$15.5M State Farm Arkansas total loss claims class action settlement

State Farm agreed to a $15.5 million class action settlement to resolve claims it undervalued vehicles in total loss claims.

The State Farm settlement benefits Arkansas residents who made a first-party claim on a State Farm policy between Nov. 29, 2016, and Oct. 18, 2021, and whose vehicles were determined to be total losses and whose claim payments were based on an Audatex report that included a typical negotiation adjustment.

According to the class action lawsuit, State Farm undervalued vehicles in loss claims by applying “typical negotiation adjustments” to valuation reports. These adjustments allegedly caused Arkansas policyholders to receive less than the actual cash value of their vehicles.

State Farm is an insurance company that offers auto, home, life and other types of insurance to consumers.

State Farm has not admitted any wrongdoing but agreed to a $15.5 million settlement to resolve the insurance class action lawsuit.

Under the terms of the State Farm settlement, class members can receive a cash payment based on the total amount they were underpaid on total loss claims. According to the settlement website, payments will be 68% of the total negotiation adjustment amount. Exact payments will vary depending on the number of claims filed with the class action settlement, but the average payment is estimated to be $489.

The deadline for objection is June 15, 2026, and the deadline for exclusion is June 25, 2026.

The final approval hearing for the settlement is scheduled for July 15, 2026.

To receive class action settlement benefits, class members must submit a valid claim form by Aug. 19, 2026.

Who’s Eligible

Who’s Eligible

The class action settlement benefits Arkansas residents who made a first-party claim on a State Farm policy for a vehicle the insurer determined was a total loss between Nov. 29, 2016, and Oct. 18, 2021, and whose claim payment was based on a report from Audatex that included a typical negotiation adjustment applied to at least one comparable vehicle.

Potential Award

An estimated $489

Proof of Purchase

State Farm policy number and/or total loss claim information

Claim Form

NOTE: If you do not qualify for this settlement do NOT file a claim.

Remember: you are submitting your claim under penalty of perjury. You are also harming other eligible Class Members by submitting a fraudulent claim. If you’re unsure if you qualify, please read the FAQ section of the Settlement Administrator’s website to ensure you meet all standards (Top Class Actions is not a Settlement Administrator). If you don’t qualify for this settlement, check out our database of other open class action settlements you may be eligible for.

Claim Form Deadline

08/19/2026

Case Name

Chadwick v. State Farm Mutual Automobile Insurance Co., Case No. 4:21-cv-01161-DPM, in the U.S. District Court for the Eastern District of Arkansas

Final Hearing

07/15/2026

Settlement Website

StateFarmARTotalLossLitigation.com

Claims Administrator

Chadwick v. State Farm Mutual Auto. Ins. Co.
Settlement Administrator – 9148
P.O. Box 2798
Faribault, MN 55021-9798
866-255-6602

Class Counsel

Hank Bates
Lee Lowther
Tiffany W. Oldham
CARNEY BATES & PULLIAM PLLC

Edmund A. Normand
NORMAND PLLC

James L. Kauffman
Brian A. Glasser
Allison Bruff
David L. Selby
BAILEY & GLASSER LLP

Jacob L. Phillips
Joshua R. Jacobson
JACOBSON PHILLIPS PLLC

Defense Counsel

Eric L. Robertson
Peter W. Herzog III
WHEELER TRIGG O’DONNELL LLP