OKLAHOMA COUNTY • CJ-2026-1537
Ryan Hudspeth v. State Farm Mutual Automobile Insurance Company
What's This Case About?
Insurance giant State Farm is being accused of a six-month bureaucratic shell game that left a man with a burned-out Range Rover and less than $7,000 in his pocket — despite the vehicle being worth over twice that. And no, we’re not talking about some clunker. We’re talking about a 2014 Range Rover Autobiography, the kind of SUV that says “I’ve made it” — or at least, “I’ve spent a lot of money trying to look like I have.”
Meet Ryan Hudspeth, a regular guy from Jones, Oklahoma, who just wanted his insurance company to do what insurance companies are supposed to do: pay up when disaster strikes. In May 2025, Hudspeth’s luxury SUV — fully insured through State Farm — caught fire and was declared a total loss. That part wasn’t in dispute. What is in dispute is what happened next: a slow-motion nightmare of delays, contradictory claims, and a valuation so low it borders on insulting.
At first, State Farm didn’t even acknowledge the vehicle was totaled. For six months — from May to November — the company insisted the Rover could be repaired. Never mind that it had been on fire. They sent Hudspeth two checks totaling over $12,000 under separate claim numbers, supposedly for repairs. So, like any reasonable person would, he paid $6,400 of that to a repair shop. But here’s the kicker: the shop quickly realized the car was not fixable. It was a smoldering hulk of British engineering. So Hudspeth did the only thing he could — he kept the remaining $5,700, figuring it was his to hold until the claim was settled.
Then came the twist. In November, after half a year of pretending the car wasn’t totaled, State Farm finally admitted defeat and issued a formal total loss valuation — but not before outsourcing the math to CCC Intelligent Solutions, a third-party data firm whose name sounds like a robot from a dystopian future. Their report valued the Rover at a base of $16,175, then slapped on a $2,000 deduction for “prior damage” — a deduction Hudspeth says is made up out of thin air. After some minor adjustments, the final “adjusted value” landed at $15,201. Not bad, right? Except Hudspeth’s own research — and common sense — says the retail replacement value was over $22,000. That’s a difference of nearly $7,000 that State Farm allegedly tried to save by gaming the system.
But wait — it gets worse. In a December 2025 letter (Exhibit B, because of course it’s Exhibit B), State Farm dropped the hammer: they weren’t just undervaluing the car — they were demanding money back. They deducted the $12,000 they’d already paid him for repairs — repairs they had authorized while insisting the car wasn’t totaled — and offered Hudspeth a grand total of $6,983.76 for the entire ordeal. Let that sink in. A six-figure vehicle brandished by Oklahoma’s finest (relatively speaking) SUV drivers, reduced to seven thousand bucks after fire, fraud, and corporate double-talk.
Now, Hudspeth isn’t just suing for breach of contract — the basic “you promised to cover my car, you didn’t” argument — he’s going nuclear with a bad faith claim. In Oklahoma, insurers have a legal duty to act fairly and honestly with their policyholders. They can’t play games, delay claims, or use shady third-party tools to lowball payouts. And according to Hudspeth’s lawyers, State Farm didn’t just mess up — they systematically undervalued his car using a methodology they knew was flawed. The petition even alleges that State Farm has been using CCC’s reports for years to “intentionally underpay total loss claims in Oklahoma to save many millions of dollars.” If true, this isn’t a mistake. It’s a pattern. A scam. A corporate strategy dressed up as “market valuation.”
So what does Hudspeth want? $74,500 — the maximum he’s willing to sue for. That includes compensatory damages (to cover the actual value of the car and his losses), attorney’s fees, and yes, punitive damages, because the court needs to send a message: you don’t mess with people’s livelihoods and then charge them for the privilege. Is $74,500 a lot? For a Range Rover? Not really. For a lawsuit against one of the largest insurance companies in America? It’s a rounding error — which is probably why they thought they could get away with it.
Here’s the thing we can’t get over: State Farm spent six months telling Hudspeth the car could be fixed, sent him money to fix it, then turned around and said, “Surprise! It’s totaled — and by the way, give us most of that money back.” That’s not just bad faith. That’s cartoon villain levels of corporate gaslighting. If Hudspeth had been a little less patient, a little less trusting, he might have looked like the bad guy. But the paper trail — the checks, the reports, the contradictory letters — tells a different story. It tells the story of an insurance company playing both sides of the field, and a regular guy caught in the middle.
We’re rooting for Hudspeth not because he owns a fancy SUV, but because he’s fighting for the principle: when you pay your premiums, you’re not just buying coverage — you’re buying trust. And State Farm, according to this filing, burned that trust right along with the Rover. Jury trial demanded? Absolutely. This one’s going to the people — and we’ll be watching with popcorn in hand.
Case Overview
$74,500 Demand
Jury Trial
Petition
Jurisdiction
District Court, Oklahoma
Relief Sought
$74,500 Monetary
$1 Punitive
Plaintiffs
-
Ryan Hudspeth
individual
Rep: Ben Hilfiger
Defendants
Claims
| # | Cause of Action | Description |
|---|---|---|
| 1 | breach of contract | State Farm allegedly failed to properly pay Ryan Hudspeth for his totaled vehicle. |
| 2 | bad faith | State Farm allegedly acted in bad faith by underpaying Hudspeth for his totaled vehicle and failing to properly investigate the damage. |
Petition Text
8,513 wordsIN THE DISTRICT COURT OF OKLAHOMA COUNTY, STATE OF OKLAHOMA
RYAN HUDSPETH
Plaintiffs,
V.
STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY,
Defendant.
FILED IN DISTRICT COURT
OKLAHOMA COUNTY
MAR - 2 2026
RICK WARREN
COURT CLERK
108
CASE NO.:
CJ - 2026 - 1537
JURY TRIAL DEMANDED
PETITION
COMES NOW Ryan Hudspeth ("Hudspeth" or Plaintiff") and files this Petition for breach of contract and bad faith claim against State Farm Mutual Automobile Insurance Company ("State Farm" or "Defendant").
A. Parties, Jurisdiction and Venue
1. Plaintiff Ryan Hudspeth is a citizen of the State of Oklahoma, residing in Jones, Oklahoma.
2. State Farm is a mutual insurance company licensed to do business as an insurance company in the State of Oklahoma.
3. State Farm delivered its automobile policy no. 4105651 – E22-36A (the "Policy") in question to Plaintiff Hudspeth in the State of Oklahoma.
4. State Farm conducts many millions of dollars of automobile insurance business in the State of Oklahoma.
5. This Court has jurisdiction over State Farm in this matter for the reasons that the injury occurred in this county and the amount in controversy in this action exceeds the jurisdictional minimum amount for this Court.
B. Limitation of Damages
6. Plaintiff Hudspeth seeks to recover both compensatory damages and punitive damages for State Farm’s bad faith in this action. However, Plaintiff Hudspeth explicitly limits his claim for compensatory and punitive damages and also any claim for attorney’s fees, interests, and costs to an aggregate amount not to exceed $74,500.
7. Plaintiff Hudspeth does not claim or seek to recover monetary damages of any kind exceeding $74,500 in total.
C. The Insured Vehicle
8. In May, 2025, Hudspeth owned a 2014 Range Rover vehicle (the “Rover”).
9. The Policy named Hudspeth as the insured and provided general liability and property damage coverage for the Rover. The Policy was in force on May 14, 2025.
10. On May 14, 2025, the Rover was rendered a total loss as a result of a fire.
11. The proper retail replacement value for the Rover is in excess of $22,000 (the “Replacement Value”).
D. COUNT ONE - Breach of Contract
12. Plaintiff re-states and incorporates herein paragraphs 1-11 of this Petition.
13. State Farm has breached the Policy by failing to properly pay such Replacement Value to Hudspeth.
E. COUNT TWO - Bad Faith
14. Plaintiff re-states and incorporates herein paragraphs 1-11 of this Petition.
15. Under Oklahoma law, a special relationship exists between an insurer and insured because of the unequal bargaining power between the insurer and the insured, and potential for the insurer to unscrupulously exert that power.
16. The special relationship creates a non-delegable duty of good faith and fair dealing owed by the insurer to the insured.
17. In addition to breach of contract, an insurer’s breach of this duty gives rise to a separate cause of action sounding in tort.
18. State Farm cannot avoid tort liability by purporting to delegate valuation of the Rover to a third party.
19. State Farm’s duty of good faith and fair dealing to Hudspeth includes the duty to timely and fairly investigate and value a total loss claim, to exercise good faith in all aspects of the claims handling process, and to timely and properly pay the total loss claim for the Rover.
20. The bad faith of State Farm involves multiple intentional and wrongful actions by State Farm.
21. First, State Farm failed to properly investigate the damage and loss to the Rover.
22. From May until November, 2025, State Farm intentionally wrongfully claimed that the damage to the Rover was repairable and failed and refused to declare the Rover a total loss.
23. Finally, nearly six months after the total loss of the Rover, State Farm sent Hudspeth a purported total loss valuation report prepared by the third-party CCC Intelligence Solutions, Inc. (the “CCC Report”) dated November 20, 2025.
