Class Action Lawsuit State Farm: Open Claims, Closed Deals, and Pending Cases

Yes, one class action lawsuit State Farm auto policyholders can still claim from is open as of October 31, 2026, and it only covers Washington. Drivers paid under underinsured motorist property damage (UMPD) coverage have until December 14, 2026 to claim an estimated $625 from a settlement of up to $8.82 million. The Louisiana total loss fee deal stopped taking claims on October 19. The homeowner disputes, including the Los Angeles wildfire cases, have no payout yet.

Which State Farm Settlements Are Open Right Now?

Only Washington’s. Both of the car coverage deals that were taking claims in September are single-state cases, and one has now closed:

The Louisiana case, Robin v. State Farm Mutual Automobile Insurance Co., covered sales tax, title, and registration fees missing from payments on total loss claims. Chief Judge Shelly D. Dick of the Middle District of Louisiana granted final approval in September. Each approved claimant gets the same $28.39, so the amount does not shrink with claim volume. If you filed on time, you’re waiting on payment; no payment date had been posted as of late October.

How the Washington UMPD Payout Is Calculated

Your share depends on your repair bill. Diminished value is the resale value a car loses after a crash, even when it’s repaired well, and the lawsuit alleged the insurer didn’t pay it on underinsured motorist claims. Each payment is a pro rata slice of the net fund, sized by your repair cost against everyone else’s. The vehicle had to meet all of these:

• No more than six years old (model year plus five), with under 90,000 miles.
• A repair estimate, supplements included, of at least $1,000.
• Structural (frame) damage, deformed sheet metal, or body and paint work.
• Not leased and not declared a total loss.

Filing the Washington Class Action Lawsuit State Farm Claim

Any diminished value already paid is credited dollar for dollar, and a car with a prior accident gets 50% of the normal amount. Got $300 back then? Expect your check to shrink by $300. We tell readers that an earlier payment is a reason to file, not a reason to skip it, because the offset only trims the check. The claim form asks for the class member ID from your notice, and two accidents mean two separate forms.

The window to opt out or object closed on September 30, so the only choice left is whether to claim. Payments go out only after final approval and once any appeals resolve. Judge Ricardo S. Martinez set the fairness hearing for October 30; check the administrator site for the order before you expect money.

The $5 Billion Dividend Is Not a Settlement

The State Farm money most people are asking about in 2026 is a policyholder dividend, not a class action payout. State Farm Mutual Automobile Insurance Company declared a record $5 billion dividend in February 2026 for private passenger auto policies in force at any point in 2025. Payments run 4% to 10% of each vehicle’s 2025 premium, varying by state, and average about $100 per vehicle across more than 49 million vehicles.

Nobody sued for it. A mutual insurer is owned by its policyholders, so it can return surplus after a strong underwriting year. State Farm policyholders with an email on file get a link from the payment administrator, Veritas, to choose a digital payment or a check; others get a mailed check. Homeowners, renters, and life insurance policies don’t qualify on their own. Questions go to 888-808-9532, the dividend line. Because it’s a return of premium rather than damages, the tax picture differs from a settlement; our page on whether settlements are taxable explains the distinction.

Class Action Lawsuit State Farm Payouts That Already Closed

A notice you got months ago may belong to one of these closed deals. Filed claims still get paid; new ones don’t.

• Missouri labor depreciation (Pregon): $25 million for structural damage claims where State Farm Fire and Casualty withheld depreciation on labor, a deduction the lawsuit said the policy didn’t allow. Closed April 2.
• New Mexico uninsured motorist (Schwartz): $20.93 million, a refund of up to 21% of premiums. Closed July 2.
• Alabama total loss fees: $20.50 per claim. Closed July 15.
• Arkansas total loss valuation (Chadwick): $15.6 million over Audatex reports, averaging about $489, reached after a June 2025 jury verdict for the policyholders. Closed August 19.
• Louisiana total loss fees (Robin): $28.39 per vehicle. Closed October 19.

Missed one of these? Our list of upcoming settlement deadlines shows what’s still open across every company we track.

Why State Farm Auto Cases Run One State at a Time

Insurance is regulated state by state, so the rules a total loss check must follow (whether fees are owed, how actual cash value is figured) come from each state’s statutes and regulations. That’s why every recent auto deal is limited to one state’s policyholders instead of running nationwide. A Texas or Ohio driver can’t claim from the Louisiana fee case even with an identical loss.

