Swiech v. Loya Insurance Company
Loya Insurance and its YAIC brand settled a lawsuit claiming they secretly reduced or denied uninsured/underinsured motorist (UIM) payouts by applying third-party insurance offsets they never disclosed. If you held a Loya or YAIC policy in New Mexico between 2010 and 2022, this settlement is for you.
Payment amount set by the settlement administrator
A cash payment from the settlement fund. The amount per claimant hasn't been publicly specified — it will depend on your individual situation and how many valid claims are filed.
Official site: loyauimsettlement.com
Pending final court approval: you can file a claim now, but payments begin only after the court grants final approval (and any appeals conclude). Final approval is not guaranteed.
Who may qualify
You qualify if you were a Loya Insurance or YAIC policyholder who lived in New Mexico and carried UM/UIM coverage at any point from October 1, 2010 through February 28, 2022 — especially if a UIM claim you filed was reduced or outright denied because the insurer applied a third-party offset without telling you.
Official eligibility wording
Current or former YAIC or Loya Insurance policyholders who resided in New Mexico and purchased UM/UIM coverage between October 1, 2010 and February 28, 2022, including those who filed UIM claims with benefits reduced or denied due to undisclosed third-party insurance offsets.
This summary is based on available official settlement sources. The settlement administrator determines eligibility and payment approval.
New to the terms? Plain-English: claim deadline, proof of purchase, administrator, pro rata.
Important dates
- Claim deadline
- March 12, 2026 (closed)
- Exclusion deadline
- January 26, 2026 (passed)
- Objection deadline
- January 26, 2026 (passed)
Proof requirements
Proof requirement is currently marked as Yes.
Review the official claim form before submitting any information.
What you need
Proof is required. You'll need to show your New Mexico policyholder status and, if you filed a UIM claim, documentation that your benefits were reduced or denied due to an undisclosed offset. Submit everything through the official claims portal.
How to file this claim
- Check whether you filed a claim before March 12, 2026 — the portal (loyauimsettlement.com) now shows the claim form is closed.
- If you filed, keep your Unique ID and PIN from the settlement notice — you may need them to track your payment status.
- Contact the administrator directly at 877-708-7677 or write to Swiech and Apodaca v. Loya Settlement Administrator, P.O. Box 2078, Portland, OR 97208-2078 if you have questions about a claim you already submitted.
- Watch for payment after the final approval hearing — distributions take additional time after that date.
Documents you'll need
Watch out for
- The claim deadline of March 12, 2026 has passed and the online portal is closed — new claims cannot be submitted.
- This settlement covers two separate benefit tracks: UIM claim readjustments (up to $800,000 total pool for adjustments) and partial premium refunds — make sure you requested the right one(s) when you filed.
- Only New Mexico residents who held YAIC or Loya UM/UIM policies between October 1, 2010, and February 28, 2022 qualify — out-of-state policyholders are excluded.
- Do not trust any site other than loyauimsettlement.com or the administrator phone number above — scam look-alike sites are common after settlements are announced.
We prepare — you file on the official site yourself. This is not legal advice and is not an eligibility decision; the administrator and court decide.
How do I file a claim for this settlement?
This record no longer has an open public claim form — confirm the current status and any next steps on the official source.
- Confirm you are within the eligible group described in the official notice — the settlement administrator determines eligibility.
- Gather any documents the official form asks for — this settlement marks proof as Yes.
- Open the official claim form or settlement website run by Epiq Global (Swiech and Apodaca v. Loya Settlement Administrator).
- Submit accurate information through the official settlement administrator or government source before March 12, 2026.
- Save your confirmation number if one is provided, then watch the payment status for distribution updates.
New to settlement claims? How to file safely →
Worried it might be fake? Run the 60-second legitimacy check →
How we verified this record
- Claim deadline the official settlement website · Jun 17, 2026
- Eligibility the official settlement website · Jun 17, 2026
- Proof requirement the official settlement website · Jun 17, 2026
- Administrator the official settlement website · Jun 17, 2026
- Official claim link the official settlement website · Jun 17, 2026
- Court case the official settlement website · Jun 17, 2026
- Payment status the official settlement website · Jun 17, 2026
- Payout details queued for re-check
Every published record clears our source-verification bar; remaining fields are checked one by one on our weekly re-verification pass.
Checked fields are matched against a named official source and re-checked on a schedule. We show the authority and the date, never our internal evidence link.
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Claim deadline
March 12, 2026
Verified Jun 17, 2026 · against the official settlement website
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Eligibility summary
Current or former YAIC or Loya Insurance policyholders who resided in New Mexico and purchased UM/UIM coverage between October 1, 2010 and February 28, 2022, including those who filed UIM claims with benefits reduced or denied due to undisclosed third-party insurance offsets.