24. A true and correct copy of the CCC valuation is filed herewith as Exhibit A. The CCC Report states a “vehicle base value” of $16,175, which understates the Replacement Value of the Rover by thousands of dollars.
25. After an inadequate upward condition adjustment of $1,026 and an improper and statistically invalid deduction for alleged prior damage, the CCC Report purports to state “adjusted vehicle value” in the amount of $15,201.
26. This CCC valuation is statistically invalid and has the specific intended purpose, known to State Farm, of improperly valuing this total loss to save State Farm thousands of dollars.
27. For many years, State Farm has had actual knowledge that the CCC valuation methodology is statistically invalid and systematically undervalues the fair replacement value of total loss vehicles insured by State Farm in Oklahoma.
28. State Farm has utilized CCC valuations for the wrongful and bad faith purpose of intentionally underpaying total loss claims in Oklahoma to save many millions of dollars.
29. CCC improperly told Hudspeth that the Rover was repairable. State Farm improperly delegated to Hudspeth the responsibility to deal directly with the repair shop and to pay the repair shop. State Farm sent Hudspeth two separate checks totaling $12,225.05 under two separate claim numbers for repairs.
30. In good faith, Hudspeth paid $6,421.06 of these proceeds to a repair shop, when State Farm knew or should have known the Rover was not repairable.
31. When Hudspeth finally realized that the Rover was not repairable, he properly retained the balance of the State Farm payment in the amount of $5,691.99.
32. State Farm’s bad faith becomes even more egregious. State Farm sent Hudspeth a letter dated December 9, 2025 (the “Letter”), which is filed herewith and incorporated herein as Exhibit B. This Letter incorporates the undervaluation of the Rover, based upon the CCC Report.
33. The Letter takes the intentionally wrongful and egregious bad faith action of deducting $8,468.03 from the amount payable for the total loss of the Rover.
34. In the Letter, State Farm sent Hudspeth a revised valuation offer to pay Hudspeth $6,983.76.
35. This offer deducts substantially all of the $12,023.05 payment which State Farm previously paid to Hudspeth.
36. This amount is apparently based on monies expended by State Farm during the period that State Farm wrongfully refused to declare the Rover as a total loss.
37. State Farm has also intentionally and wrongfully failed to pay a pro rata refund of Policy premium to Hudspeth.
38. State Farm’s conduct in failing to properly adjust the Rover total loss has been intentionally wrongful and in bad faith. Punitive damages are appropriate and fully justified under Oklahoma law to punish and deter State Farm with respect to such conduct in this case.
WHEREFORE, Plaintiff Ryan Hudspeth respectfully demands compensatory damages, including interest, costs and attorney’s fees under Count One and punitive damages under Count Two in such amount as proof at trial may show, but not to exceed $74,500.00.
PLAINTIFF DEMANDS TRIAL BY JURY.
Respectfully submitted,
Ben Hilfiger, OBA #34057
Cook and Hilfiger Law Office
417 W. Broadway
Muskogee, OK 74401
Phone: 918-683-4445
Fax: 918-683-1828
[email protected]
OF COUNSEL
Jonathan H. Waller (asb-0725-I53j)
WALLER LAW OFFICE, PC
505 20th Street North, Suite 1600
Phone: (205) 313-7330
Email: [email protected]
(pro hac motion to be immediately filed)
CERTIFICATE OF SERVICE AND ELECTRONIC SUBMISSION
On March 2, 2026, I certified mailed 3 copies of this Petition to:
SERVE DEFENDANT AS FOLLOWS:
Oklahoma Insurance Department
Attn: Legal Division
400 NE 50th St.
Oklahoma City, OK 73105
And/or
STATE FARM MUTUAL
AUTOMOBILE INSURANCE
COMPANY
One State Farm Plaza
Bloomington, IL 61710-0001
/s/ Ben Hilfiger
Ben Hilfiger
EXHIBIT A
MARKET VALUATION REPORT
Prepared for STATE FARM INSURANCE COMPANIES
REPORT SUMMARY
CLAIM INFORMATION
Owner
Hudspeth, Ryan
11720 E Memorial Rd
Jones, OK 73049-8757
Loss Vehicle
2014 Land Rover Range Rover Autobiography 4WD w/Long Wheelbase
Loss Incident Date
06/22/2025
Claim Reported
11/11/2025
INSURANCE INFORMATION
Report Reference Number
128227317
Claim Reference
36-86Q6-77S01
Claim Rep
Chapman, Shaylene
Appraiser
Pierce, Matthew
Odometer
161,009
Last Updated
11/20/2025 08:22 AM
VALUATION SUMMARY
Base Vehicle Value
$16,175.00
Condition Adjustment
+ $1,026.00
Prior Damage*
- $2,000.00
Adjusted Vehicle Value
$15,201.00
Vehicular Tax (4.3108%)
+ $655.29
Tax reflects applicable state, county and municipal taxes.
Value before Deductible
$15,856.29
Deductible*
- $500.00
Total
$15,356.29
The CCC ONE® Market Valuation Report reflects CCC Intelligent Solutions Inc.'s opinion as to the value of the loss vehicle, based on information provided to CCC by STATE FARM INSURANCE COMPANIES.
Loss vehicle has 15% greater than average mileage of 140,500.
BASE VEHICLE VALUE
This is derived per our Valuation methodology described on the next page.
ADJUSTED VEHICLE VALUE
This is determined by adjusting the Base Vehicle Value to account for the actual condition of the loss vehicle and certain other reported attributes, if any, such as refurbishments and after factory equipment.
Adjustments indicated with an Asterisk (*) have been determined by STATE FARM INSURANCE COMPANIES and have been added here for convenience.
The total may not represent the total of the settlement as other factors (e.g. license and fees) may need to be taken into account.
Inside the Report
Valuation Methodology.............................2
Vehicle Information.................................3
Vehicle Condition....................................7
Comparable Vehicles...............................9
Valuation Notes......................................15
Supplemental Information.........................16
CCC ONE MARKET VALUATION REPORT
VALUATION METHODOLOGY
How was the valuation determined?
CLAIM INSPECTION
STATE FARM INSURANCE COMPANIES has provided CCC with the zip code where the loss vehicle is garaged, loss vehicle VIN, mileage, equipment, as well as loss vehicle condition, which is used to assist in determining the value of the loss vehicle.
DATABASE REVIEW
CCC maintains an extensive database of vehicles that currently are or recently were available for sale in the U.S. This database includes vehicles that CCC employees have physically inspected, as well as vehicles advertised for sale by dealerships or private parties. All of these sources are updated regularly.
SEARCH FOR COMPARABLES
When a valuation is created the database is searched and comparable vehicles in the area are selected. The zip code where the loss vehicle is garaged determines the starting point for the search. Comparable vehicles are similar to the loss vehicle based on relevant factors.
CALCULATE BASE VEHICLE VALUE
Adjustments to the price of the selected comparable vehicles are made to reflect differences in vehicle attributes, including mileage and options. Dollar adjustments are based upon market research.
Finally, the Base Vehicle Value is the weighted average of the adjusted values of the comparable vehicles based on the following factors:
• Source of the data (such as inspected versus advertised)
• Similarity (such as equipment, mileage, and year)
• Proximity to the loss vehicle's primary garage location
• Recency of information
CCC ONE MARKET VALUATION REPORT
VEHICLE INFORMATION
VEHICLE DETAILS
Location JONES, OK 73049-8757
VIN SALGV3TF1EA172579
Year 2014
Make Land Rover
Model Range Rover
Trim Autobiography
Body Style 4WD w/Long Wheelbase
Body Type Sports Utility
Engine -
Cylinders 8
Displacement 5.0L
Induction Supercharged
Fuel Type Flex Fuel
Carburation Gasoline Direct Injection
Transmission Automatic Transmission 4 Wheel Drive
Curb Weight 5320 lbs
VEHICLE HISTORY SUMMARY
CCC VINguard® 6 Vehicle Market History Information 11/27/2017
Experian AutoCheck No Title Problem Found
National Highway Traffic 9 Recalls
Safety Administration
CCC ONE MARKET VALUATION REPORT
VEHICLE INFORMATION
VEHICLE EQUIPMENT
Odometer 161,009
Transmission
Automatic Transmission ✔
4 Wheel Drive ✔
Power Steering ✔
Power Brakes ✔
Power Windows ✔
Power Locks ✔
Power Mirrors ✔
Power Driver Seat ✔
Power Passenger Seat ✔
Power Trunk/Liftgate ✔
Decor/Convenience
Air Conditioning ✔
Climate Control ✔
Dual Air Conditioning ✔
Tilt Wheel ✔
Cruise Control ✔
Rear Defogger ✔
Intermittent Wipers ✔
Console/Storage ✔
Overhead Console ✔
Memory Package ✔
Navigation System ✔
Dual Screen Entertainment ✔
Keyless Entry ✔
Telescopic Wheel ✔
Heated Steering Wheel ✔
Message Center ✔
Home Link ✔
Wood Interior Trim ✔
Seating
Bucket Seats ✔
Reclining/Lounge Seats ✔
Leather Seats ✔
To the left is the equipment of the loss vehicle that STATE FARM INSURANCE COMPANIES provided to CCC.
