$6.5M Liberty Mutual and Safeco UIM coverage class action settlement
By the Class Action Buddy Editorial Team · Last reviewed April 22, 2026
Liberty Mutual and Safeco have agreed to pay $6.5 million to settle a class action lawsuit alleging the insurers improperly reduced underinsured motorist (UIM) benefits for New Mexico policyholders using an improper "Schmick offset."
The case, Crutcher v. Liberty Mutual Insurance Co., et al. (Case No. 18-cv-00412 JCH-LF), was filed in the U.S. District Court for the District of New Mexico. If you were a Safeco policyholder in New Mexico who purchased UM/UIM coverage between October 1, 2010, and March 31, 2022, or had a UIM claim reduced during that period, you may be eligible for compensation.
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Who Was Eligible?
Who the settlement covered:
- You were a Safeco policyholder or insured in New Mexico
- You purchased or paid premiums for UM/UIM coverage between October 1, 2010, and March 31, 2022
- OR you made a UIM claim for accidents occurring in that timeframe where benefits were reduced or denied due to a "Schmick offset"
- Your policy must have lacked required disclosures and exclusions
How Much Did It Pay?
Premium Refund Subclass: Automatic direct premium refund for those who purchased UM/UIM coverage — no claim form needed.
Offset Subclass: Members whose UIM benefits were reduced by at-fault driver's insurance payments may receive up to $25,000.
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 crutcheruimsettlement.com
- Premium refund class members receive payment automatically — no claim form needed
- Offset subclass members must submit a claim form through the portal
- An insurance claim form is required as proof
- For questions, contact the claims administrator at 877-684-5777 or write to P.O. Box 5338, Portland, OR 97228-5338
- Claims must be submitted by April 30, 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 $6.5M Liberty Mutual and Safeco UIM coverage class action settlement?
The deadline to file a claim was Apr 30, 2026, and it has passed. Claims are no longer accepted for this settlement.
How much can I receive from the $6.5M Liberty Mutual and Safeco UIM coverage 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 $6.5M Liberty Mutual and Safeco UIM coverage class action settlement?
Yes — this settlement required supporting documentation, and the official claim form set out what counted.
Who qualifies for the Liberty Mutual Safeco New Mexico settlement?
New Mexico residents who had auto insurance policies with Liberty Mutual or Safeco and were not properly advised about underinsured motorist coverage options may qualify. Specific eligibility criteria are still being finalized.
How much money can I get from the Liberty Mutual Safeco settlement?
The total settlement is $6.5 million. Individual payouts will vary based on your policy details and the number of valid claims. Exact amounts have not been announced yet.
What is underinsured motorist coverage?
Underinsured motorist (UIM) coverage protects you when you're in an accident with a driver who has some insurance, but not enough to cover all your damages. This settlement involves claims that Liberty Mutual and Safeco didn't properly explain this coverage option to their New Mexico customers.
Primary source: official settlement administrator — crutcheruimsettlement.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.
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