Frequently Asked Questions

  1. Why did I get a Letter?

    You have received a letter (called a “Notice”), and the enclosed Claim Form, because Travelers’ records show that you or a vehicle you insured with Travelers or an affiliate was involved in a loss covered under an insurance policy issued in Pennsylvania. The date of the loss was between January 16, 2011, and May 27, 2021, and Travelers provided rental vehicle benefits for a period of 1 to 30 days. These rental vehicle benefits are referred to as rental reimbursement, extended transportation expense, or ETE benefits.

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  2. Which Companies are part of the Settlement?

    This Settlement involves Travelers Insurance Company and its affiliates (the “Settling Defendants”):

    • THE TRAVELERS HOME AND MARINE INSURANCE COMPANY
    • THE TRAVELERS COMPANIES, INC.
    • TRAVELERS PROPERTY AND CASUALTY COMPANY
    • TRAVELERS INDEMNITY COMPANY
    • AMERICAN EQUITY SPECIALTY INSURANCE COMPANY
    • DISCOVER PROPERTY & CASUALTY INSURANCE COMPANY
    • FARMINGTON CASUALTY COMPANY
    • FIDELITY AND GUARANTY INSURANCE COMPANY
    • FIDELITY AND GUARANTY INSURANCE UNDERWRITERS, INC.
    • NORTHLAND CASUALTY COMPANY
    • NORTHLAND INSURANCE COMPANY
    • ST. PAUL FIRE AND MARINE INSURANCE COMPANY
    • ST. PAUL GUARDIAN INSURANCE COMPANY
    • ST. PAUL MERCURY INSURANCE COMPANY
    • ST. PAUL PROTECTIVE INSURANCE COMPANY
    • THE AUTOMOBILE INSURANCE COMPANY OF HARTFORD, CONNECTICUT
    • THE CHARTER OAK FIRE INSURANCE COMPANY
    • THE PHOENIX INSURANCE COMPANY
    • THE STANDARD FIRE INSURANCE COMPANY
    • THE TRAVELERS CASUALTY COMPANY
    • THE TRAVELERS INDEMNITY COMPANY OF AMERICA
    • THE TRAVELERS INDEMNITY COMPANY OF CONNECTICUT
    • TRAVCO INSURANCE COMPANY
    • TRAVELERS CASUALTY AND SURETY COMPANY
    • TRAVELERS CASUALTY AND SURETY COMPANY OF AMERICA
    • TRAVELERS CASUALTY COMPANY OF CONNECTICUT
    • TRAVELERS CASUALTY INSURANCE COMPANY OF AMERICA
    • TRAVELERS COMMERCIAL CASUALTY COMPANY
    • TRAVELERS COMMERCIAL INSURANCE COMPANY
    • TRAVELERS CONSTITUTION STATE INSURANCE COMPANY
    • TRAVELERS PERSONAL INSURANCE COMPANY
    • TRAVELERS PERSONAL SECURITY INSURANCE COMPANY
    • TRAVELERS PROPERTY CASUALTY COMPANY OF AMERICA
    • TRAVELERS PROPERTY CASUALTY INSURANCE COMPANY
    • UNITED STATES FIDELITY AND GUARANTY COMPANY
    • CONSUMERS COUNTY MUTUAL
    • FIDELITY AND GUARANTY INSURANCE UNDERWRITERS INC.
    • FIRST FLORIDIAN AUTO AND HOME INSURANCE COMPANY
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  3. What is this lawsuit about?

    In the lawsuit, Plaintiffs claim generally, that, in breach of the Policies, Defendants improperly limited the amount of rental benefits, known as ETE coverage, to a period of time less than thirty (30) days and failed to pay the Plaintiffs and Settlement Class Members the ETE benefits to which they were entitled. The Settling Defendants contend that they did nothing wrong and contend that they paid the full and appropriate amounts for ETE coverage.

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  4. Why is this a class action?

