Dorazio v. Allstate Insurance Class Action Lawsuit
If Allstate paid you the full uninsured/underinsured motorist (UM/UIM) limit on just one vehicle—even though your Arizona policy covered several vehicles—you could be part of this class action and may recover additional money. Check your eligibility below and take action before the February 26, 2026 opt-out deadline.
Visit Official Settlement WebsiteWho Is Included?
You are automatically a class member if all of the following apply:
- You gave Allstate written notice of intent to pursue a UM/UIM claim on or after December 1, 2019 (and before class certification).
- Your Arizona Allstate policyholder (you, a family member, or business) insured multiple vehicles at the time of the crash.
- Allstate paid you UM/UIM benefits only up to the limit on a single vehicle, not stacked limits for each covered vehicle.
Allegations Against Allstate
Plaintiffs say Arizona law lets drivers “stack” UM/UIM coverage on every insured vehicle unless the insurer:
- Uses policy language that clearly bans stacking, and
- Gives timely written notice letting the insured choose one policy or coverage.
The lawsuit claims Allstate failed on both counts, breaching contracts and acting in bad faith by capping payments at one vehicle’s limit. Allstate denies wrongdoing, and the Court has not ruled on liability.
Your Options & Deadlines
- Do nothing: Stay in the case, keep the chance of future money, and be bound by the result.
- Exclude yourself: Mail a written opt-out so you can sue Allstate separately. Must be postmarked by February 26, 2026.
Details on how to exclude yourself are available in the full notice.
Key Documents
Download the Full Court-Approved Notice (PDF)What Happens Next?
The Court has approved notice to the class. It still must grant preliminary and final approval of any settlement or rule after a trial. No payments are guaranteed. Class Counsel will update members if money becomes available.
Frequently Asked Questions
What is the Dorazio v. Allstate Insurance lawsuit about?
The suit claims Allstate should have stacked UM/UIM limits on multiple-vehicle policies but instead paid only one vehicle’s limit, allegedly breaching contract and acting in bad faith.
How do I know whether my UM/UIM claim was “stacked”?
Look at your payout letter or policy declarations. If Allstate paid exactly one vehicle’s UM or UIM limit—even though more vehicles were on the policy—stacking likely did not occur.
Will I get money from the Dorazio class action?
Not yet. The Court has not decided liability, and no settlement exists. If compensation becomes available, class members will receive instructions to file a claim or will be paid automatically.
What if I want my own attorney?
You may hire a lawyer at your own expense, but it is not required. Court-appointed Class Counsel represents all class members at no upfront cost.
How can I opt out of Dorazio v. Allstate Insurance?
Send a signed exclusion request by mail to the Notice Administrator that is postmarked no later than February 26, 2026. The request must include your name, address, email (if any), a statement requesting exclusion, and the case name.