A West Virginia couple is taking aim at Liberty Mutual and several technology vendors, accusing them of running a coordinated scheme to underpay insurance claims.
Edward Patrick Ryan Jr. and Tammy Lynn Ryan filed their lawsuit on January 7, 2026, in the US District Court for the Northern District of West Virginia. The case names not just Liberty Mutual Insurance Company and Liberty Insurance Corporation, but also CCC Intelligent Solutions Inc., Bodyshopbids Inc. (doing business as Snapsheet Inc.), Allcat Claims Service LP, Claim Assist Solutions, and Claim Assist Technologies LLC.
The dispute traces back to an April 2025 tornado that tore through Morgantown, damaging the couple's home and five vehicles. What followed, according to the lawsuit, was a claims process the Ryans say was rigged against them from the start.
At the heart of the case are allegations that Liberty Mutual farmed out critical claims work to third-party vendors whose entire business model revolves around shrinking payouts. The lawsuit points to Snapsheet, which handled virtual appraisals for the Ryans' vehicles, and cites marketing materials that allegedly promise carriers "15-20% Indemnity Savings" on average. The filing also claims Snapsheet trains its estimators to avoid mentioning poor photo quality in their assessments, effectively hiding the limitations of remote evaluations.
For total loss valuations, Liberty Mutual turned to CCC Intelligent Solutions. The lawsuit highlights language in CCC's reports stating they reflect the company's opinion "based on information provided to CCC by LIBERTY MUTUAL PERSONAL INSURANCE COMPANY" and that "no other person or entity is entitled to or should rely upon this Market Valuation Report." The Ryans argue this shows the valuations were never meant to be independent assessments.
Then there is Claim Assist, which allegedly operates an AI-driven claims platform serving six of the top ten property and casualty carriers in the country. The company runs a network of more than 2,000 employees and approximately 17,000 licensed independent contractors. According to the lawsuit, the platform uses a scoring system that rewards adjusters who close claims quickly and cheaply, creating built-in pressure to lowball policyholders.
The numbers tell the story. Liberty Mutual's initial estimate for the Ryans' home damage came in at $24,304.44. An independent public adjuster later pegged the replacement cost at $160,126.17. The personal property portion of the claim, valued at more than $11,000, was allegedly never even reviewed. On the auto side, payments after deductibles ran as low as $212.67 for a 2019 Cadillac Escalade.
The Ryans are pursuing claims for breach of contract, bad faith, violations of West Virginia's Unfair Trade Practices Act, civil conspiracy, fraud, unjust enrichment, and negligent misrepresentation. They are seeking compensatory and punitive damages, along with an order blocking the defendants from continuing these alleged practices.
The case remains pending before Judge Kleeh, with no determination yet made on the merits.