    In a class action, one or more people called Class Representatives, sue on behalf of people who have similar claims. All of these people are part of a “Class.” One court resolves the issues for all Class Members, except for those who exclude themselves from the Class. Judge Karen S. Marston of the United States District Court for the Eastern District of Pennsylvania is presiding over this class action.

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  5. Why is there a Settlement?

    After this matter was filed, both sides agreed to a Settlement, which, if approved, brings the litigation to an end. That way, Plaintiffs and the Settling Defendants avoid the cost, delay, and uncertainty of moving forward in litigation to trial and possible appeals, and the Class Members may get payments. The Class Representatives and their attorneys think the Settlement is best for the Class Members.

    You may be eligible to receive money from this Settlement, if you are a Class Member and you submit a valid claim form.

    In addition, the Settling Defendants have agreed to change certain of their auto rental claim practices at issue in this case, as detailed in the Settlement Agreement which may be accessed here.

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  6. How do I know if I am part of the Settlement?

    You are a member of the Class if you are a Pennsylvania first party total loss vehicle claimant under private passenger auto policies issued by one of the Settling Defendants in Pennsylvania with a date of loss from January 16, 2011, to May 27, 2021 who were paid for 1–30 days under auto rental reimbursement extended transportation expenses coverage.

    If you received a Letter it was because Travelers’ records indicate you would be a member of the Class. You need to fill out the Claim Form in order to receive payment.

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  7. How much might my payment be?

    Each Class Member who submits a valid claim form will receive a single payment ranging from $30-300, depending on the number of days Settling Defendants paid ETE to the claimant. Payments will be determined as follows, based upon the business records of the Settling Defendants.

    Category Number of Rental Days Already Paid Distribution Amount per Class Member
    I 1-8 $300.00
    II 9-15 $200.00
    III 16-25 $75.00
    IV 26-30 $30.00

    Not everyone who receives the Notice will be eligible for payment. You can only receive your share of the Settlement if you submit a Valid Claim Form by March 25, 2022. If you received a Second Notice stating there was a mailing error, the deadline for you is May 27, 2022. This deadline is only applicable to those who received a Second Notice and Claim Form mailed and/or emailed on March 28, 2022 that states the deadlines are May 27, 2022.

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  8. How can I receive a payment?

    To qualify for payment, you must be an eligible Class Member (see FAQ 6) and submit a valid Claim Form. The Claim Form is enclosed with the Notice. Read the instructions carefully and, if you wish to make a claim, fill out the form, sign it, and submit it by mail postmarked by March 25, 2022, or submit it online here by that date. If you received a Second Notice stating there was a mailing error, the deadline for you is May 27, 2022. This deadline is only applicable to those who received a Second Notice and Claim Form mailed and/or emailed on March 28, 2022 that states the deadlines are May 27, 2022.

    You can submit the Claim Form by email to claims@StechertClassSettlement.com. You may also fill out and submit the Claim Form online here.

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  9. When would I get my payment?

    The Court will hold a hearing on June 15, 2022, to decide whether to approve the Settlement. If the Court approves the Settlement, and there are no appeals, we estimate that checks will be mailed around August 25, 2022. You will get your payment after all appeals have been concluded and the Settlement is approved with no further appeals possible.

    We will provide regular updates of the status of the Settlement to all people who submit Claim Forms on this website. Please be patient.

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  10. What am I giving up if I participate in the Settlement?

    Unless you exclude yourself, you can’t sue, continue to sue, or be part of any other lawsuit against the Settling Defendants about the legal issues in this case. It also means that all of the Court’s orders will apply to you and legally bind you. If you do not exclude yourself from the Class, you agree to “release and discharge” Settling Defendants as described in Paragraphs 31, 32, 33, 39, 79, and 80 of the Stipulation of Settlement.

    This Settlement involves ETE (auto rental) benefits only and does not affect in any way other insurance benefits such as property damage or personal injury claims.

    A complete copy of the Stipulation of Settlement can be obtained here. The Stipulation of Settlement specifically describes the Released Claims in full. Talk to Class Counsel (see FAQ 11) or your own lawyer if you have questions about the Release Claims or what they mean.

