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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399 thoughts onState Farm class action alleges insurer underpaid total loss claims
Accident on June 2026. Standing stationary on freeway and got rear ended by a State Farm insured driver. My 2018 Atlas got marked as total loss and pay-out offer was done on comps with cars with more than double my mileage. They have been stalling and denying for weeks now, and the adjusters have been on leave too. Each time you phone to get answers, their AI voice promptathon will waste even more of your time. Looking for a lawyer now.
A customer with statefarm for 2years. Full coverage with a $500 deductible. Had a accident on may5th 2026 in a vehicle that iam financing….for $21000. The vehicle has been at the repair shop waiting for statefarm to pay for the repairs. June 16th the claim adjuster advised me thst they totaled the vehicle out…iam without a vehicle and renting a vehicle due to statefarm insurance company refusing to pay.
Total loss 2020 Honda civic didn’t even get enough to pay off my vehicle
State Farm paid for my Mercedes that was stolen. I think I was underpaid.
A customer with statefarm for 2years. Full coverage with a $500 deductible. Had a accident on may5th 2026 in a vehicle that iam financing….for $21000. The vehicle has been at the repair shop waiting for statefarm to pay for the repairs. June 16th the claim adjuster advised me thst they totaled the vehicle out…iam without a vehicle and renting a vehicle due to statefarm insurance company refusing to pay.
I would like to join lawsuit
Currently fighting State Farm to get a fair settlement for my 2013 Mercedes that they are saying is a total loss. Vehicle had less than 24,000 miles and has been garaged kept since 2015 in near showroom condition. They want to pay me the value for a vehicle with over 100,000 miles.
State farm never paid for my claim they are so wrong taking people’s money and not paying for claim
Please add me to this suit. I totaled my 2015 Hellcat in 24. I thought they shorted me $5000 in the settlement I had to buy the car and resell to get the money it was worth
Total loss with State Farm on my 2016 Nissan Murano in February 2023
Had statefarm for several years ,
I had just paid off my car which I had to equip with an IID ignition interlock device to legally be driving .
I was at a stop light and got rear ended ! COVID was amid us and I was scared for my life to go to the hospital and never come back out. But we handled it civilian although the girl looked drunk and sounded drunk , the first thing she said is well you were stopped in the road and I said ya stopped at a red light!!!!! Anyways
The insurance company only paid me 4000 dollars and that didn’t even cover a new car or the court ordered IID system that I had to pay to have it taken out of the non operating car which was totaled , and also had to pay to have it reinstalled into a vehicle as soon as I was able to establish another car. It was impossible to find a used decent car for the price of 4000 dollars and equip it with the legal court modifications required. State farm took no consideration in my situation for the fact that I just paid off my vehicle and the court ordered modifications which enabled be to be legal on the road . Since then I’ve struggled to maintain the vehicle and the system required in any vehicle in order for me to drive. I called several times to speak with them about compensation with in months and they said call them back when I find a vehicle and they would reimburse me with receipts provided. And they never did they just told me that it was included in the 4000 dollars they gave me.
But my car was totaled and i had to pay expenses with the 4000 dollars they gave me even after my rental period for the lended vehicle through state farm was exhausted, they took the rental expenses from my overall settlement. So I was at a total loss
I reported a claim in 2024 to State Farm at without any notice or contact after I was asked which of their listed auto service locations I wanted my vehicle to be sent for the cost assessment. I chose a location and told them MANY times I wanted my vehicle repaired and please let me know when you finish the assessment. I wasn’t contacted for 2 weeks. I called them and was told they decided without my permission to total my vehicle and my vehicle was sent to a Auction yard in Knoxville somewhere and you could only get it if you had a dealers license to purchase vehicles with. My vehicle was stolen from me and put somewhere i couldn’t get it back if I wanted to. I was never informed about anything and had to accept a check i never wanted without any otion.