$8.82 Million State Farm Washington UMPD Settlement, Who Qualifies, How Much You Could Get, and the December 14 Claim Deadline

State Farm Mutual Automobile Insurance Company has agreed to pay up to $8,822,039.83 to resolve Hardy v. State Farm Mutual Automobile Insurance Company, a Washington class action over “diminished value” under underinsured motorist property damage (UMPD) coverage. State Farm denies any wrongdoing.

If State Farm paid you for car damage under your Washington UMPD coverage, you may be owed more. You must file a claim to get paid, and the deadline is December 14, 2026.

Official settlement website: WashingtonUMPDSettlement.com | Online claim form: File your claim here

The settlement has not yet received final approval. The fairness hearing is set for October 30, 2026, and payments will not go out until the settlement is final and any appeals are resolved.

State Farm UMPD Settlement Quick Facts

Detail	Information
Settlement amount	Up to $8,822,039.83
Case	Hardy v. State Farm Mutual Automobile Insurance Company
Case number	2:25-cv-00072-RSM
Court and judge	U.S. District Court, Western District of Washington; Judge Ricardo S. Martinez
Defendant	State Farm Mutual Automobile Insurance Company
What plaintiffs allege	State Farm failed to pay, or underpaid, diminished vehicle value under Washington UMPD coverage
Who qualifies	Washington State Farm insureds paid under UMPD coverage for qualifying accidents between January 13, 2019 and February 27, 2026 (requirements below)
Estimated average payment	About $625 per claim; actual amounts vary
Claim form required	Yes
Claim deadline	December 14, 2026 (online, or paper form postmarked by that date)
Official settlement website	WashingtonUMPDSettlement.com
Official claim form	Online claim form
Final approval hearing	October 30, 2026, 11:00 a.m.
Settlement administrator	Kroll Settlement Administration LLC, (833) 930-0261

What Is the State Farm UMPD Lawsuit About?

The lawsuit concerns diminished value, the loss in a vehicle’s market value that can remain even after quality repairs. When a car suffers structural or body damage, it often cannot be restored to its full pre-accident value, and the plaintiffs say State Farm owed them that difference under the UMPD coverage in its Washington policies.

Tyler Hardy and Jermine Santiago filed the lawsuit in January 2025. State Farm denies the allegations and denies doing anything wrong. The settlement resolves the dispute without a trial deciding who is right. The court granted preliminary approval in June 2026.

Who Qualifies for the State Farm UMPD Settlement?

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

• State Farm insured you under an auto policy issued in Washington, and your repairs were paid under the policy’s UMPD coverage.
• The accident happened between January 13, 2019 and February 27, 2026.
• Your repair estimate, including supplements, totaled at least $1,000. This is the estimate, not what you paid out of pocket.
• Your vehicle was no more than six years old at the time of the accident (model year plus five years).
• Your vehicle had fewer than 90,000 miles at the time of the accident.
• The vehicle had structural or frame damage, deformed sheet metal, and/or needed body or paint work.

Meeting one requirement alone is not enough. They must be met together.

Who Is Excluded?

• Leased vehicles
• Vehicles declared a total loss
• Accidents outside the January 13, 2019 – February 27, 2026 period

If you had more than one qualifying accident, you must submit a separate claim for each accident.

How Much Could You Get?

There is no fixed payment. The administrator calculates each payment by comparing your vehicle’s repair costs with the total repair costs of all valid claims, after fees, costs and service awards come out of the fund. The administrator estimates the average payment at about $625, but that is only an estimate. Your amount could be higher or lower depending on your repair costs and how many people file claims.

If State Farm already paid you something for diminished value, that amount will be deducted from your settlement payment.

Where the $8.82 Million Goes

Item	Amount
Attorneys’ fees	Up to 21% of the fund (about $1,852,628), plus costs, subject to court approval
Service awards to the two class representatives	$10,000 each
Payments to class members	The remainder of the fund

State Farm pays the costs of notice and administration separately, so they do not reduce the fund. Class counsel are the Law Offices of Stephen M. Hansen and Nealey Law.

How to File a State Farm UMPD Settlement Claim

1. Check your eligibility against the requirements above.
2. Find your notice. Eligible class members were mailed a notice with a Class Member ID. The online form asks for it. If you lost it or never received one, call the administrator at (833) 930-0261 or use the Contact Us form on the settlement website.
3. File online using the official claim form, or file by mail. The paper claim form is two pages and must be completed and signed. Mail it to: Hardy v. State Farm Mutual Automobile Insurance Co., c/o Kroll Settlement Administration LLC, P.O. Box 225391, New York, NY 10150-5391.
4. Meet the deadline. Online claims must be submitted, and mailed claims postmarked, by December 14, 2026.
5. Keep copies of your claim and your repair and insurance records.

Payments will be made by paper check mailed to the address you provide.

What Are Your Options? Which Deadlines Have Passed?