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  11. Do I have a lawyer in this case?

    The Court has decided that the attorneys bringing this suit are qualified to represent you and all Class Members. Together these lawyers are called “Class Counsel.” Class Counsel appointed by the Court can be reached at:

    Class Counsel
    Richard M. Ochroch, Esquire
    Brett N. Benton, Esquire
    Andrew R. Ochroch, Esquire
    Richard M. Ochroch & Associates, P.C.
    318 S. 16th Street
    Philadelphia, PA 19102
    rochroch@ochroch-law.com
    215-735-2707 215-735-2707
    Marc P. Weingarten, Esquire
    James Barry, Esquire
    Locks Law Firm
    601 Market Street, Suite 720 East
    170 S. Independence Mall West
    Philadelphia, PA 19106
    mweingarten@lockslaw.com
    215-893-0100 215-893-0100

    Your lawyers’ fees and costs will be determined by the Court and will be paid by the Settling Defendants separate and apart from your individual recovery. You will not be charged for these lawyers’ work in securing the Settlement benefits for you and the other Class Members. You owe nothing if you participate in the Settlement. If you want to be represented by your own lawyer, you may hire one at your own expense.

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  12. How will the Lawyers be paid?

    Class Counsel will ask the Court for an award of their attorneys’ fees and expenses that does not exceed $1,210,000.00, to be paid separate and apart from the Settlement funds for Class Members, as well as a payment of $20,000.00 each to the Class Representatives, Kyle Stechert and Marie Stechert. The Court may award less than these amounts. Defendants will separately pay the costs to administer the Settlement.

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  13. What do I do to be excluded?

    If you exclude yourself from the Class by “opting out” you won’t get any money or benefits from this Settlement. However, you will retain any right you currently have to make your own claim against the Settling Defendants.

    To ask to be excluded, you must send a signed letter, stating that you want to be excluded from STECHERT v. THE TRAVELERS HOME AND MARINE INS. CO. Be sure to include your name and address, and sign the letter. You must mail your Exclusion Request postmarked by March 25, 2022, to: STECHERT v. THE TRAVELERS HOME AND MARINE INS. CO., P.O. Box 6546, Portland, OR 97228-6546. If you received a Second Notice stating there was a mailing error, the deadline for you is May 27, 2022. This deadline is only applicable to those who received a Second Notice and Claim Form mailed and/or emailed on March 28, 2022 that states the deadlines are May 27, 2022.

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  14. If I don’t exclude myself, can I still sue the Settling Defendants for the same thing later?

    No. Unless you exclude yourself, you give up any right to sue Settling Defendants for the claims that this Settlement resolves. If you have a pending lawsuit, speak to your lawyer in that case immediately. You must exclude yourself from this Class to continue your own lawsuit if it involves claims that are being released through this Settlement.

    Remember, the exclusion deadline is March 25, 2022. If you received a Second Notice stating there was a mailing error, the deadline for you is May 27, 2022. This deadline is only applicable to those who received a Second Notice and Claim Form mailed and/or emailed on March 28, 2022 that states the deadlines are May 27, 2022.

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  15. If I exclude myself, can I get a payment from this Settlement?

    No. If you exclude yourself, you are not eligible for a payment under the Settlement. But you may sue, continue to sue, or be part of a different lawsuit against Settling Defendants.

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  16. If I want to, how can I tell the Court that I like or don’t like the Settlement?

    If you’re a Class Member, and you do not exclude yourself, you can—but need not—comment on or object to the Settlement. You can give reasons why you think the Court should or should not approve it. The Court will consider your views. To be effective, a notice of intent to object to the Settlement must:

    1. Contain a heading that includes the name of the case and case number; (Stechert v Travelers Class Action Settlement, Case No. 17-CV-784.)
    2. Provide the name, address, telephone number and signature of the Class Member filing the objection;
    3. Be filed with the Clerk of the Court no later than March 25, 2022;
    4. Be served on Class Counsel and counsel for the Defendants at the addresses below by first-class mail, postmarked no later than March 25, 2022;
    5. Contain the name, address, bar number and telephone number of the objecting Class Member's counsel, if represented by an attorney.