The fight that decides most of these cases is class certification, the court’s ruling on whether one trial can answer the question for everyone. A valuation adjustment applied the same way to every claim can be tried together, which is how the Arkansas policyholders won at trial. The catch is proving damages without car-by-car evidence. In April 2026 the full Sixth Circuit ruled that about 90,000 Tennessee policyholders couldn’t proceed together over a similar total loss valuation dispute. Our explainer on what a class action is walks through that certification step.

Fee cases pay little for a plain reason: title and registration charges are fixed and small next to a car’s value, so the per-vehicle refund is small too. Valuation cases pay more because the money at stake is a slice of the whole car’s price.

State Farm Homeowner Insurance Disputes Still in Court

No homeowner case has a claim process yet. The main litigation is still with judges or regulators:

• LA wildfire claims: On May 4, 2026, the California Department of Insurance filed an accusation against State Farm General after its market conduct examination found 398 violations in 114 of 220 sampled claims from the Eaton and Palisades fires, plus 34 more alleged from consumer complaints. Los Angeles County announced its own lawsuit against State Farm in Los Angeles Superior Court on August 31, citing delay, denials, and underpayment of wildfire insurance claims. Neither is a class action, though the county seeks restitution for policyholders.
• Non-renewal conspiracy (Ferrier): 60 homeowners allege 16 insurers coordinated to drop fire coverage before the 2025 fires. The U.S. Justice Department filed a statement of interest.
• Algorithm bias (Huskey): a proposed class action in the Northern District of Illinois. The core allegation is that claim-screening tools subjected Black policyholders to greater scrutiny than white policyholders, violating the Fair Housing Act. A 2023 ruling trimmed some claims but let the core theory proceed, and discovery was still under way in 2026.

Should Wildfire Homeowners Wait or Act Alone?

Waiting usually costs you. None of these proceedings will pay an individual claim balance soon, and the Huskey case was filed in December 2022. If your claim is stalled or underpaid, file a complaint with the department at (800) 927-4357 and keep your own claim moving with an attorney. Our page on whether class actions are worth it covers when an individual case beats waiting for a group case.

What State Farm Customers Should Do Next

Start with the state where the loss happened. Washington drivers with a qualifying UMPD repair should file at the official administrator site, using the ID on their notice, before December 14. For any other class action lawsuit State Farm faces, wait for a court-approved notice and ignore unsolicited “claim your State Farm money” offers that ask for fees. Our guide on how to join a class action explains the steps, and how long class actions take sets expectations for the homeowner cases.

State Farm Settlement FAQ

Is there a class action lawsuit against State Farm?

Yes, several. One auto settlement, in Washington, accepts claims until December 14, 2026, and homeowner cases over wildfire claims, non-renewals, and algorithm bias are still pending.

How much money will State Farm pay out per person?

It depends on the case. Washington’s estimate averages $625 with an $800 cap, and Louisiana paid a flat $28.39 per vehicle. Other closed deals ranged from $20.50 to about $489. The separate 2026 dividend averages about $100 per vehicle.

How do I know if I qualify for the State Farm settlement?

Most class members get a mailed or emailed notice with a class member ID, since company records identify them. If you think you may qualify but got nothing, contact the official administrator.

Is the State Farm dividend part of a lawsuit?

No. The $5 billion dividend is a voluntary return of surplus to 2025 auto policyholders, not a court-ordered payment. You don’t file a claim form; it arrives by email link or mailed check.

This page is general information about legal cases, not legal advice. For advice about your own claim or policy, talk to a licensed attorney.

Sources Checked for This Page

The Washington administrator site could not be reached for this update, so its status details come from the coverage listed here.

• washingtonumpdsettlement.com
• claimdepot.com (1)
• topclassactions.com (1)
• topclassactions.com (4)
• openclassactions.com (1)
• law360.com
• topclassactions.com (2)
• openclassactions.com (2)
• dapeer.com
• econone.com
• insurancejournal.com
• topclassactions.com (3)
• claimdepot.com (2)
• pregon-v-statefarm.com
• claimdepot.com (3)
• insurancebusinessmag.com (1)
• insurancebusinessmag.com (2)
• consumeraffairs.com
• insurance.ca.gov
• lacounty.gov
• claimsjournal.com
• justice.gov
• clearinghouse.net
• sanfordheisler.com