Option	What it means	Deadline
Submit a claim	The only way to receive a payment	December 14, 2026
Exclude yourself (opt out)	No payment; you keep the right to sue State Farm yourself	September 30, 2026 (passed)
Object to the settlement	Tell the court why you think it is unfair	September 30, 2026 (passed)
Attend the final hearing	Optional; you do not need to attend to be paid	October 30, 2026
Do nothing	No payment, and you are still bound by the settlement and its release of claims	None

As of October 8, 2026, the opt-out and objection deadlines have passed. If you believe you tried to opt out but had a problem with your request, contact the administrator promptly rather than assuming it was accepted.

Is the Settlement Approved? When Will Payments Go Out?

Not yet. Judge Ricardo S. Martinez will hold the final approval hearing on October 30, 2026, at 11:00 a.m. at the U.S. District Court for the Western District of Washington, 700 Stewart St., Seattle, WA 98101. He will decide whether the deal is fair, reasonable and adequate. The hearing date and time can change, so check the official website for updates.

Payments will go out only after final approval and after any appeals are resolved. There is no confirmed payment date. Be cautious of any site claiming checks have already been approved or issued.

Is This the Same as the Earlier State Farm UMPD Settlement?

No. State Farm Fire and Casualty Company previously settled a similar Washington diminished value case for $2,091,200, covering accidents from March 23, 2012 to February 13, 2024. That is a different company, case and class. This article covers only Hardy v. State Farm Mutual Automobile Insurance Company, No. 2:25-cv-00072-RSM. Use the case name and defendant on your notice to confirm which settlement applies to you.

Key Dates

Date	Event
January 2025	Lawsuit filed
June 2026	Preliminary approval granted
September 30, 2026	Opt-out and objection deadline
October 30, 2026	Final approval hearing, 11:00 a.m.
December 14, 2026	Claim deadline
After final approval and appeals	Payments, if approved

Frequently Asked Questions

What is the State Farm Washington UMPD settlement?

A proposed $8,822,039.83 class action settlement resolving claims that State Farm did not pay, or underpaid, diminished vehicle value under Washington UMPD coverage. State Farm denies wrongdoing.

Who qualifies?

Washington State Farm insureds paid under UMPD coverage for an accident between January 13, 2019 and February 27, 2026, with a repair estimate of at least $1,000, a vehicle no more than six years old with fewer than 90,000 miles, and qualifying structural, sheet-metal, body or paint damage.

How much will I get?

The estimated average is about $625, but your payment depends on your repair costs, the number of valid claims, and any diminished value State Farm already paid you.

What is the claim deadline?

December 14, 2026. Online claims must be submitted and mailed claims postmarked by that date.

Do I need to file a claim?

Yes. A valid claim form is the only way to receive a payment.

Do I need a Class Member ID?

The online form asks for the ID printed on your notice. If you do not have it, call (833) 930-0261.

Are leased vehicles or total losses covered?

No. Both are excluded.

What if State Farm already paid me for diminished value?

You may still qualify, but that prior payment will reduce your settlement payment.

Can I still opt out or object?

No. Both deadlines were September 30, 2026.

Is the settlement approved?

Not yet. The final approval hearing is October 30, 2026.

When will I be paid?

After final approval and any appeals. No payment date has been set.

Can I file more than one claim?

Yes, one for each qualifying accident.

Is WashingtonUMPDSettlement.com the real website?

Yes. It is the court-authorized website, run by Kroll Settlement Administration. Be wary of lookalike sites that ask for payment or sensitive information. You never have to pay to file a claim.

Related Reading

• State Farm Bank & Afni $110M Repossession Settlement: Cash, Debt Write-Off & Credit Relief

Sources

1. Court-authorized settlement website, Hardy v. State Farm Mutual Automobile Insurance Company: https://www.washingtonumpdsettlement.com/
2. Official settlement FAQ: https://www.washingtonumpdsettlement.com/faq
3. Official settlement documents (Settlement Agreement, Class Notice, Claim Form): https://www.washingtonumpdsettlement.com/documents
4. Official online claim form (Kroll Settlement Administration): https://forms.ksacms.com/efiling/fr/eform/WashingtonUMPDsettlement_claimform/new?form-version=1
5. Top Class Actions, “State Farm to pay $8.8M to Washington policyholders for diminished value claims”: https://topclassactions.com/lawsuit-settlements/lawsuit-news/state-farm-to-pay-8-8m-to-washington-policyholders-for-diminished-value-claims/
6. Law360, “$8.8M Deal In State Farm ‘Diminished Value’ Suit Gets 1st OK,” June 17, 2026: https://www.law360.com/articles/2490967/-8-8m-deal-in-state-farm-diminished-value-suit-gets-1st-ok
7. Claim Depot, “State Farm $8.8M Auto Insurance Class Action Settlement”: https://www.claimdepot.com/settlements/washington-umpd-settlement
8. Claim Depot, “State Farm Fire & Casualty UMPD Settlement (Washington)”: https://www.claimdepot.com/settlements/state-farm-fire-casualty-umpd-settlement-washington

Disclaimer: This article is for general information only and is not legal advice. AllAboutLawyer.com is not a law firm and does not provide legal representation. The settlement remains subject to court approval, and eligibility and payment amounts depend on the official settlement terms. Confirm all dates and requirements on the official settlement website before filing.

By Israr Ahmad, Legal Content Researcher | Published October 8, 2026