    If you received a Second Notice stating there was a mailing error, the deadline for you is May 27, 2022. This deadline is only applicable to those who received a Second Notice and Claim Form mailed and/or emailed on March 28, 2022 that states the deadlines are May 27, 2022.

    Please see the response to FAQ 22 – What is the Settlement II group?

    If you are represented by an attorney, you must comply with all applicable laws and rules for filing pleadings and documents in the Court; and state whether you intend to appear at the Final Settlement Hearing, either in person or through counsel. In addition, if you or your attorney request permission to speak at the Final Settlement Hearing, then your notice of intent to object must contain a detailed statement of the specific legal and factual basis for each and every objection; and a detailed description of any and all evidence you may offer at the Final Settlement Hearing, including photocopies of any and all exhibits which you may introduce at the Final Settlement Hearing.

    Class Counsel Counsel for Settling Defendants
    Richard M. Ochroch, Esquire
    Richard M. Ochroch &
    Associates, P.C.
    318 S. 16th Street
    Philadelphia, PA 19102
    Mark L. Hanover
    Dentons US LLP
    233 South Wacker Drive
    Suite 5900
    Chicago, IL 60606-6361

    Any comments or objections which do not comply with the above or are not timely served on both counsels listed above will not be considered by the Court.

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  17. When and where will the Court decide whether to approve the Settlement?

    The Court will hold a Final Settlement Hearing at 1:00 p.m. on June 15, 2022, at the United States District Court for the Eastern District of Pennsylvania, United States Courthouse, 601 Market Street, Philadelphia, PA 19106. At this hearing, the Court will consider whether the Settlement is fair, reasonable, and adequate. If there are objections, the Court will consider them. The Court will, if the requisite notice of intent to appear and speak is filed, listen to anyone at the hearing who asks to speak, and if objections were timely served, will consider them.

    The Court will also decide how much to pay Class Counsel and the Class Representatives. The Final Settlement Hearing may be postponed without further notice to the Class.

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  18. Do I have to come to the hearing?

    No. Counsel will answer questions the Judge may have. But you are welcome to come at your own expense. If you send a comment (including an objection), you don’t have to come to Court to talk about it. As long as you mail it on time, the Court will consider it. You may also pay your own lawyer to attend, but it’s not necessary.

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  19. May I speak at the hearing?

    You may ask the Court for permission to speak at the Final Settlement Hearing. To do so, you must send a letter to both lawyers listed in FAQ 16, saying that it is your “Notice of Intention to Appear at the Final Settlement Hearing in Stechert v. The Travelers Home and Marine Ins. Co.” You must include your name, address, telephone number, and signature. Your Notice of Intention to Appear must be postmarked by March 25, 2022. You cannot speak at the hearing if you previously opted out of the Class, because the case no longer affects you.

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  20. What happens if I do nothing at all?

    If you do nothing, you will get no money from this Settlement. To receive a payment you must submit a qualifying Claim Form by March 25, 2022. If you received a Second Notice stating there was a mailing error, the deadline for you is May 27, 2022. This deadline is only applicable to those who received a Second Notice and Claim Form mailed and/or emailed on March 28, 2022 that states the deadlines are May 27, 2022.

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  21. Are there more details about the Settlement?

    Yes. The Notice summarizes the proposed Settlement. More details are in the Stipulation of Settlement. You can view and print a copy of the Stipulation of Settlement and other information about the lawsuit here. You can submit your Claim Form online here or sending it in by mail. You may also call the following toll-free number for more information: 1-855-866-8960.

    Please do not call the Court, the Court Clerk’s office or the Settling Defendants or their Lawyers to inquire about this Settlement. They will be unable to help you.

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  22. What is the Settlement II group?

