Who Qualifies

Per the settlement summary, you may be included if you meet all of these conditions:

• You are a Washington insured of State Farm Mutual Automobile Insurance Company
• State Farm paid you under your UMPD coverage for damage to your insured vehicle in an accident between January 13, 2019, and February 27, 2026
• Your repair estimate, including supplements, was at least $1,000
• Your vehicle was no more than six years old (model year plus five) and had under 90,000 miles at the time of the accident
• The vehicle had structural (frame) damage, deformed sheet metal, or needed body or paint work

Leased vehicles, total losses, and accidents outside the class period are excluded. Check which State Farm company issued your policy. An earlier $2.09 million Washington settlement covered State Farm Fire and Casualty policyholders, and its claim period closed in 2024.

What you could receive

Payments are formula-based, not an appraisal of your own car. Each is a pro rata share of the net fund based on your repair cost, and it is reduced by any diminished value payment State Farm already made. The estimated average is about $625, but your amount will vary. If you had more than one qualifying accident, you must file a separate claim for each. Earlier coverage of the settlement motion said vehicles with prior accidents would receive half, so confirm the final terms in the official notice.

The headline figure also overstates what reaches policyholders. Class counsel can request up to $1,852,628 plus costs, about 21% of the fund, subject to court approval, which would leave roughly $7 million before costs and service awards.

Key dates

• September 30, 2026: Deadline to opt out or object (passed)
• October 30, 2026: Final approval hearing. The date may change, so check the settlement site
• December 14, 2026: Claim deadline, online or postmarked

The settlement site doesn't give a payment date. In the earlier State Farm Washington settlement, the claim deadline was November 12, 2024, and payments went out July 9, 2025, about eight months later.

Why the opt-out deadline matters

A claim form is the only way to get paid. If you do nothing, you get no payment and are still bound by the settlement, including its release of claims. If you believe your actual loss is far larger than a formula payment, speak with an attorney soon about how the release applies to you.

How to Claim, Safely

Start at the official settlement website, which the court has authorized as the only authorized site for this case. Read the FAQ to confirm eligibility, then use the claim form. Gather your accident date, repair estimate, and your vehicle's model year and mileage first. Claims are submitted under penalty of perjury, so don't file if you don't qualify. Questions go to the administrator, Kroll Settlement Administration, at (833) 930-0261, or by mail at P.O. Box 225391, New York, NY 10150-5391. The documents page has the full notice and settlement agreement.

Why This Matters Beyond Washington

This is the second State Farm diminished value settlement in Washington in about two years, which suggests many policyholders never knew to ask. Whether and how you can recover diminished value depends on your state and on whether you're claiming from your own insurer or the at-fault driver's. If your insurer paid for repairs but not for lost value, it's worth asking.

If you were hit by an uninsured or underinsured driver, or you believe your insurer underpaid for damage to your vehicle, the independent attorneys we connect you with can help you understand what you may be owed.

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