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SINGLETON v. ELEPHANT INS. CO.

No. 19-50470.

953 F.3d 334 (2020)

Jessica SINGLETON, individually and on behalf of all others similarly situated; Tony Cooper, individually and on behalf of all others similarly situated, Plaintiffs-Appellants v. ELEPHANT INSURANCE COMPANY, a foreign insurance company, Defendant-Appellee.

United States Court of Appeals, Fifth Circuit.

Filed March 18, 2020.

Attorney(s) appearing for the Case

Richard David Daly, Esq. , Daly & Black, P.C., Houston, TX, Edmund A. Normand, Esq. , Attorney, Jacob Phillips , Attorney, Normand, P.L.L.C., Orlando, FL, Christopher J. Lynch , Attorney, Hunter & Lynch, Miami, FL, for Plaintiffs-Appellants.

Roger D. Higgins , Gino J. Rossini , Elizabeth Lee Thompson , Thompson, Coe, Cousins & Irons, L.L.P., Dallas, TX, for Defendant-Appellee.

Before KING, COSTA, and HO, Circuit Judges.

When an insured automobile is so damaged that it would cost more to repair than to replace, it is usually deemed a total loss. The insurance company then reimburses the policyholder for the value of the vehicle, with the expectation that the policyholder will probably use this money to purchase a replacement. Of course, purchasing and registering...

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