Verified Jun 17, 2026 · against the official settlement website
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Proof requirement
Yes
Verified Jun 17, 2026 · against the official settlement website
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Payment status
Final approval pending
Verified Jun 17, 2026 · against the official settlement website
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Administrator
Epiq Global (Swiech and Apodaca v. Loya Settlement Administrator)
Verified Jun 17, 2026 · against the official settlement website
Administrator: Swiech and Apodaca v. Loya Settlement Administrator, P.O. Box 2078, Portland, OR 97208-2078, Phone: 877-708-7677. Administrator is Epiq Global.
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Court
U.S. District Court for the District of New Mexico
Verified Jun 17, 2026 · against the official settlement website
Show all 7 more verified fields
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Official claim URL
loyauimsettlement.com
Verified Jun 17, 2026 · against the official settlement website
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Objection deadline
January 26, 2026
Verified Jun 17, 2026 · against the official settlement website
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Opt-out deadline
January 26, 2026
Verified Jun 17, 2026 · against the official settlement website
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Class period start
October 1, 2010
Verified Jun 17, 2026 · against the official settlement website
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Class period end
February 28, 2022
Verified Jun 17, 2026 · against the official settlement website
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Court case number
25-cv-00047-KK-JMR
Verified Jun 17, 2026 · against the official settlement website
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Case name
Thomas Swiech v. Loya Insurance Company (consolidated with Apodaca v. Young America Insurance Co.)
Verified Jun 17, 2026 · against the official settlement website
Common questions
Is the Swiech v. Loya Insurance Company settlement legitimate?
Yes — the Swiech v. Loya Insurance Company settlement is a real claims process that SettleSignal tracks from its official source. It is administered by Epiq Global (Swiech and Apodaca v. Loya Settlement Administrator) under case 25-cv-00047-KK-JMR in U.S. District Court for the District of New Mexico. File only through the official settlement website (loyauimsettlement.com); a genuine settlement administrator never charges a fee to file. SettleSignal last checked this record against the official source on June 17, 2026. Always confirm the current details on the official site before filing.
Who may qualify for this settlement?
Current or former YAIC or Loya Insurance policyholders who resided in New Mexico and purchased UM/UIM coverage between October 1, 2010 and February 28, 2022, including those who filed UIM claims with benefits reduced or denied due to undisclosed third-party insurance offsets.
What is the claim deadline?
The claim deadline is March 12, 2026. Confirm the current deadline on the official settlement source before filing.
Do I need proof to claim?
Proof requirement: Yes. The settlement administrator determines what documentation, if any, is required.
What is the current payment status?
Current payment status: Final approval pending. Payments are issued by the administrator after the court process concludes.
When will Swiech v. Loya Insurance Company pay out?
Current payment status: Final approval pending. Class-action payouts typically begin only after final approval and any appeals. See our payout timeline guide.
Where is the official Swiech v. Loya Insurance Company claim form?
The official claim form is hosted by the settlement administrator, Epiq Global (Swiech and Apodaca v. Loya Settlement Administrator). Use the 'Open official claim form' button on this page — never pay a fee to file.
Who is covered by this settlement?
Current and former Loya Insurance or YAIC policyholders who lived in New Mexico and had UM/UIM coverage between October 1, 2010 and February 28, 2022 — particularly anyone whose UIM claim was reduced or denied because of an undisclosed third-party insurance offset.
What was Loya accused of doing wrong?
The lawsuit alleged that Loya and YAIC applied offsets from third-party insurance policies to reduce or deny UIM benefits without telling policyholders — something New Mexico law requires them to disclose upfront.
What do I need to file a claim?
Proof is required. Gather documents showing your policy and, if you filed a UIM claim, records showing how your benefits were calculated or cut. File through the official portal at loyauimsettlement.com.
When was the claim deadline?
The claim deadline was March 12, 2026. If you missed it, check the settlement website directly to see whether any late-filing provisions apply.
Where to act
When you are ready, you open the official claim form yourself. SettleSignal does not file claims or determine eligibility.
The claim deadline (Mar 12, 2026) has passed — this settlement is closed to new claims. Listed for reference.
Listed on the official settlement website (Epiq Global (Swiech and Apodaca v. Loya Settlement Administrator)).
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Disclaimer
This service summarizes publicly available settlement information and links to official settlement sources. We are not a law firm, do not provide legal advice, do not submit claims on your behalf, and do not determine eligibility or payout approval. Only file a claim if the information you provide is accurate.
Change log
- June 18, 2026 — Settlement published after verification.
- June 17, 2026 — Verified field details updated from an official source.