5). Your Claim will then be resolved and paid, if valid, upon approval of the Settlement and within the time frames specified therein. You will not be charged anything individually to remain in the Class.

    If you fit the class description but do not file a Claim, you will not receive the benefits of the Settlement, but will still be bound by any final judgment entered, including the Release of your Claims, and will be permanently enjoined from prosecuting any of the Released Claims in this matter at any time in the future.

    Notwithstanding the preceding paragraph, you may opt out of the Class by using the procedure described below. If you elect to opt out, the Court will exclude you from this case and you will not receive any payment in this case. If you validly opt out, you will also not be bound by this Settlement or any final judgment entered in the case.

    To opt out, send a letter addressed to Folweiler Chiropractic v. Allstate, P.O. Box 3719, Portland, OR 97208-3719. The letter must state your name, address, and telephone number, and it must state that you do not wish to be a member of the Class and are opting out. The letter must also be signed by the Person who is opting out. The letter must be postmarked no later than March 15, 2017.

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  7. Who represents the Class?

    For purposes of the Settlement, the Named Plaintiff, Folweiler Chiropractic, P.S., has been designated by the Court as the Class Representative. There is no separate class representative for the Insured/Claimant Subclass because the Parties agreed, and the Court has expressly found, that, for Settlement purposes only, the Named Plaintiff is an adequate class representative for both the Insured/Claimant Subclass and the Provider Subclass because the interests of both Subclasses are aligned under the Settlement. The Class is represented by the following attorneys (“Class Counsel”):

    Class Counsel
    David Breskin and Brendan Donckers
    Breskin, Johnson & Townsend
    1000 Second Ave.
    Suite 3670
    Seattle, WA 98104
    (206) 652-8660
    www.BJTLegal.com

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  8. Reasons for the Settlement.

    The Named Plaintiff and Class Counsel support the Settlement Agreement because it provides for prompt, efficient, and fair relief. In ultimately deciding to recommend this Settlement, Class Counsel considered the relative risks and benefits to the Class of settlement or continuing litigation. Class Members incur no risk or cost in obtaining the relief provided for in the Settlement. While Plaintiff and Class Counsel have agreed to the terms of the Settlement, they do not agree that Allstate’s past, current, or future practices using a database, including the FAIR Health database, in the claims adjustment process is consistent with Washington law and/or do not represent unfair practices that violate the Washington Consumer Protection Act.

    While Allstate has agreed to the terms of this Settlement, Allstate has denied and continues to deny liability on each and every claim asserted by the Named Plaintiff. More specifically, Allstate has denied and continues to deny all charges of wrongdoing or liability, on any theory, arising out of any conduct, statements, acts or omissions of Allstate or its employees, agents, or representatives, in connection with the Action. Allstate has denied and continues to deny any assertion that the Named Plaintiff or Settlement Class Members suffered any damages that were proximately caused by any act or omission of Allstate or its employees, agents or representatives, or that a Class Action would otherwise be proper in this case.

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  9. Who pays the attorneys’ fees and costs?

    At the Fairness Hearing set for April 14, 2017 at 9:00 a.m., Class Counsel will seek Court approval for an attorneys’ fee and cost award not to exceed $622,500, which is an amount that approximates 30% of the total settlement amount and is a usual and customary percentage awarded by courts in cases involving a common fund. Any fees and cost award will be paid separately by Allstate, and will not reduce or diminish the amounts paid to Class Members.

    Subject to Court approval, Allstate has also agreed to pay a class representative fee of up to $7,500 for the Named Plaintiff for its time, effort, and risk in prosecuting this Action. These payments are in addition to and will not reduce or diminish the amounts paid to Class Members.

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  10. Settlement approval procedure.

    The Court will hold a Fairness Hearing on April 14, 2017 at 9:00 a.m., in the Courtroom of the Honorable Jeffrey Ramsdell in Seattle, Washington. The address of the Court is King County Superior Court, 516 Third Avenue in Seattle, Washington 98104. At the Fairness Hearing, the Court will consider whether the Proposed Settlement should be granted final approval as fair, adequate, and reasonable and in the best interests of the Class as a whole. The Court will also consider the request of Class Counsel for an award of attorneys’ fees and costs and the proposed class representative payment by Allstate. You may attend this hearing if you wish, but are not required to do so in order to participate in the Settlement.