✔ Standard This equipment is included in the base configuration of the vehicle at time of purchase.
☐ Additional Equipment that is not Standard but was noted to be on the loss vehicle.
CCC ONE MARKET VALUATION REPORT
VEHICLE INFORMATION
VEHICLE EQUIPMENT
<table>
<tr>
<th></th>
<th> </th>
</tr>
<tr>
<td rowspan="10">Radio</td>
<td>Heated Seats</td>
<td>✓</td>
</tr>
<tr><td>Rear Heated Seats</td><td>✓</td></tr>
<tr><td>Ventilated Seats</td><td>✓</td></tr>
<tr><td>AM Radio</td><td>✓</td></tr>
<tr><td>FM Radio</td><td>✓</td></tr>
<tr><td>Stereo</td><td>✓</td></tr>
<tr><td>Search/Seek</td><td>✓</td></tr>
<tr><td>CD Player</td><td>✓</td></tr>
<tr><td>Steering Wheel Touch Controls</td><td>✓</td></tr>
<tr><td>Auxiliary Audio Connection</td><td>✓</td></tr>
<tr><td>Premium Radio</td><td>✓</td></tr>
<tr><td>Satellite Radio</td><td>✓</td></tr>
<tr>
<td rowspan="2">Wheels</td>
<td>20" Or Larger Wheels</td>
<td>✓</td>
</tr>
<tr><td colspan="2"></td></tr>
<tr>
<td rowspan="2">Roof</td>
<td>Electric Glass Roof</td>
<td>✓</td>
</tr>
<tr><td>Skyview Roof</td><td>✓</td></tr>
<tr>
<td rowspan="12">Safety/Brakes</td>
<td>Air Bag (Driver Only)</td>
<td>✓</td>
</tr>
<tr><td>Passenger Air Bag</td><td>✓</td></tr>
<tr><td>Anti-lock Brakes (4)</td><td>✓</td></tr>
<tr><td>4-wheel Disc Brakes</td><td>✓</td></tr>
<tr><td>Front Side Impact Air Bags</td><td>✓</td></tr>
<tr><td>Head/Curtain Air Bags</td><td>✓</td></tr>
<tr><td>Positraction</td><td>✓</td></tr>
<tr><td>Backup Camera</td><td>✓</td></tr>
<tr><td>Surround View Camera</td><td>✓</td></tr>
<tr><td>Parking Sensors</td><td>✓</td></tr>
<tr><td>Hands Free</td><td>✓</td></tr>
<tr><td>Xenon Or L.E.D. Headlamps</td><td>✓</td></tr>
<tr>
<td rowspan="5">Exterior/Paint/Glass</td>
<td>Alarm</td>
<td>✓</td>
</tr>
<tr><td>Traction Control</td><td>✓</td></tr>
<tr><td>Stability Control</td><td>✓</td></tr>
<tr><td>Intelligent Cruise</td><td>✓</td></tr>
<tr><td>Blind Spot Detection</td><td>✓</td></tr>
<tr><td>Dual Mirrors</td><td>✓</td></tr>
</table>
CCC ONE MARKET VALUATION REPORT
VEHICLE INFORMATION
VEHICLE EQUIPMENT
Heated Mirrors ✔
Privacy Glass ✔
Fog Lamps ✔
Rear Spoiler ✔
Rear Window Wiper ✔
Headlamp Washers ✔
Signal Integrated Mirrors ✔
Clearcoat Paint ✔
Other - Trucks
Rear Step Bumper ✔
Trailer Hitch ✔
Trailering Package ✔
CCC ONE MARKET VALUATION REPORT
VEHICLE CONDITION
COMPONENT CONDITION
<table>
<tr>
<th>Condition</th>
<th>Inspection Notes/Guidelines</th>
<th>Value Impact</th>
</tr>
<tr>
<td colspan="3"><b>INTERIOR</b></td>
</tr>
<tr>
<td>Seats</td>
<td><b>VERY GOOD</b><br>Guideline:<br>Clean. No significant tears, holes and/or burn marks. No significant wear. No bare spots. Lightly worn primarily in driver's area.</td>
<td>$262</td>
</tr>
<tr>
<td>Carpets</td>
<td><b>VERY GOOD</b><br>Guideline:<br>Clean. No significant tears, holes and/or burn marks. No significant wear. No bare spots. Lightly worn primarily in driver's area.</td>
<td>$190</td>
</tr>
<tr>
<td>Dashboard</td>
<td><b>VERY GOOD</b><br>Guideline:<br>Few small scratches and/or gouges. Minimal damage to components. Light wear.</td>
<td>$150</td>
</tr>
<tr>
<td>Headliner</td>
<td><b>VERY GOOD</b><br>Guideline:<br>Clean. No significant holes and/or burn marks. No significant scuffing.</td>
<td>$117</td>
</tr>
<tr>
<td colspan="3"><b>EXTERIOR</b></td>
</tr>
<tr>
<td>Sheet Metal</td>
<td><b>GOOD</b><br>Guideline:<br>Few dents and/or numerous dings. No significant surface rust.</td>
<td>$0</td>
</tr>
<tr>
<td>Trim</td>
<td><b>GOOD</b><br>Guideline:<br>Minimal damage to components. Few dents and/or numerous dings.</td>
<td>$0</td>
</tr>
<tr>
<td>Paint</td>
<td><b>GOOD</b><br>Guideline:<br>Few small deep chips and/or scratches.<br>No significant peeling and/or flaking.<br>Minor swirl marks. Slight Fading.</td>
<td>$0</td>
</tr>
<tr>
<td>Glass</td>
<td><b>VERY GOOD</b><br>Guideline:<br>Light surface scratches and/or pitting.</td>
<td>$99</td>
</tr>
<tr>
<td colspan="3"><b>MECHANICAL</b></td>
</tr>
<tr>
<td>Engine</td>
<td><b>GOOD</b><br>Guideline:<br>Few small leaks. Belts and hoses firm, show minimal wear. Significant dirt and grease in engine compartment.</td>
<td>$0</td>
</tr>
<tr>
<td>Transmission</td>
<td><b>GOOD</b><br>Guideline:<br>Fluid slightly discolored. A few areas of seepage.</td>
<td>$0</td>
</tr>
</table>
STATE FARM INSURANCE COMPANIES uses condition inspection guidelines to determine the condition of key components of the loss vehicle prior to the loss. The guidelines describe physical characteristics for these key components, for the condition selected based upon age. Inspection Notes reflect observations from the appraiser regarding the loss vehicle's condition.
CCC makes dollar adjustments that reflect the impact the reported condition has on the value of the loss vehicle as compared to Good condition. These dollar adjustments are based upon interviews with dealerships across the United States.
