Tuesday, September 02, 2025

An Arkansas jury found recently that State Farm shortchanged customers who had been in accidents that left their cars "totaled"

State Farm calculated the replacement cost, she decided to bring her case to court. Her lawyers alleged that the company used technology to estimate the amount of buying a replacement. That program factored into the calculation the potential for the car buyer to negotiate a discount from used car dealers — a haggling discount that Chadwick's attorneys argued was no longer consistent with how modern-day used cars are priced and sold.

"The computer program that State Farm used to calculate the replacement value of the car, did it systematically unfairly," said Chadwick's attorney, Brian Glasser. Glasser says his firm argued that commonly used software systematically low-balled the value of total-loss cars for tens of thousands of drivers across the country.

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