    If you decide to opt out of the Class, you are not entitled to object to the Proposed Settlement. If you decide to remain in the Class, and you wish to object to any aspect of the Settlement, you may do so, provided that you submit your objections, in writing, to the Honorable Jeffrey Ramsdell, King County Courthouse, 516 Third Avenue, Seattle, WA 98104, and to Folweiler Chiropractic v. Allstate, PO Box 3719, Portland, OR 97208-3719, not later than March 15, 2017.

    If you wish to appear at the Fairness Hearing and be heard orally in objecting to the Settlement, you may do so if you file with the Clerk of the Court, and send to the address listed above, a written notification of your desire to appear personally, indicating briefly the nature of your intended objection. Such notice must be postmarked not later than March 15, 2017.

    If you intend to object to the Settlement, you must submit in writing the following information:

    1. A heading which refers to the Action;
    2. A statement whether the objector intends to appear at the Final Settlement Hearing, either in person or through counsel, and, if through counsel, identifying that counsel by name, address and phone number;
    3. A clear and detailed statement of the specific legal and factual bases for each and every objection, and, if through counsel, a statement of authorities in support of the objection; and
    4. Proof that the objector is in fact a Settlement Class member; provided, however, that an objection also may be entertained on any other basis deemed adequate by the Court.

    Any Class Member who does not so request to object waives the right to do so in the future, and shall be forever barred from making any objection to the Proposed Settlement. If the Class Member is represented by an attorney, he/she or it must comply with all applicable Washington laws and rules for filing pleadings and documents in Washington courts.

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  11. Effect of Settlement Approval, including Release of All Claims.

    Unless you exclude yourself from the Class in the manner set forth herein, if the Final Judgment and Order Approving Settlement is entered by the Court, you shall be deemed to have given Allstate, and any of its past, present or future officers, stockholders, directors, agents, employees and/or independent contractors and/or any other successors, assigns, or legal representatives thereof (the “Released Persons”) a General Release. Under this General Release, you, your heirs, executors, administrators, successors and assigns shall release, waive, withdraw, retract and forever discharge any and all Unknown Claims, known Claims, rights, demands, actions, causes of action, suits, debts, liens, contracts, liabilities, agreements, interest, costs, expenses or losses, losses or damages (whether actual, consequential, treble, statutory and/or punitive or exemplary or other) for or arising out of the acts alleged or which are or could have been alleged by the Named Plaintiffs or the Potential Class Members in this Action and which relate in any way to the theories in the Action or which could have been brought relating to the subject matter of the Action, including, but not limited to, statutory and non-statutory attorneys’ fees; unjust enrichment; breach of contract; breach of any covenant of good faith and/or fair dealing; premium overcharges; fraudulent inducement; fraud; misrepresentation; deception; consumer fraud; antitrust; defamation; tortious interference with contract or business expectations; Racketeer Influenced and Corrupt Organizations Act violations; violations of the Washington Consumer Protection Act, the Washington Insurance Fair Conduct Act, or any consumer protection act; unfair claims settlement practices; conversion; interest; injunctive relief; declaratory judgment; costs; unfair trade practices; unfair insurance practices; unfair competition; deceptive practices; statutory violations; regulatory violations; unfair business practices; breach of fiduciary duty; mental or emotional distress; and/or bad faith, relating in any way whatsoever to Allstate’s review, handling, payment, adjustment or denial, in whole or in part, of claims for Medical Payments or Personal Injury Protection benefits, including, but not limited to, through the use of a computer database including the FAIR Health database, and/or any claims which were brought or could have been brought or relate in any way whatsoever to the Action, or which relate in any way whatsoever to the Accidents or the Policies, or the Accidents with respect to the Policies. “Released Claims” also includes the Claims described in Section VI of the Stipulation describing claims arising during the three-year period between February 1, 2017, and February 1, 2020. “Unknown Claims” means any claims arising out of new facts or facts found hereafter to be other than or different from the facts now believed to be true, relating to any matter covered by the Stipulation, as to any of the Released Claims, so that each Class Member shall be deemed to have expressly waived any and all Unknown Claims relating to any matter covered by the Stipulation and related to Medical Payments or Personal Injury Protection benefits as defined in the Stipulation, to the full extent permitted by law, and to the full extent of claim preclusion and res judicata protections. These include the following terms:

