Farmers Insurance TCPA Settlement: How to Claim Up to $425 for Unwanted Calls and Texts
A $2,875,000 settlement will pay eligible consumers up to $425 each for unwanted telemarketing calls and text messages that allegedly violated the Telephone Consumer Protection Act's (TCPA) Do-Not-Call protections. The settlement resolves Starling v. Farmers Insurance Exchange, No. 26SL-CC00138 (Mo. Cir. Ct., St. Louis County), over calls and texts that insurance agents Todd Henderson Insurance Agency, Inc. and R. Todd Henderson made marketing Farmers® insurance to numbers on the National Do-Not-Call Registry, in alleged violation of the TCPA, 47 U.S.C. § 227.
Who qualifies and how to file a claim
You may be a class member if you received two or more such telemarketing calls or text messages between October 8, 2020 and March 13, 2026, and your cell phone number appeared on a list produced in the litigation. Class members who submit a valid claim can receive a pro rata share of the settlement fund — up to $425, though the amount may be less depending on how many claims are filed.
The key deadlines, per the court-approved notice, are:
- Submit a claim by July 24, 2026 — the only way to receive a payment.
- Exclude yourself or object by July 7, 2026 — to keep your right to sue separately, or to tell the court why you disagree with the settlement.
A Missouri court still must give final approval before any payments are made. This case is a reminder that the TCPA gives consumers a private right of action — generally $500 per call or text, and up to $1,500 for willful violations — and that placing your number on the Do-Not-Call Registry is a key protection. Courts have increasingly confirmed those protections reach modern marketing methods, including text messages sent to Do-Not-Call numbers.
The Wood Law Firm represents consumers in Do-Not-Call and robocall matters under the TCPA. If you have received repeated unwanted calls or texts, you can review your options with no obligation online or by telephone.
