State Farm $8.82M Insurance Settlement - Washington Drivers Can Claim by Dec. 14
By Abida SultanaUpdated
Correction · Oct 22, 2026: Corrected: State Farm pays notice and administration costs separately; the fund covers class payments, Class Counsel fees, service awards and costs. See update history
State Farm will pay up to $8.82M to Washington policyholders who used UMPD coverage between 2019 and 2026. Claim your share by December 14, 2026.
See all upcoming settlement deadlines →
Quick Facts
- Settlement fund: Up to $8.82 million
- Claim deadline: December 14, 2026
- What you need to file: Class Member ID from your notice; the online form ends with an attestation and signature
- Who qualifies: Washington State Farm insureds paid under UMPD coverage for losses from January 13, 2019 to February 27, 2026 who meet other settlement requirements
Your car was damaged by an underinsured driver. State Farm paid your UMPD claim - but did it pay all of it? A class action lawsuit says no. Up to $8.82 million is on the table for Washington policyholders, and the claim deadline is December 14, 2026.
What Is This Settlement About?
When a car takes serious structural damage in a collision, repairs don't fully restore its value. Even a perfectly fixed car with an accident history sells for less than one without. That difference is called diminished value - and the lawsuit says State Farm failed to adequately pay it.
The lawsuit, Hardy v. State Farm Mutual Automobile Insurance Company (Case No. 2:25-cv-00072-RSM), was filed in the U.S. District Court for the Western District of Washington. The lawsuit alleged that State Farm failed to adequately pay for the diminished value of vehicles under its Washington UMPD coverage.
The settlement resolves the claims without a trial. The court still needs to give final approval; a hearing is scheduled for October 30, 2026 - check the official settlement website for any schedule changes.
Who Is Eligible?
The class covers Washington insureds of State Farm Mutual Automobile Insurance Company who received a payment under their underinsured motorist property damage (UMPD) coverage for a loss that occurred between January 13, 2019 and February 27, 2026, and who meet certain other requirements listed in the official settlement FAQ. If you're a class member, your notice includes the Class Member ID you'll need to file online.
Only Washington insureds qualify, and only losses paid under UMPD coverage count. UMPD is the coverage that applies when the at-fault driver doesn't have enough insurance.
How Much Will You Get?
The maximum settlement fund is $8,822,039.83. The fund pays diminished value payments to eligible class members with a valid claim form, plus Class Counsel fees, service awards and costs. State Farm pays notice and administration costs separately.
No per-person payout has been announced on the settlement website. The Settlement Agreement on the official site's Documents page explains how payments are calculated.
How to File a Claim
- Visit washingtonumpdsettlement.com
- Click through to the online claim form and complete it using the Class Member ID from your notice
- Or download a paper form and 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
- Submit online or postmark your paper form by December 14, 2026
Filing is free and you don't need an attorney. Questions? Call the administrator at (833) 930-0261.
Important Deadlines
- Claim deadline: December 14, 2026
- Final approval hearing: October 30, 2026 (subject to change)
- Payments: After final court approval and claims processing
You don't need to attend any hearing. Just file your claim online or postmark a paper form by December 14, 2026.
Source: washingtonumpdsettlement.com (official settlement website, Hardy v. State Farm, W.D. Wash., Case No. 2:25-cv-00072-RSM)
Frequently Asked Questions
- Who qualifies for the State Farm UMPD settlement?
- Washington insureds of State Farm Mutual Automobile Insurance Company who received a payment under their UMPD coverage for a loss between January 13, 2019 and February 27, 2026, and who meet certain other requirements listed on the settlement website. Only losses paid under UMPD coverage count.
- What did State Farm allegedly do wrong?
- The lawsuit, Hardy v. State Farm in federal court in Washington, alleged State Farm failed to adequately pay for the diminished value of vehicles under its Washington UMPD coverage. Diminished value is the drop in a car's resale value after an accident, even when it's been repaired.
- How much will I get from the State Farm settlement?
- The fund is up to $8,822,039.83 and also covers Class Counsel fees, service awards and costs, while State Farm pays notice and administration costs separately. No per-person amount has been announced on the settlement website.
- What do I need to file a State Farm UMPD claim?
- The online claim form asks for the Class Member ID printed on the notice you received, and it ends with an attestation and signature. You can also mail a paper claim form to Kroll Settlement Administration.
- What is the deadline to file a State Farm UMPD settlement claim?
- Claims must be submitted online or postmarked by December 14, 2026. The final settlement hearing is scheduled for October 30, 2026, and the date may change.
Update History
· Correction · Corrected: State Farm pays notice and administration costs separately; the fund covers class payments, Class Counsel fees, service awards and costs.
Previously: Attorneys' fees, court costs, and service awards get paid first
Source: washingtonumpdsettlement.com
· Correction · Corrected: Filing online requires the Class Member ID from your notice, plus an attestation and signature.
Previously: No proof required: Claim form attestation only
· Correction · Corrected: The class covers Washington State Farm insureds paid under UMPD coverage who meet other settlement requirements, not all Washington residents with UMPD claims.
Previously: Washington residents who held a State Farm auto policy and received a UMPD payment; residency at the time of the claim required
Source: washingtonumpdsettlement.com
Disclaimer: ClaimActions.com is not a law firm, attorney, or settlement administrator. This article is for informational purposes only and does not constitute legal advice. Please consult a qualified attorney for guidance on your specific situation.