CCC ONE MARKET VALUATION REPORT
VEHICLE CONDITION
COMPONENT CONDITION
<table>
<tr>
<th>Condition</th>
<th>Inspection Notes/Guidelines</th>
<th>Value Impact</th>
</tr>
<tr>
<th colspan="3">TIRES</th>
</tr>
<tr>
<td>Front Tires<br>VERY GOOD</td>
<td>Guideline:<br>69% to 90% of new. Example: Typical new car tires are 11/32, loss measures at 8/32 = 73% (8/11)</td>
<td>$ 104</td>
</tr>
<tr>
<td>Rear Tires<br>VERY GOOD</td>
<td>Guideline:<br>69% to 90% of new. Example: Typical new car tires are 11/32, loss measures at 8/32 = 73% (8/11)</td>
<td>$ 104</td>
</tr>
<tr>
<td colspan="2">Total Condition Adjustments</td>
<td>$ 1026</td>
</tr>
</table>
CCC ONE MARKET VALUATION REPORT
COMPARABLE VEHICLES
<table>
<tr>
<th>Options</th>
<th>Loss Vehicle</th>
<th>Comp 1</th>
<th>Comp 2</th>
<th>Comp 3</th>
</tr>
<tr>
<td>Odometer</td>
<td>161,009</td>
<td>155,683</td>
<td>110,902</td>
<td>110,399</td>
</tr>
<tr>
<td>Automatic Transmission</td>
<td></td>
<td>✓</td>
<td>✓</td>
<td>✓</td>
</tr>
<tr>
<td>4 Wheel Drive</td>
<td></td>
<td>✓</td>
<td>✓</td>
<td>✓</td>
</tr>
<tr>
<td>Power Steering</td>
<td></td>
<td>✓</td>
<td>✓</td>
<td>✓</td>
</tr>
<tr>
<td>Power Brakes</td>
<td></td>
<td>✓</td>
<td>✓</td>
<td>✓</td>
</tr>
<tr>
<td>Power Windows</td>
<td></td>
<td>✓</td>
<td>✓</td>
<td>✓</td>
</tr>
<tr>
<td>Power Locks</td>
<td></td>
<td>✓</td>
<td>✓</td>
<td>✓</td>
</tr>
<tr>
<td>Power Mirrors</td>
<td></td>
<td>✓</td>
<td>✓</td>
<td>✓</td>
</tr>
<tr>
<td>Power Driver Seat</td>
<td></td>
<td>✓</td>
<td>✓</td>
<td>✓</td>
</tr>
<tr>
<td>Power Passenger Seat</td>
<td></td>
<td>✓</td>
<td>✓</td>
<td>✓</td>
</tr>
<tr>
<td>Power Trunk/Liftgate</td>
<td></td>
<td>✓</td>
<td>✓</td>
<td>✓</td>
</tr>
<tr>
<td>Air Conditioning</td>
<td></td>
<td>✓</td>
<td>✓</td>
<td>✓</td>
</tr>
<tr>
<td>Climate Control</td>
<td></td>
<td>✓</td>
<td>✓</td>
<td>✓</td>
</tr>
<tr>
<td>Dual Air Conditioning</td>
<td></td>
<td>✓</td>
<td>✓</td>
<td>✓</td>
</tr>
<tr>
<td>Tilt Wheel</td>
<td></td>
<td>✓</td>
<td>✓</td>
<td>✓</td>
</tr>
<tr>
<td>Cruise Control</td>
<td></td>
<td>✓</td>
<td>✓</td>
<td>✓</td>
</tr>
<tr>
<td>Rear Defogger</td>
<td></td>
<td>✓</td>
<td>✓</td>
<td>✓</td>
</tr>
<tr>
<td>Intermittent Wipers</td>
<td></td>
<td>✓</td>
<td>✓</td>
<td>✓</td>
</tr>
<tr>
<td>Console/Storage</td>
<td></td>
<td>✓</td>
<td>✓</td>
<td>✓</td>
</tr>
<tr>
<td>Overhead Console</td>
<td></td>
<td>✓</td>
<td>✓</td>
<td>✓</td>
</tr>
<tr>
<td>Memory Package</td>
<td></td>
<td>✓</td>
<td>✓</td>
<td>✓</td>
</tr>
<tr>
<td>Navigation System</td>
<td></td>
<td>✓</td>
<td>✓</td>
<td>✓</td>
</tr>
<tr>
<td>Dual Screen Entertainment</td>
<td></td>
<td>✓</td>
<td>✓</td>
<td>✓</td>
</tr>
<tr>
<td>Keyless Entry</td>
<td></td>
<td>✓</td>
<td>✓</td>
<td>✓</td>
</tr>
<tr>
<td>Telescopic Wheel</td>
<td></td>
<td>✓</td>
<td>✓</td>
<td>✓</td>
</tr>
<tr>
<td>Heated Steering Wheel</td>
<td></td>
<td>✓</td>
<td>✓</td>
<td>✓</td>
</tr>
<tr>
<td>Message Center</td>
<td></td>
<td>✓</td>
<td>✓</td>
<td>✓</td>
</tr>
<tr>
<td>Home Link</td>
<td></td>
<td>✓</td>
<td>✓</td>
<td>✓</td>
</tr>
<tr>
<td>Wood Interior Trim</td>
<td></td>
<td>✓</td>
<td>✓</td>
<td>✓</td>
</tr>
<tr>
<td>Bucket Seats</td>
<td></td>
<td>✓</td>
<td>✓</td>
<td>✓</td>
</tr>
<tr>
<td>Reclining/Lounge Seats</td>
<td></td>
<td>✓</td>
<td>x</td>
<td>x</td>
</tr>
<tr>
<td>Leather Seats</td>
<td></td>
<td>✓</td>
<td>✓</td>
<td></td>
</tr>
<tr>
<td>Heated Seats</td>
<td></td>
<td>✓</td>
<td>✓</td>
<td>✓</td>
</tr>
<tr>
<td>Rear Heated Seats</td>
<td></td>
<td>✓</td>
<td>✓</td>
<td></td>
</tr>
<tr>
<td>Ventilated Seats</td>
<td></td>
<td>✓</td>
<td>x</td>
<td>x</td>
</tr>
<tr>
<td>AM Radio</td>
<td></td>
<td>✓</td>
<td>✓</td>
<td>✓</td>
</tr>
<tr>
<td>FM Radio</td>
<td></td>
<td>✓</td>
<td>✓</td>
<td>x</td>
</tr>
<tr>
<td>Stereo</td>
<td></td>
<td>✓</td>
<td>✓</td>
<td>✓</td>
</tr>
<tr>
<td>Search/Seek</td>
<td></td>
<td>✓</td>
<td>✓</td>
<td>✓</td>
</tr>
<tr>
<td>CD Player</td>
<td></td>
<td>✓</td>
<td>✓</td>
<td>✓</td>
</tr>
</table>
Comp 1 Updated Date: 10/11/2025
2014 Land Rover Range Rover
Autobiography 4wd W/long
Wheelbase 8 5.0i Flex Fuel
Supercharged Gasoline Direct Injection
VIN SALGV3TF3EA186354
Dealership Sterling Mccall Lexus Clear Lake
Telephone (281) 853-1400
Source Dealer Ad
Stock # EA186354
Distance from Jones, OK
436 Miles - Friendswood, TX
Comp 2 Updated Date: 11/03/2025
2015 Land Rover Range Rover
Autobiography 4wd 8 5.0i Flex Fuel Supercharged Gasoline Direct Injection
VIN SALGV2TF4FA230633
Dealership lmd Motors inc
Telephone (972) 440-0149
Source Dealer Ad
Stock # FA230633
Distance from Jones, OK
190 Miles - Garland, TX
Comp 3 Updated Date: 11/05/2025
2015 Land Rover Range Rover
Autobiography 4wd 8 5.0i Flex Fuel Supercharged Gasoline Direct Injection
VIN SALGV2TF0FA240057
Dealership Moda Cars
Telephone (469) 779-7667
Source Truecar
Stock # 240057
Distance from Jones, OK
189 Miles - Dallas, TX
Comparable vehicles used in the determination of the Base Vehicle Value are not intended to be replacement vehicles but are reflective of the market value, and may no longer be available for sale.
List Price is the sticker price of an inspected dealer vehicle and the advertised price for the advertised vehicle.
CCC ONE MARKET VALUATION REPORT
Owner: Hudspeth, Ryan
Claim: 36-86Q6-77S01
COMPARABLE VEHICLES
<table>
<tr>
<th>Options</th>
<th>Loss Vehicle</th>
<th>Comp 1</th>
<th>Comp 2</th>
<th>Comp 3</th>
</tr>
<tr><td>Steering Wheel Touch Controls</td><td>✓</td><td>✓</td><td>✓</td><td>✓</td></tr>
<tr><td>Auxiliary Audio Connection</td><td>✓</td><td>✓</td><td>✓</td><td>✓</td></tr>
<tr><td>Premium Radio</td><td>✓</td><td>✓</td><td>✓</td><td>✓</td></tr>
<tr><td>Satellite Radio</td><td>✓</td><td>✓</td><td>✓</td><td>✓</td></tr>
<tr><td>20" Or Larger Wheels</td><td>✓</td><td>✓</td><td>✓</td><td>✓</td></tr>
<tr><td>Locking Wheels</td><td>×</td><td>×</td><td>×</td><td>✓</td></tr>
<tr><td>Electric Glass Roof</td><td>✓</td><td>✓</td><td>✓</td><td>✓</td></tr>
<tr><td>Skyview Roof</td><td>✓</td><td>✓</td><td>✓</td><td>✓</td></tr>
<tr><td>Drivers Side Air Bag</td><td>✓</td><td>✓</td><td>✓</td><td>✓</td></tr>
<tr><td>Passenger Air Bag</td><td>✓</td><td>✓</td><td>✓</td><td>✓</td></tr>
<tr><td>Anti-lock Brakes (4)</td><td>✓</td><td>✓</td><td>✓</td><td>✓</td></tr>
<tr><td>4-wheel Disc Brakes</td><td>✓</td><td>✓</td><td>✓</td><td>✓</td></tr>
<tr><td>Front Side Impact Air Bags</td><td>✓</td><td>✓</td><td>✓</td><td>✓</td></tr>
<tr><td>Head/Curtain Air Bags</td><td>✓</td><td>✓</td><td>✓</td><td>✓</td></tr>
<tr><td>Positraction</td><td>✓</td><td>✓</td><td>✓</td><td>✓</td></tr>
<tr><td>Backup Camera</td><td>✓</td><td>✓</td><td>✓</td><td>✓</td></tr>
<tr><td>Surround View Camera</td><td>✓</td><td>✓</td><td>✓</td><td>✓</td></tr>
<tr><td>Parking Sensors</td><td>✓</td><td>✓</td><td>✓</td><td>✓</td></tr>
<tr><td>Communications System</td><td>×</td><td>×</td><td>✓</td><td>✓</td></tr>
<tr><td>Hands Free</td><td>✓</td><td>✓</td><td>✓</td><td>✓</td></tr>
<tr><td>Xenon Or L.E.D. Headlamps</td><td>✓</td><td>✓</td><td>✓</td><td>✓</td></tr>
<tr><td>Alarm</td><td>✓</td><td>✓</td><td>✓</td><td>✓</td></tr>
<tr><td>Traction Control</td><td>✓</td><td>✓</td><td>✓</td><td>✓</td></tr>
<tr><td>Stability Control</td><td>✓</td><td>✓</td><td>✓</td><td>✓</td></tr>
<tr><td>Intelligent Cruise</td><td>✓</td><td>✓</td><td>✓</td><td>✓</td></tr>
<tr><td>Lane Departure Warning</td><td>×</td><td>×</td><td>✓</td><td>✓</td></tr>
<tr><td>Blind Spot Detection</td><td>✓</td><td>✓</td><td>✓</td><td>✓</td></tr>
<tr><td>Dual Mirrors</td><td>✓</td><td>✓</td><td>✓</td><td>✓</td></tr>
<tr><td>Heated Mirrors</td><td>✓</td><td>✓</td><td>✓</td><td>✓</td></tr>
<tr><td>Privacy Glass</td><td>✓</td><td>✓</td><td>✓</td><td>✓</td></tr>
<tr><td>Fog Lamps</td><td>✓</td><td>✓</td><td>✓</td><td>✓</td></tr>
<tr><td>Rear Spoiler</td><td>✓</td><td>✓</td><td>✓</td><td>✓</td></tr>
<tr><td>Rear Window Wiper</td><td>✓</td><td>✓</td><td>✓</td><td>✓</td></tr>
<tr><td>Headlamp Washers</td><td>✓</td><td>✓</td><td>✓</td><td>✓</td></tr>
<tr><td>Signal Integrated Mirrors</td><td>✓</td><td>✓</td><td>✓</td><td>✓</td></tr>
<tr><td>Clearcoat Paint</td><td>✓</td><td>✓</td><td>✓</td><td>✓</td></tr>
<tr><td>Rear Step Bumper</td><td>✓</td><td>✓</td><td>✓</td><td>✓</td></tr>
<tr><td>Trailer Hitch</td><td>✓</td><td>✓</td><td>✓</td><td>✓</td></tr>
<tr><td>Trailering Package</td><td>✓</td><td>✓</td><td>✓</td><td>✓</td></tr>
<tr><td>Running Boards/Side Steps</td><td>×</td><td>×</td><td>x</td><td>✓</td></tr>
</table>
Distance is based upon a straight line between loss and comparable vehicle locations.
