Cobos

FACTS

I.

THE COMPLAINT

Plaintiffs initiated the underlying class action in 2019. The fourth amended complaint alleged plaintiffs were insured under automobile insurance policies issued or underwritten by defendants. After auto accidents, defendants retroactively denied plaintiffs’ insurance claims, rescinded their policies, and returned paid premiums based on plaintiffs’ failure to disclose members of their household. The insureds were “typically high risk, unsophisticated consumers.” Based on these allegations, the complaint asserted 79 causes of action, which included class action claims for insurance bad faith, unfair business practices, and breach of contract.

II.

PLAINTIFFS’ MOTION FOR CLASS CERTIFICATION

In 2022, plaintiffs filed a motion seeking certification of the following class: “[A]ll individuals who satisfy the following criteria: (1) the individual was a named insured on a California automobile insurance policy that was underwritten by [Integon]; (2) the individual or another named insured on that individual’s insurance policy was involved in an automobile accident while driving an insured vehicle; (3) a post-accident claim was made under the policy for losses…