State Farm Washington UMPD Diminished Value Class Action Settlement — About $625 Average

Insurance · Washington · Claims Open

Current Status

Claims are open. A claim form must be submitted online or postmarked by December 14, 2026; the notice gives the date only, with no cutoff time or timezone. The deadline to opt out or object is much earlier, September 30, 2026. The court has granted preliminary approval and scheduled the final settlement hearing for October 30, 2026 at 11:00 a.m. before Judge Ricardo S. Martinez in Seattle. No final approval order has been entered and no payment date has been announced. If you received a notice from Kroll, the step to take now is to answer the three questions on the claim form, sign it and submit it before December 14.

What Changed Recently?

Kroll Settlement Administration mailed notices and pre-printed claim forms to the people on State Farm's class list, and the claim portal at the official settlement website is accepting submissions. The settlement resolves Hardy v. State Farm Mutual Automobile Insurance Company, Case No. 2:25-cv-00072-RSM, filed in the U.S. District Court for the Western District of Washington on January 13, 2025 and amended on March 19, 2025 to add a second named plaintiff. The parties signed the settlement agreement in late May 2026.

The lawsuit alleges that when a car sustains structural or body damage, it cannot be restored to its pre-accident condition and loses market value, a loss known as diminished value. The plaintiffs claim State Farm's Washington auto policies owed that loss under underinsured motorist property damage coverage, called UMPD, and that State Farm failed to pay it or paid too little, a breach of the insurance contract. State Farm denies the allegations, says it paid the full and appropriate amounts for diminished value where applicable, and settled without admitting any wrongdoing.

This is the second Washington diminished value settlement involving a State Farm company. The earlier one, Sanith v. State Farm Fire and Casualty Company, paid $2.09 million to claimants in July 2025 for accidents from March 2012 through February 2024; our coverage is on the State Farm Fire and Casualty diminished value page. The Hardy settlement covers State Farm Mutual Automobile Insurance Company policies and a later class period, and it has its own claim form.

Who Qualifies?

The settlement class covers State Farm Mutual Automobile Insurance Company insureds with a policy issued in Washington whose vehicle damage was paid under underinsured motor vehicle property damage coverage for an accident with a date of loss from January 13, 2019 through February 27, 2026, where all three of the following are true:

• The repair estimates on the vehicle, including any supplements, totaled at least $1,000.

• The vehicle was no more than six years old, meaning the model year plus five years, and had fewer than 90,000 miles at the time of the accident.

• The vehicle suffered structural or frame damage, deformed sheet metal, or required body or paint work.

Leased vehicles and total losses are excluded, along with the assigned judge and the judge's staff and family. Claims limited to glass, tires or a sound system, or any combination of those three, are not eligible for payment. The class list is drawn from State Farm's own claim records as of February 27, 2026, and the agreement makes that list controlling. Someone with two or more qualifying accidents received a separate claim form for each and must submit each one.

How Much Can You Get?

The notice estimates that the average payment for a qualified claimant will be in the range of $625. That figure is an estimate; the actual amount depends on your repair cost and on how many valid claims are filed.