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This official website is maintained by the Settlement Administrator supervised by Lead Counsel in the action entitled Granger, et al. v. Permanent General Assurance Corporation, No. 69-CV-2025-900003 pending in the Circuit Court of Barbour County, Alabama.

PGAC Class Action Settlement

All citizens residing in the United States (except Florida), who, within the Class Period, were (1) insured under an Automobile Insurance Policy sold or issued by PGAC containing the same or similar “Refund of Premium” provision under the policy’s “Cancellation and Non-Renewal” section as found in PGAC’s policies, and who (2) had their policies cancelled, and who (3) had paid a premium that was held by PGAC and still unearned on the effective date of cancellation.

The information contained on this website is only a summary. You may download a copy of the full Notice by clicking here. Since this website is just a summary, you should review the Notice for additional information.

If Your Automobile Insurance with Permanent General Assurance Corporation, Permanent General Assurance Corporation of Ohio, or The General Automobile Insurance Company, Inc. (collectively “PGAC”) Was Canceled, at Your Request or For Non-Payment of Premium, You Could Get Money from a $7 Million Settlement. The lawsuits claim that PGAC breached its insurance contracts when it did not properly refund unearned premiums when customers voluntarily canceled their automobile insurance or when customers’ automobile insurance was canceled for non-payment of premiums. The Court has not decided if Plaintiffs are correct, and PGAC denied and continues to deny the allegations against it. The parties have reached a Settlement Agreement that provides for a Proposed Settlement. The Settlement Fund will be used to pay timely and valid claims, notice and settlement administration costs, and any court-awarded attorneys’ fees and expenses and class representative service awards.

Who is Included?

Generally, you may be included in the Settlements if you were (1) insured under an Automobile Insurance Policy sold or issued by PGAC containing the same or similar “Refund of Premium” provision under the policy’s “Cancellation and Non-Renewal” section as found in PGAC’s policies, and who (2) had their policies cancelled, and who (3) had paid a premium that was held by PGAC and still unearned on the effective date of cancellation.

The full class definition and who is not included, is available in the Notice. To determine the Class Period applicable to the State where your insurance policy was issued, click here.

YOUR LEGAL RIGHTS AND OPTIONS REGARDING THIS CLASS ACTION
Description Due Date

SUBMIT A CLAIM FORM

The only way to receive a settlement payment, to the extent that you are entitled to one, is to timely submit a valid claim form either online or through the U.S. Mail. The deadline to submit a claim form is October 4, 2025. The Claim Form and information on how to submit it are available on this website.

DO NOTHING

If you do nothing, you will not receive a settlement payment. But you will still give up your right to sue PGAC about the legal claims in this case. To receive a settlement payment, you must submit a claim form.

OPT OUT

Write to the Settlement Administrator about why you do not wish to be a part of the Settlement Class or Proposed Settlement. If you opt out, you will not be able to get a settlement payment. This is the only choice that allows you to ever be part of any other lawsuit against PGAC for the legal claims in this case. The deadline to opt out is August 10, 2025.

OBJECT OR SPEAK AT THE FAIRNESS HEARING

Write to the Court about why you don’t like the Proposed Settlement. The deadline to object to the Proposed Settlement is August 10, 2025.

The Final Approval Hearing

The Court will hold a Final Fairness Hearing on September 4, 2025 at 11:00 a.m. Central Time to decide whether to finally approve the Proposed Settlement.  If approved, settlement payments could begin within 95 days after the Court approves the Proposed Settlement. However, if any Settlement Class Member objects or appeals, settlement payments could be delayed, possibly for more than a year, while these issues are resolved. Updates will be provided online at www.PGACInsuranceClassAction.com