State Farm Arkansas Total-Loss Settlement: Approved, Not Yet Paid

At a glance

Status

Approved, awaiting payment

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 September 9, 2026

Key dates

Milestone	Date	What it means
Claim deadline	August 19, 2026(passed)	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:

Verify on the official site

www.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 September 9, 2026, this case has moved past every class-member deadline. 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. The claim-filing window itself ran through August 19, 2026, and it has now closed.

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. Claimants still had to identify themselves and their claim, typically with the Unique ID and Web Registration Code that the settlement notice assigned to their record.

If you never received a notice by mail and believe you were eligible, contact the administrator directly to ask what your record shows rather than guessing at your claim details.

How to file

The administrator handling claims is Rust Consulting. The filing window closed on August 19, 2026, so no new claim can be submitted through the settlement. As of September 9, 2026, the settlement's own website, statefarmartotallosslitigation.com, is still returning a server-side access block and is not reliably reachable, so this page does not link it directly. If you filed and want to check on your claim, your mailed notice 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 settlement's status 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, the deadline to file was August 19, 2026, and that window has closed.

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.