State Farm $15.6M Arkansas Total Loss Class Action Settlement

Arkansas State Farm auto policyholders who received a total-loss vehicle claim payment that allegedly applied improper 'typical negotiation' adjustments, underpaying the vehicle's value, during the class period.

• Arkansas State Farm policyholder paid on a total-loss auto claim with the challenged 'typical negotiation' adjustment during the class period
• Follow the instructions in your settlement notice (some payments are automatic from State Farm's records)
• No documentation of loss required

State Farm reached a $15.6 million class action settlement (Chadwick v. State Farm, preliminarily approved in Arkansas federal court in March 2026) resolving claims that it underpaid Arkansas policyholders on total-loss vehicle claims by applying 'typical negotiation adjustments' that reduced the valuation used to calculate payouts. State Farm denies wrongdoing and settled to avoid the costs and risks of continued litigation.

Who's excluded: Covers Arkansas State Farm policyholders with qualifying total-loss claims during the class period. (This is the Arkansas case — separate from State Farm total-loss settlements in other states.)

• Pro rata cash (~$489 average)

  A pro rata share of the $15.6M fund based on your total-loss claim — averaging roughly $489 per class member. Many class members are paid automatically from State Farm's records; check the official notice for whether a claim form is required.

1. 1Review your settlement notice — class members are identified from State Farm's records.
2. 2If a claim form is required, submit it (online or by mail) per your notice by the deadline.
3. 3Keep your address current so your payment reaches you.

1. Claim / response deadlineAugust 19, 2026

Payments are made after the court grants final approval and any appeals are resolved. Check the official settlement notice for the final-approval date.

• File using the claim ID from the official notice mailed to class members.
• Case: Chadwick v. State Farm Mutual Automobile Insurance Co. · U.S. District Court, Eastern District of Arkansas