*The Condition Adjustment sets the comparable vehicle to Good condition, which the loss vehicle is also compared to in the Vehicle Condition section.
CCC ONE MARKET VALUATION REPORT
Owner: Hudspeth, Ryan
Claim: 36-86Q6-77S01
COMPARABLE VEHICLES
List Price
$ 18,920 $ 24,445 $ 23,999
Adjustments:
<table>
<tr>
<th></th>
<th>$ 18,920</th>
<th>$ 24,445</th>
<th>$ 23,999</th>
</tr>
<tr>
<td>Make/Model/Trim</td>
<td>- $ 525</td>
<td>- $ 525</td>
<td>- $ 525</td>
</tr>
<tr>
<td>Options</td>
<td>- $ 100</td>
<td>- $ 250</td>
<td>- $ 250</td>
</tr>
<tr>
<td>Mileage</td>
<td>- $ 386</td>
<td>- $ 3,918</td>
<td>- $ 3,954</td>
</tr>
<tr>
<td>Condition<sup>1</sup></td>
<td>- $ 2,800</td>
<td>- $ 2,800</td>
<td>- $ 2,800</td>
</tr>
</table>
<table>
<tr>
<th rowspan="2">Options</th>
<th colspan="2">Loss Vehicle</th>
<th>Comp 4</th>
<th>Comp 5</th>
<th>Comp 6</th>
</tr>
<tr>
<td>Odometer</td>
<td>161,009</td>
<td>140,699</td>
<td>109,147</td>
<td>125,886</td>
</tr>
<tr>
<td>Automatic Transmission</td>
<td>✔</td>
<td>✔</td>
<td>✔</td>
<td>✔</td>
<td>✔</td>
</tr>
<tr>
<td>4 Wheel Drive</td>
<td>✔</td>
<td>✔</td>
<td>✔</td>
<td>✔</td>
<td>✔</td>
</tr>
<tr>
<td>Power Steering</td>
<td>✔</td>
<td>✔</td>
<td>✔</td>
<td>✔</td>
<td>✔</td>
</tr>
<tr>
<td>Power Brakes</td>
<td>✔</td>
<td>✔</td>
<td>✔</td>
<td>✔</td>
<td>✔</td>
</tr>
<tr>
<td>Power Windows</td>
<td>✔</td>
<td>✔</td>
<td>✔</td>
<td>✔</td>
<td>✔</td>
</tr>
<tr>
<td>Power Locks</td>
<td>✔</td>
<td>✔</td>
<td>✔</td>
<td>✔</td>
<td>✔</td>
</tr>
<tr>
<td>Power Mirrors</td>
<td>✔</td>
<td>✔</td>
<td>✔</td>
<td>✔</td>
<td>✔</td>
</tr>
<tr>
<td>Power Driver Seat</td>
<td>✔</td>
<td>✔</td>
<td>✔</td>
<td>✔</td>
<td>✔</td>
</tr>
<tr>
<td>Power Passenger Seat</td>
<td>✔</td>
<td>✔</td>
<td>✔</td>
<td>✔</td>
<td>✔</td>
</tr>
<tr>
<td>Power Trunk/Liftgate</td>
<td>✔</td>
<td>✔</td>
<td>✔</td>
<td>✔</td>
<td>✔</td>
</tr>
<tr>
<td>Air Conditioning</td>
<td>✔</td>
<td>✔</td>
<td>✔</td>
<td>✔</td>
<td>✔</td>
</tr>
<tr>
<td>Climate Control</td>
<td>✔</td>
<td>✔</td>
<td>✔</td>
<td>✔</td>
<td>✔</td>
</tr>
<tr>
<td>Dual Air Conditioning</td>
<td>✔</td>
<td>✔</td>
<td>✔</td>
<td>✔</td>
<td>✔</td>
</tr>
<tr>
<td>Tilt Wheel</td>
<td>✔</td>
<td>✔</td>
<td>✔</td>
<td>✔</td>
<td>✔</td>
</tr>
<tr>
<td>Cruise Control</td>
<td>✔</td>
<td>✔</td>
<td>✔</td>
<td>✔</td>
<td>✔</td>
</tr>
<tr>
<td>Rear Defogger</td>
<td>✔</td>
<td>✔</td>
<td>✔</td>
<td>✔</td>
<td>✔</td>
</tr>
<tr>
<td>Intermittent Wipers</td>
<td>✔</td>
<td>✔</td>
<td>✔</td>
<td>✔</td>
<td>✔</td>
</tr>
<tr>
<td>Console/Storage</td>
<td>✔</td>
<td>✔</td>
<td>✔</td>
<td>✔</td>
<td>✔</td>
</tr>
<tr>
<td>Overhead Console</td>
<td>✔</td>
<td>✔</td>
<td>✔</td>
<td>✔</td>
<td>✔</td>
</tr>
<tr>
<td>Memory Package</td>
<td>✔</td>
<td>✔</td>
<td>✔</td>
<td>✔</td>
<td>✔</td>
</tr>
<tr>
<td>Navigation System</td>
<td>✔</td>
<td>✔</td>
<td>✔</td>
<td>✔</td>
<td>✔</td>
</tr>
<tr>
<td>Entertainment Center</td>
<td>×</td>
<td>×</td>
<td>✔</td>
<td>✔</td>
<td>✔</td>
</tr>
<tr>
<td>Dual Screen Entertainment</td>
<td>✔</td>
<td>✔</td>
<td>×</td>
<td>×</td>
<td>×</td>
</tr>
<tr>
<td>Keyless Entry</td>
<td>✔</td>
<td>✔</td>
<td>✔</td>
<td>✔</td>
<td>✔</td>
</tr>
<tr>
<td>Telescopic Wheel</td>
<td>✔</td>
<td>✔</td>
<td>✔</td>
<td>✔</td>
<td>✔</td>
</tr>
<tr>
<td>Heated Steering Wheel</td>
<td>✔</td>
<td>✔</td>
<td>✔</td>
<td>✔</td>
<td>✔</td>
</tr>
<tr>
<td>Message Center</td>
<td>✔</td>
<td>✔</td>
<td>✔</td>
<td>✔</td>
<td>✔</td>
</tr>
<tr>
<td>Home Link</td>
<td>✔</td>
<td>✔</td>
<td>✔</td>
<td>✔</td>
<td>✔</td>
</tr>
<tr>
<td>Remote Starter</td>
<td>×</td>
<td>×</td>
<td>✔</td>
<td>✔</td>
<td>✔</td>
</tr>
<tr>
<td>Wood Interior Trim</td>
<td>✔</td>
<td>✔</td>
<td>✔</td>
<td>✔</td>
<td>✔</td>
</tr>
</table>
Comp 4 Updated Date: 08/23/2025
2015 Land Rover Range Rover Autobiography 4wd 8 5.0l Flex Fuel Supercharged Gasoline Direct Injection
VIN SALGV2TF5FA238286
Dealership Zora Motors
Telephone (832) 715-3300
Source Autotrader
Stock # 87659346
Distance from Jones, OK
425 Miles - Rosenberg, TX
Comp 5 Updated Date: 08/27/2025
2015 Land Rover Range Rover Autobiography 4wd 8 5.0l Flex Fuel Supercharged Gasoline Direct Injection
VIN SALGV2TF8FA242266
Dealership Autonation Toyota South Austin
Telephone (866) 258-1467
Source Autotrader
Stock # FA242266
Distance from Jones, OK
