Avg. $625 State Farm Washington Diminished Value Settlement

What happened

Class period: January 13, 2019 through February 27, 2026 (accident dates)

• A class action claims that cars with structural or body damage cannot be fully repaired to their pre-accident condition, so they lose value. This loss is called "diminished value"
• The Plaintiffs claim State Farm failed to pay, or underpaid, diminished value under the underinsured motorist property damage (UMPD) coverage on its Washington policies, which they say breached its auto insurance contracts
• State Farm denies wrongdoing and says it paid the full and appropriate amounts for diminished value, where applicable
• The settlement affects Washington State Farm insureds who received UMPD payments for accidents between January 13, 2019 and February 27, 2026

What you can get

Key dates

Who may qualify

• You are a State Farm insured and your vehicle repairs were covered under the UMPD provision of a policy issued in Washington
• The accident happened between January 13, 2019 and February 27, 2026
• The repair estimate (including any supplements) totaled at least $1,000
• The vehicle was no more than six years old (model year plus five years) and had less than 90,000 miles at the time of the accident
• The vehicle had structural (frame) damage, deformed sheet metal, and/or needed body or paint work
• Leased vehicles and vehicles declared a total loss are excluded

How to file

1. Find the green, two-page Claim Form that came with your Individual Notice
2. Fill it out, sign it, and mail it postmarked by December 14, 2026
3. Or submit your claim online at https://www.washingtonumpdsettlement.com/ by December 14, 2026
4. Submit a separate Claim Form for each qualifying accident

Proof required

• The official site does not list any supporting documents for a claim
• Complete and sign the green Claim Form from your Individual Notice

Payment timing

Payments will be sent after the Court grants final approval and all appeals are concluded. Check https://www.washingtonumpdsettlement.com/ for status updates and payment method details.

Important links

• Official website
• Important dates
• FAQs
• Documents

Contact

Extra details

• Case name: Hardy v. State Farm Mutual Automobile Insurance Company, Case No. 2:25-cv-00072-RSM, U.S. District Court, Western District of Washington, Judge Ricardo S. Martinez
• Your payment equals your repair cost divided by the total repair costs of all qualifying claimants, multiplied by the net settlement fund
• Any diminished value payment you already received from State Farm will be subtracted from your settlement payment
• Class Counsel will ask for attorneys' fees up to 21% of the fund plus costs, and $10,000 service awards each for Class Representatives Mr. Hardy and Mr. Santiago, all paid from the fund
• State Farm pays notice and administration costs separately
• The opt-out and objection deadlines (September 30, 2026) have passed
• If you do nothing, you get no money and are still bound by the settlement
• Class Counsel Stephen M. Hansen (253) 302-5955 and Scott P. Nealey (415) 231-5311 can answer questions at no charge
• Do not call the Court or State Farm about the settlement. They cannot help
• The only authorized website is www.washingtonumpdsettlement.com

FAQ

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