Lemonade Data Breach Settlement: Claim Deadline Sept. 8
At a glance
- Status
- Open
- 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 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, No. 1:25-cv-04106-JHR-KHP
Last verified July 16, 2026
Key dates
| Milestone | Date | What it means |
|---|---|---|
| Claim deadline | September 8, 2026 | Last day to file for a payment |
| Opt-out (exclusion) deadline | August 7, 2026 | Last day to leave the settlement and keep the right to sue |
| Objection deadline | None listed | Last day to object to the terms |
| Final approval hearing | September 10, 2026 | 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:
File at the official sitelemonadedatadisclosuresettlement.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.
As of July 2026, the claim window for the Lemonade, Inc. Data Disclosure Settlement is open. The deadline to file a claim is September 8, 2026. If Lemonade sent you a notice about this incident, that date is the one to act on.
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 this page's last verification in July 2026, the claim deadline of September 8, 2026, falls before that hearing date, so the claim window is open right now even though the settlement has not yet received final court approval. Filing before the deadline protects your place in line regardless of when the court ultimately rules.
The deadline to exclude yourself from the class, also called opting out, or to object to the settlement, is August 7, 2026. 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 is free, and it happens only on the official settlement website, lemonadedatadisclosuresettlement.com. Kroll Settlement Administration, not Lemonade and not RecordingLaw, reviews and processes claims.
Decide which benefits fit your situation, the pro-rata cash payment, the documented-loss reimbursement, or both, then submit your claim online or by mail before the September 8, 2026 deadline. 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 an open settlement 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.
Frequently Asked Questions
Is the Lemonade data breach settlement still open?
Yes. As of July 2026, the claim window for the Lemonade, Inc. Data Disclosure Settlement is open, and the deadline to file a claim is September 8, 2026.
What happened in the Lemonade data breach?
According to the settlement record, driver's license numbers belonging to Lemonade customers were transmitted without encryption between April 2023 and September 2024, in an incident tied to the company's online insurance quote platform.
Am I eligible for the Lemonade data breach settlement?
You may be eligible if your driver's license number was involved in the data exposure described in the settlement, which affected an estimated 190,000 people. Receiving a notice letter from Lemonade is one way to know you're covered, but it isn't the only way; if you did not get a notice but believe your information may have been involved, contact the settlement administrator through the official site rather than assuming you're excluded.
How much money will I get from the Lemonade settlement?
It depends on which benefits apply to you and how many valid claims are filed. You can receive a pro-rata cash payment from the $10,500,000 settlement fund, documented-loss reimbursement of up to $10,000 if you have losses tied to the incident, or both. Neither amount is fixed: the pro-rata payment is an estimate that adjusts based on how many people file, and the documented-loss reimbursement depends on your records, up to the $10,000 cap. Neither is a guarantee.
Do I need proof to file a claim?
No, not for the pro-rata cash payment. You only need documentation, such as bank statements or receipts, if you are claiming reimbursement for documented out-of-pocket losses connected to the incident.
What is CMIS, and do I need to sign up separately?
CMIS stands for Credit Monitoring and Insurance Services, a benefit the Lemonade settlement gives automatically to class members at no cost. As of July 2026, enrollment and activation do not open until after the court grants final approval at the September 10, 2026 hearing.
What is the difference between opting out and objecting?
Opting out, or excluding yourself, means leaving the settlement class, keeping your right to sue Lemonade separately, and giving up any payment from this fund. Objecting means staying in the class while telling the court you think the settlement is unfair. Both deadlines fall on August 7, 2026.
When will Lemonade settlement payments be sent?
As of July 2026, no payout date has been set. The court has scheduled a final approval hearing for September 10, 2026, and payments typically follow only after the court approves the settlement and any appeal period passes.
What should I do to protect myself besides filing a claim?
Place a free credit freeze at Equifax, Experian, and TransUnion, since an exposed driver's license number can be used to open new accounts in your name. Watch your financial statements and use IdentityTheft.gov if you notice signs of misuse.
How to tell a settlement notice is real
Check the case name, case number, and court against the official settlement site. Go to that site directly instead of clicking a link in an email or text. Nobody legitimate will call, text, or email out of the blue asking for your Social Security number, bank account, or card details, and nobody will charge you to file. Report anyone who does at ReportFraud.ftc.gov.
Informational only. Not legal, tax, or financial advice, and not affiliated with any settlement.
RecordingLaw.com is an independent legal-information publisher. We are not a law firm, not a settlement administrator, and not affiliated with, endorsed by, or acting on behalf of any court, government agency, defendant, or claims administrator described on this page. Reading this page does not create an attorney-client relationship.
We do not process claims and we never collect your claim information. You cannot file a claim on RecordingLaw.com. To file, opt out, object, or check your status, use only the official settlement administrator identified above. We link to it for your convenience.
Filing a legitimate claim is free. No legitimate settlement or administrator will charge you a fee to file, or ask for your Social Security number, bank, or card details by unsolicited call, text, or email. If someone does, it is likely a scam. Report it at ReportFraud.ftc.gov.
Deadlines, amounts, and approval status change and are set by the court. We verify against the official administrator and court records, but confirm the current details on the official site before acting. Nothing here guarantees eligibility, a payment, or any amount. Settlement payments may be taxable. See IRS Publication 4345. and consult a tax professional. For advice about your specific situation, consult a licensed attorney in your state. Affiliate disclosure.
Sources and References
- U.S. District Court, Southern District of New York, official court website(nysd.uscourts.gov).gov
- IdentityTheft.gov, free identity theft recovery plans (Federal Trade Commission)(identitytheft.gov).gov
- Credit Freezes and Fraud Alerts, Consumer Advice (Federal Trade Commission)(consumer.ftc.gov).gov
- In re Lemonade, Inc. Data Disclosure Litigation, Official Settlement Website (Kroll Settlement Administration)(lemonadedatadisclosuresettlement.com)
- Lemonade Data Disclosure Settlement, Frequently Asked Questions (official)(lemonadedatadisclosuresettlement.com)