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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380 thoughts onState Farm class action alleges insurer underpaid total loss claims
Yes I received a total loss payment for a car by ensure which is apart of State Farm
Last Dec.12, 2025 I was at The Mercy hospital Pharmacy. I came out and had driven a 1/4 mile and saw a piece of paper under my wipers and pulled over. The note said I’m sorry I ran into the back of your van I have insurance-with her name and number. I went around my van and saw she definitely hit the back and immediately called my daughter who asked if it was drive able and told her I thought so and went directly to my mechanic in Sharon and then to my daughters. I called the woman who wanted to pay for it herself until she heard what it might cost. Her foot slipped off the brakes and on to the gas at a close distance costing a great deal. I was then told by her insurance State Farm that I HAD to take my vehicle to their mechanic and even though they gave me a rental for 4 days (yes when the estimate came back I was given 24 hours to return the rental after putting $25.00 in the tank which was more than what I had when I got it). I was then told that my van was considered a total loss. I said I just drove it home- I have no other vehicle and needed it to get to my doctor appointments. After that I didn’t hear anything until they told me they had paid $2440 to One Main toward my lien. I had no idea what they were talking about until I received an email to check the completed settlement. They only paid One Main. I cannot get another vehicle even though I was not at fault and the State Farm person left the scene even after leaving the scene causing more than $5,000 in damage.
State Farm totaled my 2017 Nissan Rogue in 2017, after I was hit in a rear collision.