State Farm Lawsuits: What's Settled, What's Active, What Just Closed
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State Farm - the largest U.S. home and auto insurer - faces a steady docket of claims-handling lawsuits. Right now that means two settlements with recently closed windows (Arkansas total-loss, deadline August 19, 2026; Missouri depreciation, April 2, 2026), an Oklahoma hail-claims case the state attorney general joined, and a California wildfire-claims investigation. Here is each one, verified.
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Reviewed by Leonard Goldberg, Editor · Last updated
The Cases That Matter in 2026
Total-loss valuations (Chadwick, Arkansas): when totaling cars, State Farm's valuation vendor applied a 'typical negotiation adjustment' that cut comparable-vehicle prices - systematically lowering payouts. Settled for $15,583,700.
Labor depreciation (Pregon, Missouri): State Farm allegedly depreciated labor and other non-material costs when paying actual-cash-value claims on damaged buildings - a practice several states' courts have rejected - settled for $25 million.
Hail claims (Hursh, Oklahoma): homeowners allege a coordinated 'Hail Focus Initiative' to limit roof payouts; the Oklahoma attorney general intervened in December 2025.
California wildfires: the insurance department opened a formal investigation into State Farm's handling of 2025 wildfire claims.
Case Details
Chadwick v. State Farm Mutual Automobile Insurance Co., E.D. Ark. No. 4:21-cv-01161 (final approval hearing July 15, 2026). Pregon v. State Farm Fire and Casualty Co., Missouri Circuit Court No. 24SL-CC03130 (administrator JND, pregon-v-statefarm.com, 877-206-2313). Hursh v. State Farm, Oklahoma (AG intervention December 2025).
Status: Two Claim Windows Just Closed - Two Fights Ongoing
Missouri depreciation (Pregon): claims closed April 2, 2026; the final approval hearing was March 3, 2026; distribution follows approval and any appeals.
Oklahoma hail (Hursh): active litigation with the AG involved - no settlement.
California wildfire handling: regulatory investigation plus individual bad-faith suits - no class fund.
Who Qualifies for Anything Now
The two settlements' windows are closed - filers wait for distribution; non-filers cannot join. What remains live:
• Oklahoma roof/hail denials: Hursh is active - affected homeowners should preserve denial letters and inspection reports and can seek counsel
• California wildfire claimants: document everything and file complaints with the Department of Insurance - the investigation runs on consumer records
• Any state: individual bad-faith and underpayment suits remain available on your own policy - most insurance attorneys review denials free
• Total-loss and labor-depreciation theories keep producing NEW class actions state by state - if your totaled-car payout or ACV building payment looks shaved, that is worth a consult regardless of these settlements
What These Cases Actually Pay
How cases like this one end
Our copy of the federal courts’ own case database covers 133,968 insurance casesclosed in U.S. federal district courts between 2015 and 2025, 1.1% of them filed as class actions:
- 46.4% ended in a settlement recorded by the court. Another 19.7% were dismissed voluntarily, which often follows a private settlement — so the real settlement share sits between 46.4% and 66%.
- 6.7% were decided on a motion before any trial.
- 1 in 148 reached a trial (0.7%), after a median of 22.8 months.
- Median time from filing to the end of the case: 8.8 months.
- Only 1,306 of them (1%) record a money award at all; the median of those is $317,000.
These are base rates for this type of case (federal insurance cases) — not a prediction about this lawsuit, and not legal advice. Source: Federal Judicial Center, Integrated Database (civil), analysed by Settlement Insight. Cases heard in state courts are not included.
State Farm Litigation Timeline
- 1
2018 — Hale v. State Farm: $250M
The decades-long Avery saga ends with a $250M settlement mid-trial.
- 2
2021 — Chadwick Filed in Arkansas
Total-loss 'typical negotiation adjustment' class action; certified and settled for $15.58M.
- 3
2024 — Pregon Filed in Missouri
Labor-depreciation ACV class action; $25M settlement follows.
- 4
December 2025 — Oklahoma AG Joins Hursh
State intervention over the alleged 'Hail Focus Initiative' roof-claims program.
- 5
2026 — Windows Close, Wildfire Probe Runs
Pregon claims close April 2; Chadwick closes August 19; California's investigation continues.
Watch Out For
Insurance-settlement queries attract three traps:
'State Farm class action - everyone qualifies' posts
Each real settlement is state- and period-specific (Arkansas total-loss, Missouri ACV). Nationwide 'State Farm payout' promises are fabricated.
Claim-filing services for closed windows
Both 2026 deadlines have passed. Paying someone to 'still get you in' buys nothing - late claims aren't accepted.
Signing away bad-faith rights cheap
After storms and fires, quick releases circulate. A release signed for a fast partial payment can bar the exact claims these lawsuits vindicate - read before signing, or have a lawyer do it free.
State Farm Lawsuit - FAQ
Is there a State Farm settlement I can still claim?
Not today. The two 2026 settlements closed their claim windows on April 2 (Missouri Pregon) and August 19 (Arkansas Chadwick). Filers wait for distribution; new claimants cannot join.
What was the Arkansas total-loss settlement?
Chadwick v. State Farm ($15.58M): Arkansas total-loss claims from Nov 29, 2016 - Oct 18, 2021 whose valuations used a 'typical negotiation adjustment'. Valid claims recover ~68% of the adjustment, averaging about $489.
What is the Missouri Pregon settlement?
A $25M deal over labor/non-material depreciation deducted from actual-cash-value payments on Missouri structural claims (losses June 5, 2012 - October 2017). Claims closed April 2, 2026; payments follow approval and appeals.
What is the 'Hail Focus Initiative' case?
Hursh v. State Farm in Oklahoma alleges a coordinated program to limit roof/hail payouts; the Oklahoma attorney general intervened in December 2025. Active litigation - no settlement, no fund.
What about State Farm and the California wildfires?
The California Department of Insurance opened a formal investigation into wildfire-claims handling; individual bad-faith suits are running in parallel. Affected policyholders should document and file DOI complaints - that record drives both tracks.
My totaled-car payout looks low - what can I do?
Demand the full valuation report and check for adjustments to comparable-vehicle prices. The TNA theory has now produced settlements in several states - an insurance attorney can tell you free whether your state has an active case.
Has State Farm admitted wrongdoing in any of this?
No - both 2026 settlements deny liability, and the Oklahoma and California matters are unresolved. The 2018 $250M Hale settlement likewise ended without an admission.
Separate from this case: were you injured in the last 2 years?
Class-action payouts are fixed amounts through an administrator. A personal injury claim is a different case — and often worth far more. Free estimate, no obligation.