372 Miles - Austin, TX
Comp 6 Updated Date: 09/24/2025
2015 Land Rover Range Rover Autobiography Black 4wd W/ Long Wheelbase 8 5.0l Flex Fuel Supercharged Gasoline Direct Injection
VIN SALGW3TF7FA200724
Dealership Cars For All Llc
Telephone (972) 905-5703
Source Truecar
Stock # Kevin445
Distance from Jones, OK
187 Miles - Garland, TX
CCC ONE MARKET VALUATION REPORT
COMPARABLE VEHICLES
<table>
<tr>
<th>Options</th>
<th>Loss Vehicle</th>
<th>Comp 4</th>
<th>Comp 5</th>
<th>Comp 6</th>
</tr>
<tr>
<td>Bucket Seats</td>
<td>√</td>
<td>√</td>
<td>√</td>
<td>√</td>
</tr>
<tr>
<td>Reclining/Lounge Seats</td>
<td>√</td>
<td>√</td>
<td>x</td>
<td>x</td>
</tr>
<tr>
<td>Leather Seats</td>
<td>√</td>
<td>√</td>
<td>√</td>
<td>√</td>
</tr>
<tr>
<td>Heated Seats</td>
<td>√</td>
<td>√</td>
<td>√</td>
<td>√</td>
</tr>
<tr>
<td>Rear Heated Seats</td>
<td>√</td>
<td>√</td>
<td>√</td>
<td>√</td>
</tr>
<tr>
<td>Ventilated Seats</td>
<td>√</td>
<td>√</td>
<td>√</td>
<td>√</td>
</tr>
<tr>
<td>AM Radio</td>
<td>√</td>
<td>√</td>
<td>√</td>
<td>√</td>
</tr>
<tr>
<td>FM Radio</td>
<td>√</td>
<td>√</td>
<td>√</td>
<td>√</td>
</tr>
<tr>
<td>Stereo</td>
<td>√</td>
<td>√</td>
<td>√</td>
<td>√</td>
</tr>
<tr>
<td>Search/Seek</td>
<td>√</td>
<td>√</td>
<td>√</td>
<td>√</td>
</tr>
<tr>
<td>CD Player</td>
<td>√</td>
<td>√</td>
<td>√</td>
<td>√</td>
</tr>
<tr>
<td>Steering Wheel Touch Controls</td>
<td>√</td>
<td>√</td>
<td>√</td>
<td>√</td>
</tr>
<tr>
<td>Auxiliary Audio Connection</td>
<td>√</td>
<td>√</td>
<td>√</td>
<td>√</td>
</tr>
<tr>
<td>Premium Radio</td>
<td>√</td>
<td>√</td>
<td>√</td>
<td>√</td>
</tr>
<tr>
<td>Satellite Radio</td>
<td>√</td>
<td>√</td>
<td>√</td>
<td>√</td>
</tr>
<tr>
<td>Aluminum/Alloy Wheels</td>
<td>x</td>
<td>√</td>
<td>√</td>
<td>√</td>
</tr>
<tr>
<td>20" Or Larger Wheels</td>
<td>√</td>
<td>x</td>
<td>x</td>
<td>x</td>
</tr>
<tr>
<td>Locking Wheels</td>
<td>x</td>
<td>x</td>
<td>x</td>
<td>x</td>
</tr>
<tr>
<td>Electric Glass Roof</td>
<td>√</td>
<td>√</td>
<td>√</td>
<td>√</td>
</tr>
<tr>
<td>Skyview Roof</td>
<td>√</td>
<td>√</td>
<td>√</td>
<td>√</td>
</tr>
<tr>
<td>Drivers Side Air Bag</td>
<td>√</td>
<td>√</td>
<td>√</td>
<td>√</td>
</tr>
<tr>
<td>Passenger Air Bag</td>
<td>√</td>
<td>√</td>
<td>√</td>
<td>√</td>
</tr>
<tr>
<td>Anti-lock Brakes (4)</td>
<td>√</td>
<td>√</td>
<td>√</td>
<td>√</td>
</tr>
<tr>
<td>4-wheel Disc Brakes</td>
<td>√</td>
<td>√</td>
<td>√</td>
<td>√</td>
</tr>
<tr>
<td>Front Side Impact Air Bags</td>
<td>√</td>
<td>√</td>
<td>√</td>
<td>√</td>
</tr>
<tr>
<td>Head/Curtain Air Bags</td>
<td>√</td>
<td>√</td>
<td>√</td>
<td>√</td>
</tr>
<tr>
<td>Positraction</td>
<td>√</td>
<td>√</td>
<td>√</td>
<td>√</td>
</tr>
<tr>
<td>Backup Camera</td>
<td>√</td>
<td>√</td>
<td>√</td>
<td>√</td>
</tr>
<tr>
<td>Surround View Camera</td>
<td>√</td>
<td>√</td>
<td>√</td>
<td>√</td>
</tr>
<tr>
<td>Parking Sensors</td>
<td>√</td>
<td>√</td>
<td>√</td>
<td>√</td>
</tr>
<tr>
<td>Communications System</td>
<td>x</td>
<td>x</td>
<td>x</td>
<td>x</td>
</tr>
<tr>
<td>Hands Free</td>
<td>√</td>
<td>√</td>
<td>√</td>
<td>√</td>
</tr>
<tr>
<td>Xenon Or L.E.D. Headlamps</td>
<td>√</td>
<td>√</td>
<td>√</td>
<td>√</td>
</tr>
<tr>
<td>Alarm</td>
<td>√</td>
<td>√</td>
<td>√</td>
<td>√</td>
</tr>
<tr>
<td>Traction Control</td>
<td>√</td>
<td>√</td>
<td>√</td>
<td>√</td>
</tr>
<tr>
<td>Stability Control</td>
<td>√</td>
<td>√</td>
<td>√</td>
<td>√</td>
</tr>
<tr>
<td>Intelligent Cruise</td>
<td>√</td>
<td>√</td>
<td>√</td>
<td>√</td>
</tr>
<tr>
<td>Lane Departure Warning</td>
<td>x</td>
<td>√</td>
<td>√</td>
<td>√</td>
</tr>
<tr>
<td>Blind Spot Detection</td>
<td>√</td>
<td>√</td>
<td>√</td>
<td>√</td>
</tr>
<tr>
<td>Dual Mirrors</td>
<td>√</td>
<td>√</td>
<td>√</td>
<td>√</td>
</tr>
</table>
Comparable vehicles used in the determination of the Base Vehicle Value are not intended to be replacement vehicles but are reflective of the market value, and may no longer be available for sale.
List Price is the sticker price of an inspected dealer vehicle and the advertised price for the advertised vehicle.
Distance is based upon a straight line between loss and comparable vehicle locations.
*The Condition Adjustment sets that comparable vehicle to Good condition, which the loss vehicle is also compared to in the Vehicle Condition section.
