State Farm class action lawsuit overview:
- Who: Plaintiff Craig Brewer filed a class action lawsuit against State Farm Mutual Automobile Insurance Co.
- Why: Brewer claims State Farm failed to pay the full and correct amount for vehicle total loss claims.
- Where: The class action lawsuit was filed in North Carolina federal court.
A new class action lawsuit alleges State Farm Mutual Automobile Insurance Co. failed to pay the full and correct amount for vehicle total loss claims.
Plaintiff Craig Brewer argues State Farm has a “systematic and uniform” practice of reducing the retail cost of comparable vehicles used in the calculation of total loss claim payments.
Brewer claims the practice violates North Carolina’s motor vehicle total loss regulation and results in State Farm avoiding paying the full and correct amount for vehicle total loss claims.
“When valuing vehicle total loss claims, it is improper for insurance companies to undervalue and underpay the claims by manipulating the data used to value the vehicles,” the State Farm class action lawsuit says.
State Farm used CCC One Reports to underpay total loss claims, class action alleges
Brewer wants to represent a class of North Carolina State Farm automobile policyholders who had their total loss claims calculated and paid by State Farm using a CCC One Report where the retail cost of comparable vehicles was reduced to arrive at a pre-accident value.
The plaintiff claims State Farm is guilty of breach of contract and violating North Carolina’s Unfair Trade Practices Act.
Brewer demands a jury trial and requests declaratory relief and an award of compensatory damages and other appropriate remedies for himself and all class members.
Earlier this year, a California federal judge certified a class of nearly 200,000 homeowners who allege State Farm underpaid property insurance claims in violation of state insurance codes. The class action lawsuit claims State Farm unlawfully deducted sales tax when calculating the actual cash value of homeowners’ personal property.
Have you ever had a total loss claim calculated by State Farm? Let us know in the comments.
The plaintiff is represented by Aaron C. Hemmings and Kelly A. Stevens of Hemmings & Stevens PLLC.
The State Farm class action lawsuit is Brewer v. State Farm Mutual Automobile Insurance Company, Case No. 1:25-cv-00904, in the U.S. District Court for the Middle District of North Carolina.
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December 15, 2025 | Legal News
330 thoughts onState Farm class action alleges insurer underpaid total loss claims
I also am dealing with this in Washington state. In the contract they are required to provide us with the means to buy a vehicle that is of the same year or newer, similar mileage, same body type, as well as any other features the vehicle has. Since there don’t seem to be any 2003 Toyota Highlanders in our area, we provided them with options that were 2004, 2005, 2006, and 2008 as examples of a more realistic cost to replace our vehicle with something comparable or better (again, as is specified in the contract). They responded that because the listings we sent were not the EXACT year our car was, they were not comparable. This flies directly in the face of the contract, which explicitly specifies that the car must be of the same year OR NEWER. So if there are no “comparable cars”, by their definition (exactly the same year), then by law they are required to provide us with the funds necessary to purchase the next best applicable vehicle. If there is a way to join this class action I would very much like to.
I have Sate Farm and have a totaled vehicle.
I have Sate Farm and have a totaled vehicle.. Who one of the dogs were on me
I had a 2018 Chevy cruse, got hit by a deer and was totaled,state farm only gave me 7,040,I was stuck with paying off 4,900.to the bank,I know my vehicle was worth alot more,but they wouldn’t pay.
I am in California. I have had an actually had a vehicle that was considered a total loss by State Farm. The process was rushed and I felt pressured to accept what they offered.
I’m in California and I’ve actually had a few vehicles they considered a total loss.
State Farm totaled my Jeep after someone rear-ended me. The damage was not extensive. I think they just didn’t want to pay the body shop’s labor charges and storage fees. State Farm reduced the value of all comparables in my area by $1533 for no apparent reason. They also required a high buy-back value.
the same thing happened to me. i was rear ended, state farm’s driver at fault. it would have been 7,000 to fix my car. i did my own search to see how much my car was worth in this area it was worth 8-10,000. state farm paid me 6,000 when i still owed 8,000. left me with no car and no money
I have had a total loss claim for both an automobile and for a house fire. Both losses occurred in Clarksville, TN.
I am seeking legal representation regarding serious issues with the way our vehicle claim has been handled by State Farm. The repair shop they directed our vehicle to produced an estimate that included charges for items that were not damaged and, in some cases, were never part of our vehicle. Despite our repeated objections, State Farm delayed the process and continued to push for a total loss designation.
During this process, representatives insinuated that I was being dishonest and refused to speak with me directly, stating they would only communicate with my husband—even though we are both named insureds on the policy. This has left us without a fair opportunity to dispute the valuation or obtain an independent estimate.
To make matters worse, after leaving the repair shop our vehicle now looks significantly worse than before. The shop discarded parts without discussing it with us, and when questioned, they responded dismissively, saying “what did you expect, State Farm totaled the car.” This has further prevented us from securing a fair second opinion and has compounded the damage to our vehicle.
Because of these actions, I filed a formal complaint with the state insurance department to protect our rights under the policy and ensure accountability. I would now like to know if your firm can represent us in pursuing this
Thank you,
Is this also for State Farm in Georgia?
Is this only for people in North Carolina?