State Farm UMPD Diminished Value Class Action Settlement
Washington State Farm insureds paid under UMPD coverage for vehicle damage from January 13, 2019 to February 27, 2026 can claim diminished value payments. The claim deadline is December 14, 2026.
Settlement fund
$8,822,039.83
Total settlement fund
Top payout
Share based on repair cost
Average about $625; reduced by any prior diminished value payment
Claim deadline
Dec 14, 2026
31 days remaining
You may be owed money
Get claim instructions and more information directly from the official settlement website. Deadline: Dec 14, 2026.
Do you qualify?
You are a Class Member if ALL of the following apply:
- State Farm insureds whose vehicle repairs were covered under the UMPD provision of a Washington policy, for an Accident between January 13, 2019 and February 27, 2026. The repair estimate must total at least $1,000, the vehicle must have been no more than six years old with under 90,000 miles, and it must have suffered structural (frame) damage, deformed sheet metal, and/or required body or paint work.
- Excluded: People whose claim involved a leased vehicle.
- Excluded: People whose vehicle was declared a total loss.
- Excluded: People whose Accident did not occur between January 13, 2019 and February 27, 2026.
Not sure if you qualify? Contact the Settlement Administrator (Kroll Settlement Administration LLC) at (833) 930-0261, Hardy v. State Farm Mutual Automobile Insurance Co. c/o Kroll Settlement Administration LLC P.O. Box 225391 New York, NY 10150-5391, or visit washingtonumpdsettlement.com.
What happened
Plaintiffs claim damaged vehicles cannot be fully repaired to their pre-Accident condition and lose value, called diminished value. They allege State Farm failed to pay, or pay adequately, for this loss under its Washington policies' UMPD Coverage, breaching its insurance contracts.
The defendant denies any wrongdoing. No court has decided who is right.
How to file a claim
1. Confirm you are eligible
State Farm insureds whose vehicle repairs were covered under the UMPD provision of a Washington policy, for an Accident between January 13, 2019 and February 27, 2026. The repair estimate must total at least $1,000, the vehicle must have been no more than six years old with under 90,000 miles, and it must have suffered structural (frame) damage, deformed sheet metal, and/or required body or paint work.
2. Choose your benefits
Diminished value payment: Pro rata share (average likely around $625).
3. File online or by mail
Fill out and sign the green two-page Claim Form sent with the Individual Notice, and mail it postmarked by December 14, 2026, or submit it online on the Settlement website. Submit a separate Claim Form for each qualifying Accident. Open the claim form.
Key dates
- Sep 30, 2026Opt-out & objection deadlinePassed
- Dec 14, 2026Claim filing deadlineUpcoming
- Oct 30, 2026Final Fairness Hearing (11:00 a.m.)Passed
- TBD after final approvalPayments issued to claimantsPending
Where the money is going
This is a claims-made settlement in which State Farm will pay up to $8,822,039.83 into a Settlement Fund. Court-awarded attorneys' fees and costs and the Class Representatives' service awards come out of that amount, while State Farm pays notice and settlement administration costs separately. Each eligible class member who submits a Valid Claim Form receives a share of the remainder in proportion to their vehicle repair cost, reduced by any prior diminished value payment from State Farm and cut in half if the vehicle was in a prior accident. There is no cy pres fund; checks left uncashed after 180 days are forfeited and any amount remaining in escrow is returned to State Farm.
All amounts listed above are pending and subject to final court approval at the Final Approval Hearing. The Court may award less than the amounts requested. The $625 average payment is an estimate, no cy pres fund will be created, and uncashed checks after 180 days are forfeited with any remaining escrow amount returned to State Farm.
Common questions
How much will I get?
Payments depend on your vehicle repair costs relative to all Class Members' repair costs; the average payment will likely be in the range of $625, reduced by any prior diminished value payment from State Farm.
What is the deadline to file a claim?
You must submit your Claim Form online no later than December 14, 2026, or mail your paper Claim Form postmarked no later than December 14, 2026.
What if I did not receive a notice or Claim Form in the mail?
The site does not directly address this; it states that you may also submit your Claim Form online on the Settlement website, and you may call the Claims Administrator at (833) 930-0261.
What happens if I do nothing?
If you do nothing, you will get no money from the Settlement and you will be bound by its terms, including the Release of Claims.
Dapeer Law, P.A.
Consumer class action attorneys based in South Florida. We track settlements so you don’t have to.
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This page is for informational purposes only and does not constitute legal advice. Dapeer Law, P.A. is not the administrator of this settlement and is not affiliated with State Farm Mutual Automobile Insurance Company, Kroll Settlement Administration LLC (the Settlement Administrator), or Class Counsel Stephen M. Hansen (Law Offices of Stephen M. Hansen, P.S.) and Scott P. Nealey (Nealey Law). The case is Hardy v. State Farm Mutual Automobile Insurance Company, Case No. 2:25-cv-00072-RSM, pending in the United States District Court, Western District of Washington before the Honorable Ricardo S. Martinez. Class representatives are Mr. Hardy and Mr. Santiago. State Farm denies wrongdoing. This website is attorney advertising. Past results do not guarantee future outcomes.
