State Farm Total Loss Settlement (Louisiana Purchasing Fees): $28.39 Per Claimant, File by October 19, 2026

The case is Deborah Robin v. State Farm Mutual Automobile Insurance Company, Case No. 24-391-SDD-RLB, in the U.S. District Court for the Middle District of Louisiana. The plaintiff alleges that State Farm breached its insurance policies by not paying Louisiana insureds the full amount of purchasing fees when it paid out total loss claims.

When an insurer totals your car, it owes you the vehicle's actual cash value. The argument in these cases is that replacing a car also costs taxes and government fees, so a payment that leaves them out comes up short. The settlement defines purchasing fees as sales tax plus title fees (including transfer handling fees), notary fees, registration and license plate transfer fees, and tag fees.

State Farm says it complied with its policies and the law, has defenses to the claims, and denies all material allegations. The court has not ruled on the merits. Our total loss car payout lawsuit page explains the different theories behind these cases, including valuation adjustments and unpaid fees.

You are a class member if all of these are true:

• You were a Louisiana policyholder or insured of an applicable State Farm entity.
• You submitted a covered first-party private passenger auto physical damage claim, meaning a claim on your own policy, between May 17, 2022 and May 21, 2026.
• The claim resulted in a total loss payment from State Farm that did not include purchasing fees.

The class period runs about four years, from May 17, 2022 through May 21, 2026. The notice says people received it because State Farm's records indicate they may be in the class. Claims against another driver's State Farm policy (third-party claims), repairs that were not total losses, and total loss payments that already included the fees are outside this settlement. People who opted out by August 18, 2026 are also excluded.

State Farm will pay $28.39 to each eligible class member who submits a valid and timely claim. This is a flat amount, not a share of a fixed pool, so the number of people who file does not shrink your payment.

Item	Amount	Who pays
Payment to each valid claimant	$28.39	State Farm
Attorneys' fees and costs	Up to $205,000	State Farm, separately
Service award to Deborah Robin	$5,000	State Farm, separately

Because fees are paid on top of class payments, they do not reduce what you get. In exchange, class members who stay in give up any claim for purchasing fees on these total loss claims. Our guide to who pays the lawyers in a class action explains why that structure is less common.

1. If you got a mailed notice: sign the pre-filled claim form, tear it at the perforation, and mail it so it is postmarked by October 19, 2026.
2. If you got an email notice: use the link and the Claimant ID Number in the email to file on the official settlement website.
3. If you got neither: use the Make a Claim button on the official settlement website, or request a blank form through its Contact Us page or by calling (833) 319-9292.

The deadline is October 19, 2026 for online claims and for the postmark on mailed claims. Mail goes to Deborah Robin v. State Farm Mutual Automobile Insurance Co., c/o Kroll Settlement Administration LLC, P.O. Box 5324, New York, NY 10150-5324.

The official website includes an FAQ answer about whether settlement emails are legitimate. If an email asks for a fee or your bank password, it is not from the administrator; see our guide to settlement scams.

Event	Date
Class period	May 17, 2022 to May 21, 2026
Opt-out and objection deadline	August 18, 2026 (passed)
Final approval hearing	September 17, 2026, 10:00 a.m.
Claim deadline	October 19, 2026

As of September 2026, the settlement website has posted the motion for final approval but no final approval order, even though the September 17, 2026 hearing date has passed. Payments will not go out until the court approves the settlement and any appeals end. See how to check a settlement's status for where updates show up.

A different State Farm total loss case, Chadwick v. State Farm Mutual Automobile Insurance Co., Case No. 4:21-cv-1161, in the Eastern District of Arkansas, alleged that State Farm paid Arkansas insureds less than actual cash value by basing total loss payments on Audatex valuation reports that applied a "typical negotiation adjustment" to comparable vehicles. State Farm denies the allegations.

That settlement made $15,583,700 available and pays 68% of each claimant's typical negotiation adjustment amount, with an estimated average recovery of $489. It covered total loss claims on State Farm Mutual policies issued to Arkansas residents from November 29, 2016 through October 18, 2021. Its claim deadline was August 19, 2026, so it is closed to new claims. The administrator is Rust Consulting.

If you did not opt out of the Louisiana settlement by August 18, 2026, you will be bound by it if approved and will release your claim for unpaid purchasing fees, whether or not you file. Filing by October 19, 2026 is the only way to get the $28.39. See opting out or objecting for how releases work.

If you think State Farm undervalued the car itself, not just the fees, that is a separate issue. The total loss car payout page explains the valuation claims being brought against insurers, and a free case review can connect you with independent attorneys who handle them. Related insurance settlements include the Progressive stacked UM/UIM settlement and the Liberty Mutual Safeco UIM settlement. To collect here, file on the official settlement website linked above.