COMPARABLE VEHICLES
<table>
<tr>
<th>Options</th>
<th>Loss Vehicle</th>
<th>Comp 4</th>
<th>Comp 5</th>
<th>Comp 6</th>
</tr>
<tr>
<td>Heated Mirrors</td>
<td>✓</td>
<td></td>
<td>✓</td>
<td>✓</td>
</tr>
<tr>
<td>Privacy Glass</td>
<td>✓</td>
<td>✓</td>
<td></td>
<td>✓</td>
</tr>
<tr>
<td>Fog Lamps</td>
<td>✓</td>
<td>✓</td>
<td></td>
<td>✓</td>
</tr>
<tr>
<td>Rear Spoiler</td>
<td>✓</td>
<td>✓</td>
<td></td>
<td>✓</td>
</tr>
<tr>
<td>Rear Window Wiper</td>
<td>✓</td>
<td>✓</td>
<td></td>
<td>✓</td>
</tr>
<tr>
<td>Headlamp Washers</td>
<td></td>
<td></td>
<td>✓</td>
<td>✓</td>
</tr>
<tr>
<td>Signal Integrated Mirrors</td>
<td>✓</td>
<td>✓</td>
<td></td>
<td>✓</td>
</tr>
<tr>
<td>Clearcoat Paint</td>
<td></td>
<td>✓</td>
<td>✓</td>
<td></td>
</tr>
<tr>
<td>Metallic Paint</td>
<td>x</td>
<td>x</td>
<td>x</td>
<td>x</td>
</tr>
<tr>
<td>Rear Step Bumper</td>
<td></td>
<td></td>
<td>✓</td>
<td>✓</td>
</tr>
<tr>
<td>Trailer Hitch</td>
<td></td>
<td>✓</td>
<td></td>
<td>✓</td>
</tr>
<tr>
<td>Trailering Package</td>
<td>✓</td>
<td></td>
<td></td>
<td>✓</td>
</tr>
<tr>
<td>Running Boards/Side Steps</td>
<td>x</td>
<td>x</td>
<td></td>
<td>x</td>
</tr>
<tr>
<th>List Price</th>
<td>$17,950</td>
<td>$22,992</td>
<td>$23,990</td>
</tr>
<tr>
<th>Adjustments:</th>
<td></td>
<td></td>
<td></td>
</tr>
<tr>
<td>Make/Model/Trim</td>
<td>- $525</td>
<td>- $525</td>
<td>- $1,500</td>
</tr>
<tr>
<td>Options</td>
<td>+ $200</td>
<td>- $25</td>
<td>+ $225</td>
</tr>
<tr>
<td>Mileage</td>
<td>- $973</td>
<td>- $4,043</td>
<td>- $2,607</td>
</tr>
<tr>
<td>Condition<sup>1</sup></td>
<td>- $2,800</td>
<td>- $2,800</td>
<td>- $2,800</td>
</tr>
</table>
*Adjusted Comparable Value*
CCC ONE MARKET VALUATION REPORT
COMPARABLE VEHICLES
ADDITIONAL COMPARABLE VEHICLES
<table>
<tr>
<th>Source</th>
<th>Vehicle</th>
<th>Adjusted Comparable Price</th>
<th>Value</th>
</tr>
<tr>
<td>Comp 7<br>Source: Truecar<br>Mountain View Motors<br>Colorado Springs, CO<br>(719) 578-5565</td>
<td>2015 Land Rover Range Rover Autobiography<br>4wd 8 5.0l Flex Fuel<br>Supercharged Gasoline<br>Direct Injection<br>Odometer: 115,735<br>VIN: SALGV2TF8FA229291<br>Stock #: 3823<br>Updated Date: 11/05/2025</td>
<td>$23,995<br>(List)</td>
<td>$17,324</td>
</tr>
<tr>
<td>Comp 8<br>Source: Truecar<br>Jordan Motors<br>Aurora, CO<br>(303) 753-6000<br>503 Miles From Jones, OK</td>
<td>2015 Land Rover Range Rover Autobiography<br>4wd 8 5.0l Flex Fuel<br>Supercharged Gasoline<br>Direct Injection<br>Odometer: 110,010<br>VIN: SALGV2TF6FA236790<br>Stock #: 236790<br>Updated Date: 10/29/2025</td>
<td>$21,495<br>(List)</td>
<td>$14,388</td>
</tr>
</table>
Additional Comparable Vehicles are in summary format, but are adjusted the same as those on the previous page.
Comparable vehicles used in the determination of the Base Vehicle Value are not intended to be replacement vehicles but are reflective of the market value, and may no longer be available for sale.
List Price is the sticker price of an inspected dealer vehicle and the advertised price for the advertised vehicle.
Distance is based upon a straight line between loss and comparable vehicle locations.
CCC ONE MARKET VALUATION REPORT
VALUATION NOTES
11/21/2025 09:08 - POADJ CHANGE REQUESTED BY: HILL,KAREN
11/21/2025 08:55 - POADJ CHANGE REQUESTED BY: HILL,KAREN
11/21/2025 08:55 - Condition Ratings changed after Valuation
11/20/2025 08:22 - POADJ CHANGE REQUESTED BY: HILL,KAREN
11/20/2025 08:22 - Options added :[Rear Spoiler]
11/20/2025 08:22 - Post Valuation Adjustment entered for:
11/20/2025 08:22 - Mileage changed to 161009 from 160686
11/20/2025 08:22 - ADJR Z03 CONFIGURATION CHANGE
Statutes concerning vehicle value include Oklahoma Statutes 36-1-12A-1-1250.8.
This Market Valuation Report has been prepared exclusively for use by STATE FARM INSURANCE COMPANIES, and no other person or entity is entitled to or should rely upon this Market Valuation Report and/or any of its contents. CCC is one source of vehicle valuations, and there are other valuation sources available.
CCC ONE MARKET VALUATION REPORT SUPPLEMENTAL INFORMATION
OWNER HISTORY INFORMATION
VINguard®
VINguard® Message: VINguard has decoded this VIN without any errors
Vehicle Market History Information:
This vehicle was reported to CCC on 10/19/2017 Mileage: 13601
Location: AutoTrader in OKLAHOMA CITY, OK
This vehicle was reported to CCC on 08/04/2017 Mileage: 10000
Location: Private Advertised in GRAND PRAIRIE, TX
This vehicle was reported to CCC on 06/11/2018 Mileage: 13601
Location: Private Advertised in GRAND PRAIRIE, TX
This vehicle was reported to CCC on 09/23/2017 Mileage: 10000
Location: Private Advertised in GRAND PRAIRIE, TX
This vehicle was reported to CCC on 11/03/2017 Mileage: 13601
Location: AutoTrader in OKLAHOMA CITY, OK
This vehicle was reported to CCC on 11/27/2017 Mileage: 13601
Location: AutoTrader in OKLAHOMA CITY, OK
CCC ONE MARKET VALUATION REPORT SUPPLEMENTAL INFORMATION
NHTSA VEHICLE RECALL
NHTSA Campaign ID : 13V607000
Mfg's Report Date : DEC 01, 2013
Component : AIR BAGS
Potential Number Of Units Affected : 3912
Summary : Jaguar Land Rover North America, LLC (Land Rover) is recalling certain model year 2013-2014 Range Rover vehicles. In the affected vehicles, due to insufficient clearance, the Supplemental Restraint System (SRS) connector located in the driver and front passenger side seat of the vehicle may become disconnected.
Consequence : If the connector becomes disconnected, the driver and/or passenger seat side air bag may not function. In the event of a crash necessitating side air bag deployment, the seat occupant is at an increased risk of injury.
Remedy : Land Rover will notify owners, and dealers will modify the area around the connector to prevent it from becoming disconnected, free of charge. The recall began on January 16, 2014. Customers may contact Land Rover at 1-800-637-6837, Option 9. Land Rover's number for this recall is P037.
Dates Of Manufacture : AUG 15, 2012 to MAR 14, 2013
Manufacturer Recall No. : P037
The National Highway Traffic Safety Administration has issued 9 safety related recall notices that may apply to the above valued vehicle.
NHTSA Campaign ID : 14V163000
Mfg's Report Date : MAR 30, 2014
Component : EXTERIOR LIGHTING:TURN SIGNAL
Potential Number Of Units Affected : 5238
Summary : Jaguar Land Rover North America, LLC (Land Rover) is recalling certain model year 2014 Land Rover Range Rover vehicles manufactured from May 7, 2013, to October 10, 2013. In the affected vehicles, the turn signal indicator may not flash at a double rate or click at a double-rate to give a notification to the driver of a front turn signal malfunction. Thus, these vehicles fail to conform to the requirements of Federal Motor Vehicle Safety Standard (FMVSS) No. 108, "Lamps, reflective devices, and associated equipment."
Consequence : Without a warning that a front turn signal is malfunctioning, the driver would continue to use the vehicle, unaware that other drivers on the road are not being notified that the vehicle is turning, increasing the risk of a crash.
Remedy : Land Rover will notify owners, and dealers will update the vehicle software, free of charge. The recall is expected to begin on, or before, May 27, 2014. Land Rover's number for this recall is P042.
Dates Of Manufacture : MAY 06, 2013 to OCT 09, 2013
Manufacturer Recall No. : P042
CCC ONE MARKET VALUATION REPORT
SUPPLEMENTAL INFORMATION
NHTSA Campaign ID : 14V618000
Mfg's Report Date : OCT 02, 2014
Component : TIRES:PRESSURE MONITORING AND REGULATING SYSTEMS
Potential Number Of Units Affected : 28037
Summary : Jaguar Land Rover North America, LLC (Land Rover) is recalling certain model year 2014 Range Rover and Range Rover Sport and 2013-2014 LR4 vehicles manufactured September 16, 2013, to June 30, 2014. In the affected vehicles, the Tire Pressure Monitoring System (TPMS) may fail to learn the locations of the individual sensors while the vehicle is being driven. As a result, the low tire pressure warning light will illuminate, despite the the tire pressures being within specification. Should one of the tires subsequently lose air pressure, the driver would not be notified of the change in air pressure.
Consequence : If the TPMS light illuminates because the sensors cannot be located, it could mask an actual low tire pressure condition, possibly resulting in tire failure, increasing the risk of a crash.
Remedy : Land Rover will notify owners, and dealers will update the Body Control Module (BCM) software, free of charge. The recall began on November 6, 2014. Owners may contact Land Rover customer service at 1-800-637-6837, Option 9. Land Rover's number for this recall is P050.
Dates Of Manufacture : SEP 15, 2013 to JUN 29, 2014
Manufacturer Recall No. : P050
NHTSA Campaign ID : 15V093000
Mfg's Report Date : FEB 17, 2015
Potential Number Of Units Affected : 61793
Summary : Jaguar Land Rover North America, LLC (Land Rover) is recalling certain model year 2013-2015 Land Rover Range Rover vehicles manufactured August 23, 2012, to February 5, 2015, and 2014-2015 Range Rover Sport vehicles manufactured June 16, 2013, to February 5, 2015. In the affected vehicles, a light weight adult front seat passenger may be improperly classified by the occupant classification system (OCS) and, as a result, the front seat passenger air bag may be disabled.
Consequence : If the front passenger air bag is disabled during a vehicle crash, there is an increased risk of injury.
