$4.15M AAA underinsured motorist claims class action settlement
By the Class Action Buddy Editorial Team · Last reviewed April 22, 2026
AAA (Interinsurance Exchange of the Automobile Club) has agreed to pay $4.15 million to settle a class action lawsuit alleging the company improperly reduced or offset underinsured motorist (UIM) claims for New Mexico policyholders.
The case, Smith v. Interinsurance Exchange of the Automobile Club (Case No. 1:22-cv-00447-WJ-JMR), was filed in the U.S. District Court for the District of New Mexico. If you purchased New Mexico auto insurance with UM/UIM coverage from AAA between January 1, 2010, and May 4, 2022, or had a UIM claim reduced during that period, you may be eligible for compensation.
Looking for a settlement you can still file?
This one is closed, but our 60-second eligibility quiz finds the ones that are still open.
Who Was Eligible?
Who the settlement covered:
- You purchased New Mexico auto insurance with UM/UIM coverage from AAA between January 1, 2010, and May 4, 2022
- OR you had an underinsured motorist claim that was reduced or offset by the amount paid by the at-fault driver during that same period
- This settlement applies exclusively to New Mexico policyholders
How Much Did It Pay?
Compensation varies by claim type:
Offset Claims: Class members whose UIM benefits were reduced by at-fault driver payments may receive up to $25,000 (amounts may reduce proportionally based on the number of claims filed).
Premium Refund: Those who purchased UM/UIM coverage may receive a partial premium refund, which varies based on premiums paid and settlement administration costs.
How this claim was filed
This settlement is closed, so the steps below are kept for reference only — they no longer lead anywhere you can file.
- Visit the official settlement website at AAAUIMSettlement.com
- Log in and submit your claim form online
- You will need your AAA policy number and/or claim number
- Claims are submitted under penalty of perjury
- Claims must be submitted by April 29, 2026
Looking for something you can still claim?
This one has closed, but the open settlements list is kept current, and Class Action Buddy will tell you when a new one matches your profile.
Frequently Asked Questions
What is the deadline to file a claim for the $4.15M AAA underinsured motorist claims class action settlement?
The deadline to file a claim was Apr 29, 2026, and it has passed. Claims are no longer accepted for this settlement.
How much can I receive from the $4.15M AAA underinsured motorist claims class action settlement?
The maximum payout per eligible claimant is up to $25,000. Actual payments may be lower depending on the total number of valid claims filed and the available settlement fund.
Did I need documentation for the $4.15M AAA underinsured motorist claims class action settlement?
Yes — this settlement required supporting documentation, and the official claim form set out what counted.
What is underinsured motorist coverage?
Underinsured motorist coverage helps pay for damages when the at-fault driver's insurance limits are too low to fully cover your injuries or property damage. It's designed to bridge the gap between what the other driver's insurance pays and your actual losses.
Why was AAA sued over underinsured motorist claims?
The lawsuit claimed that AAA improperly reduced underinsured motorist claim payments by subtracting the amount paid by the at-fault driver's insurance. This allegedly violated how underinsured motorist coverage should work under the policy terms.
How much money can I get from the AAA settlement?
Individual payout amounts from the $4.15 million settlement fund haven't been announced yet. The amount you receive will depend on factors like the number of eligible claims filed and the specifics of your case.
Primary source: official settlement administrator — AAAUIMSettlement.com. The settlement details on this page were checked against the administrator’s official website.
Class Action Buddy is an independent directory and is not affiliated with, endorsed by, or sponsored by the settlement administrator or the court. This page is general information, not legal advice. See how we verify settlements.
This settlement has closed
The filing deadline for this one has passed, so no new claims are being accepted. Class Action Buddy tracks the settlements that are still open and tells you when a new one matches your profile.
See settlements that are open →Get Notified About New Settlements
We find new class action settlements every week. Get alerts so you never miss free money.
No spam. Unsubscribe anytime. We respect your privacy.