Ohio court rules Farmers Insurance appraisal clause kills total-loss class action

Several months later, Stewart filed a class-action complaint alleging that Farmers had breached its policies by using CCC Intelligent Solutions to apply an undisclosed “condition adjustment” when calculating payouts on total-loss vehicles. The adjustment, Stewart claimed, reduced payments by subtracting an arbitrary amount from the value of comparable vehicles used to determine what the insurer owed. He alleged this practice was never disclosed in the policy and amounted to breach of contract, unjust enrichment, and fraud.