State Farm Arkansas Total-Loss Settlement: Claim Deadline Aug 19
At a glance
- Status
- Closing soon
- Defendant
- State Farm Mutual Automobile Insurance Company
- Settlement fund
- $15,583,700
- Claim deadline
- August 19, 2026
- No-proof cash option
- Yes
- Max documented payout
- Not publicly disclosed
- Administrator
- Rust Consulting
- Official site
- www.statefarmartotallosslitigation.com
- Court
- United States District Court, Eastern District of Arkansas
- Case number
- Chadwick v. State Farm Mutual Automobile Insurance Company, No. 4:21-cv-01161
Last verified July 23, 2026
Key dates
| Milestone | Date | What it means |
|---|---|---|
| Claim deadline | August 19, 2026 | Last day to file for a payment |
| Opt-out (exclusion) deadline | June 25, 2026(passed) | Last day to leave the settlement and keep the right to sue |
| Objection deadline | June 15, 2026(passed) | Last day to object to the terms |
| Final approval hearing | July 15, 2026(passed) | When the judge decides whether to approve the settlement |
| Expected payout | Not yet scheduled | Payments are not sent until after final approval and any appeals |
Where to file
State Farm Arkansas Total-Loss Valuation Settlement (Chadwick v. State Farm) is administered by Rust Consulting. The only place to file is the official settlement website:
File at the official sitewww.statefarmartotallosslitigation.com
Filing is free. No legitimate settlement charges a fee to file a claim.
You cannot file on RecordingLaw.com. We are an independent publisher, not the settlement administrator, and we are not affiliated with any court, agency, or defendant.
What this settlement is about
If your vehicle was declared a total loss under a State Farm auto policy in Arkansas, the insurer owed you the vehicle's actual cash value, what a comparable vehicle would have sold for in the local market right before the loss. This is called a first-party claim: a claim you make on your own policy, not on someone else's.
The lawsuit, Chadwick v. State Farm Mutual Automobile Insurance Company, alleges that State Farm used a valuation vendor's report that applied something called a "typical negotiation adjustment." That adjustment reduced the value of comparable vehicles used to calculate a payout, on the theory that a buyer would typically negotiate the price down from the sticker figure. Plaintiffs argued that adjustment was not disclosed and improperly lowered what Arkansas policyholders were paid on their total-loss claims.
State Farm has not admitted wrongdoing. Settling a class action is not the same as losing a lawsuit; it resolves the dispute without a trial.
Where this stands right now
As of July 2026, this case has moved through most of its milestones. U.S. District Judge D.P. Marshall Jr., of the Eastern District of Arkansas in Little Rock, granted preliminary approval of the settlement on March 27, 2026. That approval opened the claims process and set the remaining deadlines.
Two of those deadlines have already passed. The deadline to object to the settlement's terms was June 15, 2026. The deadline to exclude yourself from the class, meaning to opt out and keep your own right to sue State Farm separately, was June 25, 2026. Both of those windows are closed now. If you did nothing by those dates, you are automatically part of the class (unless you affirmatively excluded yourself), which is actually what most eligible policyholders will want if they intend to file a claim.
The court held a final approval hearing on July 15, 2026, in Little Rock, where the judge considered whether the settlement is fair to the class before signing off on it completely. What remains open is the claim-filing window itself, which runs through August 19, 2026.
It is worth being precise about the court: this case is in federal court, the U.S. District Court for the Eastern District of Arkansas, not Arkansas state court. The case number is 4:21-cv-01161.
Who is in the class
You are potentially eligible if all of the following are true:
- You had a State Farm Mutual Automobile Insurance Company policy in Arkansas.
- You filed a first-party claim (a claim on your own policy, not a claim against someone else's State Farm policy).
- State Farm declared your vehicle a total loss.
- The loss date falls between November 29, 2016 and October 18, 2021.
- Your actual cash value payout applied the typical negotiation adjustment from the Audatex valuation report to the comparable vehicles used to price your car.
If your total loss fell outside that six-year window, or your insurer was a different company, or your policy was commercial rather than personal auto, this settlement does not apply to you.
How much people realistically get
Lead with the realistic number, not the fund total. The settlement fund is $15,583,700, and the court's order states the estimated average recovery is approximately $489 per eligible claim. That is a court estimate, not a promise. Your actual payment depends on how many valid claims are ultimately filed, and on what the court approves for attorneys' fees and administrative costs before the remaining fund is divided pro rata among claimants.
A reader whose adjustment was small will recover less than a reader whose adjustment was large, because payouts trace back to the actual dollar amount of the negotiation adjustment applied to that specific claim, not a flat per-person figure. Nobody should plan around receiving exactly $489.
What proof is needed
The settlement is structured as a no-proof claim for eligible class members. Because State Farm's own claims records already show whether a policy had a total loss in the class period and whether the negotiation adjustment applied, most eligible claimants should not need to dig up old paperwork to establish that a payout adjustment happened. You will still need to identify yourself and your claim, typically with the Unique ID and Web Registration Code that the settlement notice assigned to your record.
If you never received a notice by mail and believe you may be eligible, contact the administrator directly rather than guessing at your claim details.
