SCHIFF v. LIBERTY MUTUAL FIRE INS. COMPANY

No. 101576-3.

542 P.3d 1002 (2024)

Stan SCHIFF, MD, PhD, on behalf of himself and a class of similarly situated providers, Respondent, v. LIBERTY MUTUAL FIRE INSURANCE COMPANY and Liberty Mutual Insurance Company, foreign insurance companies, Petitioners.

Supreme Court of Washington, En Banc.

Filed February 15, 2024.


Attorney(s) appearing for the Case

Philip Albert Talmadge , Talmadge/Fitzpatrick, 2775 Harbor Ave. Sw, Third Floor Ste. C, Seattle, WA, 98126-2138, Marc Fuller , Vinson and Elkins, 2001 Ross Ave., Ste. 3700, Dallas, TX, 75201-2975, Sarah Eversole , Wilson Smith Cochran Dickerson, 1000 Second Avenue, Suite 2050, Seattle, WA, 98104-3629, for Petitioners.

David Elliot Breskin , Cynthia J. Heidelberg , Breskin Johnson & Townsend PLLC, 1000 2nd Ave. Ste. 3670, Seattle, WA, 98104-1053, for Respondent.

Molly A. Terwilliger, Andrew Steven Decarlow, Morgan, Lewis & Bockius LLP, 1301 2nd Ave. Ste. 3000, Seattle, WA, 98101-3800, for Amicus Curiae on behalf of Mitchell International, Inc.

Linda Blohm Clapham, Isaac Chandler Prevost, Christina M. Shin, Michael Barr King, Carney Badley Spellman, PS, 701 5th Ave. Ste. 3600, Seattle, WA, 98104-7010, for Amicus Curiae on behalf of American Property Casualty Insurance Association.

John Stanley Conniff, Attorney at Law, 3801 N. 27th St., Tacoma, WA, 98407-5812, for Amicus Curiae on behalf of Washington State Chiropractic Association.

Blythe H. Chandler, Terrell Marshall Law Group PLLC, 936 N. 34th St. Ste. 300, Seattle, WA, 98103-8869, for Amicus Curiae on behalf of Northwest Consumer Law Center.

Molly A. Terwilliger, Andrew Steven Decarlow, Morgan, Lewis & Bockius LLP, 1301 2nd Ave. Ste. 3000, Seattle, WA, 98101-3800, for Amicus Curiae on behalf of Mitchell International, Inc.

John Matthew Geyman, Benjamin Brysacz, Wash. Attorney General's Office, 800 Fifth Ave. Ste. 2000, Seattle, WA, 98104-3188, Michael Bradley, Wash. Attorney General's Office, P. O. Box 40124, 7141 Cleanwater Dr. Sw, Olympia, WA, 98504-0124, for Amicus Curiae on behalf of Attorney General for the State of Washington.

Anthony Todaro, Joseph Daniel Davison, DLA Piper LLP (US), 701 5th Ave. Ste. 6900, Seattle, WA, 98104-7029, for Amicus Curiae on behalf of Chamber of Commerce of the USA.

Justo Gonzalez, Bradford J. Axel, Valerie Ann Walker, Stokes Lawrence PS, 1420 5th Ave. Ste. 3000, Seattle, WA, 98101-2393, Siobhan Moran, Moran Karamouzis LLP, 265 Sunrise Highway, Suite 61, Rockville Centre, NY, 11570, for Amicus Curiae on behalf of Fair Health, Inc.

Daniel Edward Huntington, Richter-Wimberley PS, 422 W. Riverside Ave. Ste. 1300, Spokane, WA, 99201-0305, Valerie Davis McOmie, Attorney at Law, 4549 Nw Aspen St., Camas, WA, 98607-8302, for Amicus Curiae on behalf of Washington State Association for Justice Foundation.


¶1 This case looks at what an insurer must do to meet the "reasonable investigation" requirement and the requirement to pay "all reasonable and necessary" medical expenses under the personal injury protection (PIP) statutes, ch. 48.22 RCW; accompanying regulations; and the Washington Consumer Protection Act (CPA), ch. 19.86 RCW...

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