    • Effective February 1, 2017, and extending for a three-year period to February 1, 2020, Allstate will pay all medical bills, for which coverage has been determined, and Policy Limits have not been exhausted or partially exhausted, if the reduction is up to $10 above the 85th percentile amount in the FAIR Health database, or any similar successor system that Allstate may use during this period, of charges. If the reduction is more than $10 above the 85th percentile amount in the FAIR Health database, Allstate reserves its right to take the entire reduction.
    • Bills that exceed $10 above the 85th percentile as contemplated in the paragraph above should be paid in full if the billed amount is a reasonable amount for that provider to charge consistent with and governed by Washington law for which coverage has been determined, and Policy Limits have not been exhausted or partially exhausted. Pursuant to and consistent with the paragraph below, Class Members reserve the right to bring an individual action against Allstate to be paid this full amount billed and do not waive any right to do so by this provision. However, this provision does not require Allstate to change any of its bill payment practices, except for the change set forth in the paragraph above.
    • Effective February 1, 2017, and extending for a three-year period to February 1, 2020, Class Members who do not exclude themselves from the Settlement Class agree not to bring a class action, or to bring any other form of collective action, challenging Allstate’s practice, during the period from February 1, 2017, to February 1, 2020, of reducing bills in accordance with the paragraphs above. Class Members who do not exclude themselves from the Settlement Class also agree that, after February 1, 2020, they will not bring a class action or collective action to recover for such reductions made from February 1, 2017, to February 1, 2020.
    • However, from February 1, 2017, to February 1, 2020, Class Members are free to sue Allstate individually challenging Allstate’s failure to pay what they contend are their reasonable bills. In such individual suits, Class Members will have any and all rights and/or remedies provided by Washington law, regulation and/or statute, including the Consumer Protection Act. Class Members are not waiving any claim, right or remedy with regard to reductions made to their individual bills, nor are Class Members waiving any claim, right or remedy to recover reductions made to their individual bills in an individual action filed after February 1, 2020, for reductions made between February 1, 2017, and February 1, 2020. No such individual action for reductions made between February 1, 2017, and February 1, 2020, however, may be joined with, consolidated with, or otherwise brought collectively with any other such individual action. Nothing in these paragraphs limits any action by a Class Member whatsoever for any reductions taken after February 1, 2020.

    If the Settlement is not approved by the Court, the case will proceed as active litigation. If there are further actions that are taken in this lawsuit that affect your rights, you will receive notice as ordered by the Court.

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  12. Where do I get additional information?

    The foregoing is only a summary of the circumstances surrounding the lawsuit, the claims asserted, the Proposed Settlement, and related matters. You may seek the advice and guidance of Class Counsel, or of your own private attorney at your own expense, if you desire.

    For more detailed information, you may review the pleadings, records, and other papers on file in this lawsuit, which may be inspected during regular business hours at the Clerk’s Office, Superior Court of King County, 516 Third Avenue, Seattle, WA 98104. You may also view the documents on this website here. In addition, you can obtain further information by writing to Folweiler v. Allstate, P.O. Box 3719, Portland, OR 97208-3719 or by calling the following toll-free number: 844-299-6986. Copies of the Settlement Agreement are also available from Class Counsel and available for download here. If you wish to communicate with Class Counsel, you may do so by phoning, writing, or emailing Class Counsel at the number and/or addresses listed in FAQ 7. Please do not contact Allstate regarding this Settlement.

    Please do not contact the Court for information, except as set forth in FAQ 12.

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Important Dates

  • March 15, 2017
    Deadline to request exclusion (“opt out”) from the Settlement
  • March 15, 2017
    Deadline to object to the Settlement
  • April 14, 2017 at 9 a.m.
    Final Approval Hearing
  • July 13, 2017
    Initial Claim Filing Deadline