State Farm Lawsuits Explained, Every Active Case and What You Can Claim

State Farm faces multiple active class action lawsuits and recently concluded settlements across the United States involving auto insurance total loss underpayment, property insurance claim underpayment, and other alleged insurance practices affecting hundreds of thousands of policyholders. One case — Pregon v. State Farm Fire and Casualty Co. — has an active claim form open right now with a deadline of April 2, 2026, covering Missouri homeowners. Other cases are in active litigation with no claim form yet available. This article maps every major active State Farm case so you can quickly identify which one, if any, applies to you.

One Case Has an Open Claim Form Right Now

If you are a Missouri homeowner with a State Farm structural damage claim from June 5, 2012 through approximately October 2017, you must file a claim by April 2, 2026 to receive payment from a $25 million settlement. This is the only currently open consumer claim form across all State Farm cases. All other cases described in this article are in active litigation — no claim forms exist for them yet. Read the Missouri section first if this might apply to you.

Quick Reference: All Active State Farm Cases at a Glance

Case 1: Missouri Property Insurance Settlement — Claim Form Open Now

Case name: Pregon v. State Farm Fire and Casualty Company, Case No. 24SL-CC03130 Court: Missouri Circuit Court (State Court) Settlement amount: $25,000,000 Claim deadline: April 2, 2026 Official settlement website: pregon-v-statefarm.com Administrator: JND Legal Administration · (877) 206-2313 · [email protected] · PO Box 91215, Seattle, WA 98111

What this case alleges. State Farm deducted estimated labor costs and other “non-material” costs from actual cash value (ACV) payments to Missouri property insurance policyholders. An ACV payment is what an insurer pays when it values a damaged structure at its current cash value rather than its full replacement cost. Plaintiffs alleged that labor is not a depreciable item — meaning it does not wear out with age the way materials like shingles or lumber do — and that State Farm had no basis to reduce its payout by treating labor as something that depreciates. Each deduction, they alleged, caused State Farm to pay less than Missouri policyholders were entitled to under their policies.

The Final Approval Hearing was March 3, 2026. The court has heard arguments on whether to grant final approval. As of the time of this article’s publication, the April 2, 2026 claim deadline remains operative — file your claim even if you are waiting for the outcome of the March 3 hearing.

Who qualifies. You may be a class member if all of the following apply:

• You were insured under a State Farm structural damage policy for a residential or business property in Missouri
• You filed a structural insurance claim with a date of loss on or after June 5, 2012, and before approximately October 2017
• You received an ACV payment that included deductions for non-material depreciation or general contractor overhead and profit OR your ACV calculation fell below your deductible solely because of those deductions

What you will need to file. Your policy number, claim number, date of loss, property address, total ACV payment received, total replacement cost benefit (RCB) payment received, and total depreciation deducted from each payment. This information is on your original claim settlement paperwork from State Farm.

How to file.

• Online: Upload a completed claim form at pregon-v-statefarm.com before April 2, 2026
• Mail: Mail a completed signed claim form to: Pregon v. State Farm Settlement, c/o JND Legal Administration, PO Box 91215, Seattle, WA 98111 (must be postmarked by April 2, 2026)

State Farm denies all wrongdoing and maintains policyholders received everything they were entitled to under their policies.

Case 2: Nationwide Auto Total Loss — “Typical Negotiation” Adjustment (Active Litigation)

Current status: Active litigation — no settlement, no claim form available

What this case alleges. A nationwide class action filed by law firm Seeger Weiss on behalf of State Farm auto policyholders alleges State Farm systematically underpaid total loss claims by applying an arbitrary discount called a “typical negotiation adjustment.” When a vehicle is declared a total loss — too damaged to repair economically — the insurer must pay the vehicle’s pre-accident actual cash value. To calculate that value, State Farm uses software from a company called CCC Information Services (now CCC Intelligent Solutions) that identifies comparable vehicles for sale in the area and prices them. According to the lawsuit, State Farm then applied a flat-rate deduction of 4% to 11% to those comparable vehicle prices — a reduction it called the “typical negotiation adjustment” — before arriving at what it would pay the policyholder.

Plaintiffs allege this reduction has no factual basis and was designed solely to reduce State Farm’s payouts below what policyholders were owed. State Farm has applied this adjustment in most U.S. states. Notably, State Farm stopped applying it in California in 2008 as part of a prior settlement (Garner v. State Farm, California) — but continued using it elsewhere.

