Palmer, et al. v. Illinois Farmers Ins. Co.; Kluessendorf, et al. v. Progressive Preferred Ins. Co.; Hara, et al. v. USAA Casualty Ins. Co.; Johnson, et al. v. American Family Mutual Ins., No. 11-2061 (8th Cir. 2012)
Annotate this CaseInsureds, Minnesota residents, filed class action complaints against their automobile insurers alleging violations of a Minnesota statute, Minn. Stat. 65B.285, requiring insurers to provide a discount for cars which have antitheft devices and breach of contract claims based on the failure to apply the statutory discount. The court affirmed the district court's dismissal of the insureds' amended complaints, rejecting their attempts here, particularly in the absence of any indication that Minnesota's administrative remedies were inadequate, to circumvent Minnesota's administrative remedies in order to create a private right of action.
Court Description: Civil case - Insurance. In a class action alleging defendant insurers violated Minnesota state law by failing to apply a discount for cars with antitheft devices, the district court did not err in dismissing the suit as the contract provisions on which plaintiffs base their claims are not sufficiently specific to overcome the Minnesota courts' reluctance to intervene in the state's administrative scheme of insurance regulation and enforcement and create a contractual duty distinct from the statutory mandate.
Some case metadata and case summaries were written with the help of AI, which can produce inaccuracies. You should read the full case before relying on it for legal research purposes.
This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply.