People sent a Lemonade breach notice in April or June 2025 may qualify to claim a pro rata cash payment, or up to $10,000 in documented losses, from the $10.5 million data disclosure class action settlement. Claims closed September 8, 2026, and the court granted final approval on September 10, 2026.
What Is This Settlement About?
Lemonade, Inc. and Lemonade Insurance Agency, LLC have agreed to a $10,500,000 class action settlement over a data exposure involving Lemonade's online insurance quote platform. Between April 2023 and September 18, 2024, cybercriminals allegedly entered unauthorized information into the quote system and were able to obtain personal information — including driver's license numbers — belonging to approximately 190,000 people.The consolidated lawsuit, In re Lemonade, Inc. Data Disclosure Litigation, was brought in the U.S. District Court for the Southern District of New York. It asserts claims for negligence, violation of the Driver's Privacy Protection Act, and violation of New York General Business Law Section 349. Lemonade denies any wrongdoing and disputes liability, but agreed to settle to avoid the costs and risks of trial. The claim deadline was September 8, 2026, and the court granted final approval of the settlement on September 10, 2026.
This is the third Lemonade-related class action we have covered — it is separate from the now-closed $4.995M Lemonade life insurance privacy settlement, which involved health information shared during life insurance applications.
Who Qualifies?
The settlement class consists of all living U.S. residents whose personal information was compromised in the data exposure, including everyone who was sent a notice of the data exposure. Those notices were mailed in April 2025 and June 2025 and informed recipients that personal information such as their driver's license number was compromised.If you received one of those notices, you are a settlement class member. If you are not sure, you can check the official settlement website at lemonadedatadisclosuresettlement.com.
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How Much Can You Get?
Settlement class members may choose one or both cash benefits, and everyone automatically receives the monitoring benefit:• Documented Loss Payment: reimbursement of up to $10,000 for documented, unreimbursed losses incurred on or after April 1, 2023 that are more likely than not traceable to the data exposure. You must submit reasonable documentation — self-prepared documents such as handwritten receipts are not enough on their own. If a documented-loss claim is rejected and not cured, it is automatically converted to a cash fund claim.
• Cash Fund Payment: a pro rata cash payment from what remains of the $10.5 million fund after administration costs, fees, service awards, and the cost of the monitoring benefit and approved loss claims. The exact amount depends on how many valid claims are filed.
• Credit Monitoring and Insurance Services (automatic): every class member received a unique code in the postcard notice to activate three years of credit monitoring and insurance services, including three-bureau credit monitoring and up to $1 million in identity theft insurance. No claim form is needed for this benefit; enrollment was to open only after final approval, which the court granted on September 10, 2026.
How to File a Claim
The fastest way to file is online through the official settlement website. You can also download a claim form from the settlement website and mail it to the settlement administrator (Kroll Settlement Administration), or request a mailed paper claim form. You will generally need the information printed in your postcard notice, such as your Class Member ID, when filing.If you lost or never received your notice, or do not know your unique monitoring activation code, use the “Contact Us” form on the official settlement website to request that information. Submit your claim at lemonadedatadisclosuresettlement.com before the deadline.
Important Deadlines
The deadline to submit a claim was September 8, 2026 — online by 11:59 p.m. ET, or postmarked by that date for mailed forms. The deadline to opt out of, or object to, the settlement was August 7, 2026.What changed recently: on September 10, 2026, U.S. Magistrate Judge Katharine H. Parker of the Southern District of New York entered an order granting final approval of the settlement, granted class counsel's motion for attorneys' fees, costs and service awards, and entered judgment. No payment date had been announced on the official settlement website as of October 20, 2026.
Beware of Scams
Legitimate settlement administrators never ask you to pay a fee to file a claim or to receive a payment. File only through the official settlement website and never share more information than the claim form requires.If you have been affected by other data security incidents, you may have additional open claims — see our roundup of active data breach settlements.
Frequently Asked Questions
Who qualifies for the Lemonade data disclosure settlement?
You qualify if you are a U.S. resident whose personal information, such as a driver's license number, was compromised in the data exposure involving Lemonade's online insurance quote platform between April 2023 and September 18, 2024. The settlement class includes everyone who was sent a notice of the data exposure — those notices went out in April 2025 and June 2025 — and covers approximately 190,000 people.
How much can I get from the Lemonade settlement?
You can claim reimbursement of up to $10,000 for documented, unreimbursed losses incurred on or after April 1, 2023 that are more likely than not traceable to the data exposure, and/or a pro rata cash payment from the $10.5 million settlement fund. All settlement class members also automatically receive three years of credit monitoring and identity theft insurance services, including three-bureau credit monitoring and up to $1 million in identity theft insurance, with no claim form required for that benefit.
What is the claim deadline for the Lemonade data disclosure settlement?
Claims had to be submitted online by 11:59 p.m. ET on September 8, 2026, or mailed and postmarked by that date. The deadline to opt out of or object to the settlement was August 7, 2026. The U.S. District Court for the Southern District of New York granted final approval of the settlement on September 10, 2026.
Is proof required to file a claim?
No receipts are required for the pro rata cash payment, but the settlement was noticed by postcard with per-person codes, so you will generally need the information printed in your notice, such as your Class Member ID, to file. Reasonable documentation such as receipts, statements, or invoices is required to claim reimbursement of documented losses of up to $10,000. If you lost or never received your notice, use the contact form on the official settlement website to request your information.
Do I need to file a claim to get the credit monitoring?
No. All settlement class members automatically receive a unique code to activate three years of credit monitoring and insurance services. The code was provided in the postcard notice. Enrollment was to open only after the court granted final approval, which it did on September 10, 2026; activation instructions are to be posted on the official settlement website.
Official Settlement Notice
Sources
• Official Settlement Website: Lemonade Data Disclosure Settlement• Berger Montague — co-lead class counsel's settlement announcement