The September 2025 Arkansas jury verdict. In September 2025, a federal jury in Arkansas unanimously found that State Farm breached its contract with approximately 37,000 Arkansas policyholders by using this flawed valuation system. Damages from that verdict are estimated between $30 million and $40 million. The case is in post-verdict proceedings; no final judgment or distribution has been confirmed as of March 2026.

An Illinois district court partially dismissed the nationwide case in October–November 2025, ruling that consumer protection law claims in Alaska and West Virginia could not proceed in that forum because those states exempt the insurance industry from consumer protection statutes. The remaining states in the case continue.

Who this may eventually affect. State Farm automobile policyholders in most states (outside California) who received a total loss valuation that included a “typical negotiation” or similar percentage reduction to the comparable vehicle prices. If you received a total loss payment from State Farm and your settlement paperwork includes a CCC One Market Valuation Report showing a “typical negotiation” or similar deduction, you may be affected if this litigation produces a settlement.

No action required now. There is no claim form and no active settlement. Monitor developments through the federal PACER court system for updates.

Related article: State Farm Missouri Property Insurance Lawsuit Settlement (Pregon v. State Farm)

Case 3: North Carolina Auto Total Loss (Active Litigation)

Case name: Brewer v. State Farm Mutual Automobile Insurance Co. Court: U.S. District Court, Western District of North Carolina Filed: October 2025 Current status: Active litigation; class certification pending

What this case alleges. Plaintiff Craig Brewer alleges State Farm uses the CCC One Market Valuation Report in North Carolina to reduce the retail cost of comparable vehicles before calculating total loss payments, in violation of North Carolina’s motor vehicle total loss regulation and the state’s Unfair Trade Practices Act. Like the nationwide case, the central allegation is that State Farm systematically paid less than what its own policy terms required.

No claim form exists. This case is at an early litigation stage with no settlement and no claim form. No action is needed unless the case produces a settlement.

Case 4: Alabama Auto Total Loss (Active Litigation)

Case name: Goode v. State Farm Mutual Insurance Co. Court: U.S. District Court, Northern District of Alabama Filed: December 2025 Current status: Active litigation; class certification pending

What this case alleges. Plaintiff James Goode alleges State Farm artificially reduces the retail cost of comparable vehicles in CCC One reports used for total loss valuations in Alabama. The allegations mirror the North Carolina and nationwide cases. Goode seeks to represent all Alabama State Farm auto policyholders who received total loss payments calculated using a CCC One report where comparable vehicle retail costs were reduced.

No claim form exists. Early-stage litigation with no settlement.

Case 5: California Homeowners — Class Certified (Active Litigation)

Court: U.S. District Court, Central District of California Current status: Class certified in 2025; active litigation

What this case alleges. State Farm allegedly underpaid California homeowner property insurance claims by improperly depreciating sales tax and other costs when calculating ACV payments. In 2025, a California federal judge certified a class of nearly 200,000 California homeowners, meaning the case can now proceed as a full class action rather than individual claims. Class certification is a significant milestone — it means the court has determined that common questions of fact and law are shared by enough policyholders to justify class treatment.

No claim form exists. While class certification is a major procedural step, it does not mean a settlement has been reached. No settlement has been announced as of March 2026. California homeowners do not need to take any action at this time.

What the “Typical Negotiation Adjustment” and CCC One Reports Mean

Many State Farm auto cases involve the same underlying mechanism. Here is what it means in plain language.

CCC One is software used by insurance companies to estimate the value of a totaled vehicle. The software identifies similar vehicles currently for sale in your local area and prices them. That list of comparable vehicles becomes the basis for what the insurer says your car was worth before the accident.

The “typical negotiation adjustment” is a percentage reduction — typically 4% to 11% — that State Farm applied to those comparable vehicle prices before using them to calculate your payout. The justification offered is that buyers in the real market typically negotiate prices down from the listed price. Plaintiffs argue that there is no reliable data supporting this specific percentage reduction and that it was applied uniformly regardless of whether any actual negotiation occurs in a given market, artificially suppressing every total loss payment State Farm made.

How to check your own settlement paperwork. If State Farm declared your vehicle a total loss, request a copy of the CCC One Market Valuation Report used in your claim. Look for a line item labeled “typical negotiation,” “projected sold adjustment,” or a similar percentage reduction applied to the comparable vehicle prices. If you see such a deduction and you are in a state covered by one of the active lawsuits, your experience mirrors what plaintiffs in these cases allege.

