No. 22-30351.

83 F.4th 414 (2023)

Arthur SAMPSON, Jr.; Lovely M. Feagins, Plaintiffs-Appellees, v. UNITED SERVICES AUTOMOBILE ASSOCIATION; USAA General Indemnity Company, Defendants-Appellants.

United States Court of Appeals, Fifth Circuit.

FILED October 6, 2023.

Attorney(s) appearing for the Case

Stephen B. Murray, Jr. (argued), Murray Law Firm, New Orleans, LA, Kenneth W. Dejean , Kenneth W. Dejean , Lafayette, LA, Kenneth David St. Pe' , Lafayette, LA, John Randall Whaley , Dampf Thames, L.L.C., Baton Rouge, LA, for Plaintiffs-Appellees.

Rodger L. Eckelberry , Mathew G. Drocton , Kevin P. Zimmermanm (argued), Baker & Hostetler, L.L.P., Columbus, OH, Christopher Paul Ieyoub , Plauche, Smith & Nieset, L.L.C., Lake Charles, LA, for Defendants-Appellants.

Gregory George Garre , Latham & Watkins, L.L.P., Washington, DC, for Amicus Curiae.

Before Barksdale, Southwick, and Higginson, Circuit Judges.

Defendants-appellants United Services Automobile Association and USAA General Indemnity Company ("USAA") contract with insureds to pay "Actual Cash Value" ("ACV") for totaled vehicles. USAA calculates ACV using the CCC One Market Valuation Report ("CCC") rather than, e.g., the National Automobile Dealers Association...

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