USAA Michigan Leased Vehicle Total Loss Settlement

Who Was Eligible?

Who the settlement covered:

• You were insured by USAA under a Michigan automobile insurance policy. Individuals and entities both count.
• That policy covered a LEASED vehicle under private-passenger physical damage coverage — collision cover, or physical damage other than collision. Owned vehicles are outside the class.
• You made a first-party claim between 27 January 2015 and 11 March 2026, which the settlement calls the Applicable Class Period. First-party means a claim on your own policy.
• USAA determined the leased vehicle to be a total loss and paid you for its value.
• And that payment did not include the full Michigan sales tax and vehicle regulatory fees. If USAA already paid both in full, there is nothing left for the settlement to reimburse. Sales tax means the tax applicable to vehicles under Michigan law; vehicle regulatory fees means title transfer fees and vehicle registration fees under Michigan law.
• Two groups are carved out: officers, employees and agents of USAA and its affiliates, Class Counsel and their immediate families; and any judge assigned to the case, with their immediate families.
• Similar cases exist against other insurers and none of them is this one. The State Farm Louisiana settlement covers different fees in a different state, and the Star Casualty total loss settlement is a different company again. Your insurer, your state, and whether you leased or owned decide which applies.

How Much Did It Pay?

Your payment is calculated, not shared out. That distinction matters, because the obvious reading of a $647,263.74 fund is that everyone who files makes everyone else's check smaller. Here they do not.

Each qualifying class member is paid three things, to the extent USAA has not already paid them:

• Michigan's 6% sales tax on the value of the totaled vehicle, taken from USAA's own records
• A title transfer fee of $15 per vehicle
• A vehicle registration fee of $8 per vehicle

So the size of your payment tracks the value of your car. Six percent of a $12,000 write-off is $720. Six percent of a $40,000 write-off is $2,400. Add $23 of fees to either. Then subtract anything USAA already paid toward tax and fees, because the settlement covers the shortfall rather than the whole amount twice over.

$647,263.74 is what USAA expects to pay across every qualifying claim. It is a ceiling on the total, not a pot divided by however many people turn up, and nothing on the settlement website suggests individual payments shrink with the response rate.

One more thing in claimants' favor. Class Counsel will ask for fees and expenses of up to $174,761.20 and a $5,000 service award for the class representative. If the court approves them, USAA pays those separately and apart from what class members receive. They do not come out of your money.

If you had more than one qualifying insurance claim, each one needs its own claim form.

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.

• Look for the notice USAA sent you. A claim form came enclosed with it, and that form is the whole process. Read the instructions, fill it in, sign it.
• You do not need to prove what your car was worth. The tax is calculated from the value already sitting in USAA's records, which is why there are no receipts or valuations to hunt down.
• File it by 8 October 2026, one of two ways. Post it so it is postmarked by that date, to the Marchek Settlement Administrator, c/o Rust Consulting, Inc. - 8970, PO Box 2599, Faribault, MN 55021-9599. Or submit it online through marcheksettlement.com by the same date.
• Had more than one qualifying total loss? Each insurance claim needs its own separate form.
• Do not send anything to the court, the judge, or USAA. It has to go to the administrator.
• Filing for somebody else has extra requirements. Only a class member or a Legally Authorized Representative can submit a claim — an executor or personal representative of a deceased member's estate, a guardian or conservator of an incapacitated member, or someone holding a power of attorney. A representative has to supply documents proving that status: estate paperwork, a power of attorney, a death certificate.
• Questions go to 1-800-598-3078 or info@MarchekSettlement.com.
• Payment waits on the court. The approval hearing was listed for 8 September 2026 and money moves only after final approval and any appeals are resolved. The administrator asks for patience and says to check the website for status.

Frequently Asked Questions