How to file
The administrator handling claims is Rust Consulting. As of July 2026, the settlement's own website, statefarmartotallosslitigation.com, is returning a server-side access block and is not reliably reachable, so this page does not link it directly. If you received a mailed notice, it should have your Unique ID and Web Registration Code; use those with the administrator rather than searching for the site independently. If you cannot locate your notice or reach the administrator, the underlying court docket for Chadwick v. State Farm Mutual Automobile Insurance Company, case 4:21-cv-01161 in the Eastern District of Arkansas, is a reliable place to confirm the claims process and deadlines directly from the court record.
If you're not sure you're covered, or you missed a deadline
If you excluded yourself by the June 25, 2026 deadline, you are out of this settlement and retain your own right to sue, but you cannot also file a claim here. If you did not exclude yourself and you believe you had a qualifying total loss in the class period, you can still file a claim through August 19, 2026.
If your total loss falls outside the November 29, 2016 to October 18, 2021 window, this settlement will not cover you, but Arkansas policyholders who believe their insurer undervalued a total-loss payout more generally can file a complaint with the Arkansas Insurance Department, which handles consumer complaints against insurers licensed in the state.
Separately from this settlement, anyone concerned about identity theft or unauthorized use of their information after any insurance claim should know that a free credit freeze at all three major credit bureaus is one of the strongest protections available, and IdentityTheft.gov is the federal government's free resource for reporting and recovering from identity theft.
Frequently Asked Questions
What is the deadline to file a claim in the State Farm Arkansas total-loss settlement?
The claim deadline is August 19, 2026. As of July 23, 2026, that window is still open, roughly four weeks away.
Can I still object to or opt out of the State Farm settlement?
No. The objection deadline was June 15, 2026, and the exclusion (opt-out) deadline was June 25, 2026. Both have passed as of the current claim-filing period. You can still file a claim through August 19, 2026 if you did not exclude yourself.
How much money will I get from the State Farm total-loss settlement?
The court's order in Chadwick v. State Farm estimates an average recovery of approximately $489 per eligible claim, paid pro rata from a $15,583,700 fund. Your actual amount depends on your specific negotiation adjustment and on how many total claims are filed; no specific amount is guaranteed.
Who is eligible for the State Farm Arkansas total-loss settlement?
Arkansas State Farm auto policyholders who filed a first-party total-loss claim between November 29, 2016 and October 18, 2021, where the actual cash value payout applied a typical negotiation adjustment from an Audatex comparable-vehicle report, may be eligible.
Is this a state court or federal court case?
It is a federal case. Chadwick v. State Farm Mutual Automobile Insurance Company is pending in the U.S. District Court for the Eastern District of Arkansas, case number 4:21-cv-01161, before Judge D.P. Marshall Jr.
Do I need to submit documents to prove my claim?
This settlement does not require additional proof of loss beyond what State Farm's own claims records already show for a qualifying total loss in the class period. You will need your Unique ID and Web Registration Code from your settlement notice to file.
Why can't I find the official settlement website?
As of July 2026, statefarmartotallosslitigation.com is returning a server-side access error and is not reliably reachable. If you have a mailed notice, use the ID codes on it to contact the administrator, Rust Consulting, directly. The court docket for case 4:21-cv-01161 is a reliable alternative source for the claims process.
Was the final approval hearing already held?
Yes. The final fairness hearing took place July 15, 2026, in Little Rock, where the judge considered whether the settlement's terms are fair to the class before final sign-off.
Is the settlement payment taxable?
It depends on what the payment replaces. Consult a tax professional about your specific situation; the IRS provides general guidance on settlement and litigation payment taxability at IRS.gov.
How to tell a settlement notice is real
Check the case name, case number, and court against the official settlement site. Go to that site directly instead of clicking a link in an email or text. Nobody legitimate will call, text, or email out of the blue asking for your Social Security number, bank account, or card details, and nobody will charge you to file. Report anyone who does at ReportFraud.ftc.gov.
Informational only. Not legal, tax, or financial advice, and not affiliated with any settlement.
RecordingLaw.com is an independent legal-information publisher. We are not a law firm, not a settlement administrator, and not affiliated with, endorsed by, or acting on behalf of any court, government agency, defendant, or claims administrator described on this page. Reading this page does not create an attorney-client relationship.
We do not process claims and we never collect your claim information. You cannot file a claim on RecordingLaw.com. To file, opt out, object, or check your status, use only the official settlement administrator identified above. We link to it for your convenience.
Filing a legitimate claim is free. No legitimate settlement or administrator will charge you a fee to file, or ask for your Social Security number, bank, or card details by unsolicited call, text, or email. If someone does, it is likely a scam. Report it at ReportFraud.ftc.gov.
Deadlines, amounts, and approval status change and are set by the court. We verify against the official administrator and court records, but confirm the current details on the official site before acting. Nothing here guarantees eligibility, a payment, or any amount. Settlement payments may be taxable. See IRS Publication 4345. and consult a tax professional. For advice about your specific situation, consult a licensed attorney in your state. Affiliate disclosure.
Sources and References
- Chadwick v. State Farm Mutual Automobile Insurance Company, 4:21-cv-01161 (E.D. Ark.) docket, CourtListener/RECAP(courtlistener.com)
- Arkansas Insurance Department: File a Consumer Complaint(insurance.arkansas.gov).gov
- Arkansas Insurance Department: Consumer Services(insurance.arkansas.gov).gov
- IdentityTheft.gov: Report and Recover from Identity Theft(identitytheft.gov).gov
- IRS Publication 4345, Settlements: Taxability(irs.gov).gov