Lemonade Settlement: Claim Window Closed, Hearing Sept 10, 2026

At a glance

Status

Pending final approval

Defendant

Lemonade, Inc.

Settlement fund

$10,500,000

Claim deadline

September 8, 2026

No-proof cash option

Yes — pro-rata cash payment from net fund, or up to $10,000 documented losses; plus credit monitoring/CMIS (auto benefit)

Max documented payout

$10,000

Administrator

Kroll Settlement Administration LLC

Official site

lemonadedatadisclosuresettlement.com

Court

In re Lemonade, Inc. Data Disclosure Litigation, U.S. District Court, Southern District of New York

Case number

1:25-cv-04106-JHR-KHP

Last verified September 9, 2026

Key dates

Milestone	Date	What it means
Claim deadline	September 8, 2026(passed)	Last day to file for a payment
Opt-out (exclusion) deadline	August 7, 2026(passed)	Last day to leave the settlement and keep the right to sue
Objection deadline	August 7, 2026(passed)	Last day to object to the terms
Final approval hearing	September 10, 2026(passed)	When the judge decides whether to approve the settlement
Expected payout	Not yet scheduled	Payments are not sent until after final approval and any appeals

Where to file

Lemonade Insurance Data Breach Settlement is administered by Kroll Settlement Administration LLC. The only place to file is the official settlement website:

Verify on the official site

lemonadedatadisclosuresettlement.com

Filing is free. No legitimate settlement charges a fee to file a claim.

You cannot file on RecordingLaw.com. We are an independent publisher, not the settlement administrator, and we are not affiliated with any court, agency, or defendant.

Lemonade, Inc. is a technology-driven insurance company that sells renters, homeowners, pet, and car insurance policies online. The case now before the court, In re Lemonade, Inc. Data Disclosure Litigation, centers on a data exposure tied to the company's online insurance quote platform.

The claim window for the Lemonade, Inc. Data Disclosure Settlement closed on September 8, 2026. As of September 9, 2026 the settlement is awaiting the court's final approval decision, with a final approval hearing set for September 10, 2026.

What happened

According to the settlement record, driver's license numbers belonging to Lemonade customers were transmitted without encryption between April 2023 and September 2024. The exposure is tied to the company's online insurance quote system. The class affected is estimated at roughly 190,000 people.

If you received a notice letter from Lemonade about this incident, you are very likely covered by the settlement described below. If you are reading this because you saw a headline and are not sure whether your information was involved, the settlement administrator, not this article, is the place to confirm your status.

Where the settlement stands right now

The case is pending as In re Lemonade, Inc. Data Disclosure Litigation, Case No. 1:25-cv-04106-JHR-KHP, in the U.S. District Court for the Southern District of New York. A final approval hearing is scheduled for September 10, 2026.

As of September 9, 2026, that claim deadline of September 8, 2026 has passed, so the administrator is no longer accepting new claim forms, and the settlement has not yet received final court approval. If you filed before the deadline, your claim is in the queue and the official settlement site is where to check its status.

The deadline to exclude yourself from the class, also called opting out, or to object to the settlement, was August 7, 2026, and it has passed. Opting out means leaving the class entirely: you keep the right to sue Lemonade on your own over this incident, but you give up any right to a payment from this fund. Objecting means staying in the class while telling the court you think some part of the settlement is unfair. Those are different choices, and you can only make one of them.

Who's in the class

The settlement class covers everyone whose driver's license number may have been involved in the data exposure connected to Lemonade's online insurance quote platform, between April 2023 and September 2024, an estimated 190,000 people. Getting a notice letter from Lemonade is one way to know you're covered, but it is not the eligibility test itself; the class is defined by whose information was exposed, not by who Lemonade successfully reached with a notice.

If you got a notice letter, you're very likely in the class. If you think your driver's license number may have been involved but you did not receive a notice, contact the settlement administrator, Kroll Settlement Administration, through the official settlement website rather than assuming you're excluded.

How much you might actually get

The settlement gives eligible class members two ways to be compensated, and class members may receive one or both, plus a monitoring benefit that comes automatically no matter which cash option applies. First, you can receive a pro-rata cash payment drawn from the $10,500,000 common settlement fund, without submitting proof of a specific loss. Second, if you had documented, out-of-pocket losses you can tie directly to this incident, you can also claim reimbursement for those losses, up to $10,000 per person. You are not limited to one or the other; if both apply to you, you can claim both.

The pro-rata cash payment is not a fixed amount. It's drawn from the shared $10,500,000 fund, so what any one person actually receives depends on how many people file valid claims and what the court ultimately approves for fees, costs, and any service awards. Pro rata means the fund gets split across everyone who files, so the more people who claim, the smaller each share tends to be. The documented-loss reimbursement is capped at $10,000 per person, but reaching that cap isn't guaranteed either; it depends on your documented losses and the fund available. Do not assume either payment will be large.

Beyond the cash options, every class member is automatically covered by Credit Monitoring and Insurance Services, known as CMIS, at no cost. This benefit is separate from whichever cash option you pick, and it does not require documented losses. The one catch is timing: enrollment and activation of CMIS do not open until after the court grants final approval of the settlement at the September 10, 2026 hearing. If you check today and monitoring isn't available yet, that's expected, not a sign anything is wrong.

What proof you need

You can claim the pro-rata cash payment, the documented-loss reimbursement, or both on the same claim form, depending on what applies to you.

For the pro-rata cash payment, you do not need to submit documentation of a specific loss. Eligibility and a timely, valid claim form are what matter.

For the documented-loss path, you'll need records connecting your loss to this incident, such as bank or credit card statements, receipts, or a written explanation of what happened and when. The stronger your paper trail, the stronger that claim.

How to file

Filing was free, and it only ever happened on the official settlement website, lemonadedatadisclosuresettlement.com. Kroll Settlement Administration, not Lemonade and not RecordingLaw, reviews and processes claims.

The deadline to submit a claim, online or by mail, was September 8, 2026, and it has passed. If you filed on time, lemonadedatadisclosuresettlement.com is where to check the status of your claim. No legitimate part of this process will ever ask you to pay a fee up front to receive money you are owed.

A scam risk specific to this settlement

Because the underlying incident involved driver's license numbers, watch for phishing that uses that specific detail against you. A message asking you to "confirm" or "re-verify" your driver's license number, Social Security number, or bank account details by phone, text, or email so it can "process your Lemonade settlement claim" is not how the real process works. Kroll Settlement Administration handles claims through the official settlement site and has no reason to ask you to re-send the exact information this incident already exposed.

Protect yourself first

A credit freeze is free, and it's the single most effective step you can take regardless of what a settlement payment ends up being worth. Freeze your credit file at all three major bureaus: Equifax, Experian, and TransUnion. It costs nothing to place or lift, at any of them, at any time.

After that, if you notice signs your driver's license number or other information is being misused, such as unfamiliar accounts or unexpected mail, use IdentityTheft.gov, the FTC's official recovery site, for a free, personalized recovery plan. For a step-by-step walkthrough of freezing your credit at each bureau, see RecordingLaw's guide to freezing your credit after a data breach.

If this isn't the breach you're looking for

Lemonade is one of many companies with a settlement moving through the courts right now. If you're trying to match a notice letter or a headline to the right claim, RecordingLaw's data breach settlement tracker lists other currently open claims and their deadlines.