Prior Related Cases and Industry Context

State Farm’s history with similar lawsuits is extensive. The company settled a comparable total loss valuation case in California in 2008 (Garner v. State Farm) and agreed to stop applying the “projected sold adjustment” in that state. It continued using the same practice in other states for more than a decade until class actions began appearing in multiple jurisdictions. Several other major insurers — including Allstate and GEICO — have also faced class actions over similar CCC One-based valuation methodologies.

On the property insurance side, State Farm is one of several insurers that have faced litigation over non-material depreciation deductions. In 2022, State Farm settled an Alabama structural damage underpayment case, and in 2025 it reached the current Missouri (Pregon) settlement. Comparable cases against State Farm have been filed or settled in Tennessee, Georgia, and Illinois over the same depreciation issue in different class periods.

The September 2025 Arkansas jury verdict against State Farm is one of the most significant recent developments in insurance class action law — a jury, rather than a judge acting on a settlement, found State Farm liable after a full trial. Legal observers have noted this verdict increases pressure on State Farm to resolve the remaining total loss cases through settlement rather than continue to litigate to verdict.

Frequently Asked Questions

What is the most recent State Farm lawsuit? 

Multiple State Farm lawsuits are active as of March 2026. The most recent filings are the Alabama (Goode, December 2025) and North Carolina (Brewer, October 2025) total loss class actions. The most recent significant development is the September 2025 federal jury verdict against State Farm in Arkansas, which found the insurer underpaid approximately 37,000 policyholders on total loss claims.

Can I file a claim against State Farm right now?

 Yes — but only if you are a Missouri homeowner who had a State Farm structural damage claim between June 5, 2012, and approximately October 2017. The Pregon v. State Farm settlement has an active claim form open through April 2, 2026 at pregon-v-statefarm.com. All other State Farm cases described here are in litigation without an active claim form.

What is the State Farm total loss class action about? 

Multiple class actions allege State Farm systematically underpaid auto total loss claims by applying an arbitrary “typical negotiation adjustment” — a 4% to 11% reduction to comparable vehicle prices — using CCC One software. Plaintiffs argue this reduction had no factual basis and caused State Farm to pay less than policyholders were contractually owed. Cases are active in Alabama, North Carolina, Illinois (nationwide), and post-verdict in Arkansas.

What does CCC One have to do with the State Farm lawsuit? 

CCC One is the insurance valuation software State Farm uses to calculate what a totaled vehicle was worth. The lawsuits allege State Farm directed CCC to apply an arbitrary discount to comparable vehicle prices before using them to calculate payouts. You can check your own State Farm total loss paperwork for a “typical negotiation” line item to see if this deduction was applied to your claim.

Is State Farm still being sued over property insurance? 

Yes. In addition to the Missouri Pregon settlement currently accepting claims, a California federal court certified a class of nearly 200,000 homeowners in 2025 who allege State Farm improperly depreciated sales tax and other costs in property claim ACV payments. That case is in active litigation with no settlement announced.

What happened in the State Farm Arkansas jury verdict?

 In September 2025, a federal jury in Arkansas unanimously found State Farm breached its contracts with approximately 37,000 Arkansas policyholders by using a flawed vehicle valuation system to underpay total loss claims. Estimated damages range from $30 to $40 million. The case is in post-verdict proceedings and no distribution timeline has been confirmed.

Where can I find the official State Farm Missouri settlement website?

 The only court-authorized settlement website is pregon-v-statefarm.com. You can also contact the settlement administrator JND Legal Administration at (877) 206-2313 or [email protected], or write to: Pregon v. State Farm Settlement, c/o JND Legal Administration, PO Box 91215, Seattle, WA 98111.

Should I check my old State Farm total loss paperwork? 

If State Farm declared your vehicle a total loss and you received a CCC One Market Valuation Report with your settlement, reviewing that report for a “typical negotiation” or similar percentage deduction is a reasonable step. If you find such a deduction and you are in a state covered by an active lawsuit, your experience matches what the plaintiffs allege. No class action claim form is currently available for total loss cases outside Missouri property claims — but if settlements are reached, affected policyholders would likely be notified.

Last Updated: March 1, 2026

This article is for informational purposes only and does not constitute legal advice. Legal claims and outcomes depend on specific facts and applicable law. For advice regarding a particular situation, consult a qualified attorney.

About the Author

Sarah Klein, JD, is a licensed attorney and legal content strategist with over 12 years of experience across civil, criminal, family, and regulatory law. At All About Lawyer, she covers a wide range of legal topics — from high-profile lawsuits and courtroom stories to state traffic laws and everyday legal questions — all with a focus on accuracy, clarity, and public understanding.
Her writing blends real legal insight with plain-English explanations, helping readers stay informed and legally aware.
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