    If you received a Second Notice stating there was a mailing error, you are part of the Settlement II group. Our records indicate that, due to a mailing error, members of this group may not have received the first Notice of Proposed Class Action Settlement that was previously mailed. Accordingly, out of caution, a second Notice was sent to this group. The deadline for this group to file a claim, opt out, or object to the settlement is May 27, 2022. This deadline is only applicable to those who received a Second Notice and Claim Form mailed and/or emailed on March 28, 2022 that states the deadlines are May 27, 2022.

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  23. When will I receive my check?

    Checks were mailed via US Postal Service on August 25, 2022. Please allow at least two weeks for delivery.

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  24. How can I get a check reissued?

    To reissue your check, please send the reissue request along with your current mailing address to claims@StechertClassSettlement.com. Please include enough information to locate your claim, including the name under which the claim was filed, the phone number, email address, and mailing address used to file the claim, and your current address if it is different from the address you provided on your claim form.

    If you are unable to email your request, please send a letter with the requested information to the following address:

    Stechert v. The Travelers Home and Marine Ins. Co.
    P.O. Box 6546
    Portland, OR 97228-6546

    Reissues typically take place within 30 days of your request if the original check was returned to us.

    If the name on the check you received is incorrect or the class member who received the check is deceased, please email claims@StechertClassSettlement.com for further assistance.

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  25. If I Received a Check on behalf of a Deceased Individual How Can I have this Check Reissued?

    If you believe you are entitled to act on the decedent’s behalf, please provide a copy of the death certificate, a letter detailing who you are and your relationship to the decedent along with the check you received.

    Please also provide documentation which supports your right to act on behalf of the decedent or to accept funds on behalf of the estate. Acceptable documentation includes but is not limited to Probate Order, Last Will and Testament, an Order appointing you as the Administrator or Executor of the Estate and a Small Estate Affidavit.

    Please mail copies of these documents to:

    Stechert v. The Travelers Home and Marine Ins. Co.
    P.O. Box 6546
    Portland, OR 97228-6546

    You may also send copies of these documents by email to claims@StechertClassSettlement.com

    Please do not send original documentation. If your request is complete your check will be reissued as soon as possible.

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  26. Why did I receive a Non Class Member or Late Claim Letter instead of a check?

    If you received a letter regarding not being in the class, the definition of the class for purposes of making a valid Claim in this matter were set forth in the Settlement Agreement and in the Claim Form you submitted. You are not in the class and accordingly your claim must be denied.

    If you disagree, and have documentary evidence to support your disagreement, please contact the Settlement Administrator and/or Class Counsel and provide the reasons you disagree and the supporting documentary evidence, as soon as possible. Any appeal must be made through Class Counsel by September 19, 2022.

    If you received a letter regarding the late submission of your claim, the Settlement Agreement and the Class Notice you received provided that all Claims needed to be postmarked by March 25, 2022 or if you received a Second Notice and were part of the Settlement II Group, the deadline to file a claim was May 27, 2022. Your Claim Form was postmarked after the due date, and accordingly your Claim has been denied.

    If you disagree, and have documentary evidence to support your disagreement, please contact the Settlement Administrator and/or Class Counsel and provide the reasons you disagree, and the supporting documentary evidence, as soon as possible. Any appeal must be made through Class Counsel by September 19, 2022.

    You may contact the Settlement Administrator and/or Class Counsel as follows:

    Settlement Administrator Class Counsel
    Stechert v. The Travelers Home and Marine Ins. Co.
    P.O. Box 6546
    Portland, OR 97228-6546
     1-855-866-8960 (Toll-Free)
     claims@StechertClassSettlement.com
    Richard M. Ochroch, Esquire
    Richard M. Ochroch &
    Associates, P.C.
    318 S. 16th Street
    Philadelphia, PA 19102
     1-215-735-2707
     rochroch@Ochroch-Law.com

    Marc P. Weingarten, Esq.
    Locks Law Firm
     1-215-893-0100
     mweingarten@LocksLaw.com
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