Remedy : Land Rover will notify owners, and dealers will update the OCS software, free of charge. The recall began April 9, 2015. Owners may contact Land Rover customer service at 1-800-637-6837. Land Rover's number for this recall is P059.
Dates Of Manufacture : AUG 22, 2012 to FEB 04, 2015
Manufacturer Recall No. : P059
NHTSA Campaign ID : 15V385000
Mfg's Report Date : JUN 16, 2015
CCC ONE MARKET VALUATION REPORT
SUPPLEMENTAL INFORMATION
Component: LATCHES/LOCKS/LINKAGES:DOORS:LATCH
Potential Number Of Units Affected: 65372
Summary: Jaguar Land Rover North America, LLC (Land Rover) is recalling certain model year 2013-2016 Range Rover vehicles manufactured July 26, 2012, to March 9, 2015, and 2014-2016 Range Rover Sport vehicles manufactured February 18, 2013, to March 5, 2015. In the affected vehicles, the doors may unlatch unexpectedly when closed.
Consequence: If a vehicle door unlatches, the distraction may increase the risk of a crash and/or a vehicle occupant may fall out of the vehicle if they are not wearing a seatbelt, increasing their risk of injury.
Remedy: Land Rover will notify owners, and dealers will update the keyless entry software, free of charge. The recall began August 6, 2015. Owners may contact Land Rover customer service at 1-800-637-6837. Land Rover's number for this recall is P068.
Dates Of Manufacture: JUL 25, 2012 to MAR 08, 2015
Manufacturer Recall No.: P068
NHTSA Campaign ID: 15V042000
Mfg's Report Date: JAN 27, 2015
Component: SERVICE BRAKES, HYDRAULIC:POWER ASSIST:VACUUM:HOSES, LINES/PIPING, AND FITTINGS
Potential Number Of Units Affected: 29311
Summary: Jaguar Land Rover North America, LLC (Land Rover) is recalling certain model year 2013-2014 Land Rover Range Rover vehicles manufactured August 16, 2012, to January 8, 2014, and 2014-2015 Land Rover Range Rover Sport vehicles manufactured May 7, 2013, to February 12, 2015. In the affected vehicles, the brake vacuum hose may have been incorrectly routed allowing a hole to be worn into it.
Consequence: If a hole is worn into the brake vacuum hose, a complete loss of braking assistance could occur, lengthening the distance required to stop the vehicle and increasing the risk of a crash.
Remedy: Land Rover will notify owners, and dealers will inspect the brake vacuum hose and correctly route it, as necessary, free of charge. Any brake vacuum hose that is damaged will be replaced, free of charge. The recall began March 2, 2015. Owners may contact Land Rover customer service at 1-800-637-6837. Land Rover's number for this recall is P052.
Dates Of Manufacture: AUG 15, 2012 to JAN 07, 2014
Manufacturer Recall No.: P052
NHTSA Campaign ID: 19V392000
Mfg's Report Date: MAY 23, 2019
Potential Number Of Units Affected: 65385
CCC ONE MARKET VALUATION REPORT
SUPPLEMENTAL INFORMATION
Summary: Jaguar Land Rover North America, LLC (Land Rover) is recalling certain 2013-2016 Ranger Rover and 2014-2016 Range Rover Sport vehicles. Due to a problem with the Keyless Vehicle Latching System (KV Latch), the doors may appear to be closed but may be unlatched.
Consequence: The unlatched door may open while the vehicle is in motion, increasing the risk of a crash.
Remedy: Land Rover will notify owners, and dealers will inspect for any issues with the KV system, disabling the KV mechanisms if necessary, and update the KV Latch software, free of charge. The recall began July 18, 2019. Owners may contact Land Rover customer service at 1-800-637-6837. Land Rover's number for this recall is N335. Note: Vehicles in this recall were previously recalled under recall number 15V-385 and need to be remedied again.
Dates Of Manufacture: MAY 08, 2012 to MAR 04, 2015
Manufacturer Recall No.: N335
NHTSA Campaign ID: 20V387000
Mfg's Report Date: JUL 01, 2020
Potential Number Of Units Affected: 6211
Summary: Jaguar Land Rover North America, LLC (Land Rover) is recalling certain 2013-2016 Range Rover and 2014-2016 Range Rover Sport vehicles. These vehicles were previously recalled and repaired under Recall 19V-392, however the repair may not have been completed properly. Due to a problem with the Keyless Vehicle Latching System (KV Latch), the doors may appear to be closed but may be unlatched.
Consequence: Unlatched doors may open while the vehicle is in motion, increasing the risk of a crash.
Remedy: Land Rover will notify owners, and dealers will inspect for any issues with the KV system, disabling the KV mechanisms if necessary, and update the KV Latch software, free of charge. The recall began November 30, 2020. Owners may contact Land Rover customer service at 1-800-452-4827. Land Rover's number for this recall is N476.
Manufacturer Recall No.: N476
NHTSA Campaign ID: 24V840000
Mfg's Report Date: NOV 06, 2024
Component: STEERING:LINKAGES:KNUCKLE:SPINDLE:ARM
Potential Number Of Units Affected: 16759
Summary: Jaguar Land Rover North America, LLC (Land Rover) is recalling certain 2014-2016 Range Rover vehicles. The front suspension upper knuckle joint may crack, which can result in suspension arm detachment.
Consequence: Suspension arm detachment can cause a loss of vehicle handling and control, increasing the risk of a crash.
CCC ONE MARKET VALUATION REPORT
SUPPLEMENTAL INFORMATION
Remedy: Dealers will inspect the front suspension knuckles and install a retaining bracket or replace the knuckle, as necessary, free of charge. Interim owner notification letters, informing owners of the safety risks were mailed December 18, 2024. A second notice is anticipated in late April - June 30. Owners may contact Land Rover customer service at 1-800-637-6837. Land Rover's number for this recall is N759.
Dates Of Manufacture: SEP 30, 2014 to MAR 15, 2016
Manufacturer Recall No.: N759
<table>
<tr>
<th>Date</th>
<th>Time</th>
<th>Event</th>
</tr>
<tr>
<td rowspan="3">02 Monday March, 2026</td>
<td>8:45 AM - 9:15 AM</td>
<td>STRICKEN: Jury Trial: Stach, Rodney: 25-CR-418-SEH<br>OK Northern District<br>07116-Stach<br>Rodney Stach: 25-CR-418-SEH<br>_OKND - Hill</td>
</tr>
<tr>
<td>9:00 AM - 9:30 AM</td>
<td>STRICKEN Jury Trial: Argueta, Ariz: 25-CR-140-JDR<br>OK Northern District<br>06075-Argueta<br>Ariz Argueta: 25-CR-140-JDR<br>OKND - Russell<br>CM - 1/16/26: JT stricken due to COP CM - 6/13: Per MO 128, due to counsel unavailability, scheduling conf is stricken and reset to 6/16 @ 11:30am or immediately following material witness depos BH - 5/28: AUSA to have discovery out soon; material witness in custody for a month now; add date for deposition of material witness; nothing resolved bc no discovery; add new scheduling conference date CM - 5/16: PER MO 85, scheduling conf for 5/21 is stricken and reset to 5/28 @ 10am</td>
</tr>
<tr>
<td>10:00 AM - 12:00 PM</td>
<td>SENT: Arueta, Ariz: 25-CR-140-JDR<br>_OK Northern District<br>_06075-Argueta<br>_Ariz Argueta: 25-CR-140-JDR<br>_OKND - Russell</td>
</tr>
</table>
EXHIBIT B
December 9, 2025
Ryan A Hudspeth
11720 E Memorial Rd
Jones OK 73049-8757
State Farm Claims
PO Box 52250
Phoenix AZ 85072-2250
RE: Claim Number: 36-86Q6-77S
Date of Loss: May 14, 2025
Our Insured: Ryan A Hudspeth
Vehicle: 2014 Rang Range Rover Autobiography 4WD w/Long Wheelbase
VIN: SALGV3TF1EA172579
Mileage: 161009 (observed at the time of inspection)
Dear Ryan A Hudspeth:
We have attempted to contact you to explain your total loss claim and the actual cash value of the vehicle. Actual cash value is determined by the market, age, mileage, and the condition of your vehicle at the time the loss occurred.
To assist us in determining actual cash value, we consider information obtained by our representatives, information provided by you, vehicle valuation services, and other sources.
Source Valuation $16,175.00
Total Additions $1,026.00
Total Deductions $2,000.00
Actual Cash Value $15,201.00
Plus: Taxes $655.29
Title Transfer $95.50
Subtotal $15,951.79
Less: Deductible $500
Payment to Lien/Lease holder (if applicable) $0.00
Total Net Payable to You: $6,983.76
If your vehicle is financed, please contact your lienholder giving them permission to speak with us. Call us with their name and phone number along with your loan account number.
If you have questions or need assistance, call us at (855) 231-1590 Ext. 71389.
36-86Q6-77S
Page 2
December 9, 2025
Sincerely,
Karen Hill
Claim Specialist
(855) 231-1590 Ext. 71389
Fax: (855) 666-0964
State Farm Mutual Automobile Insurance Company
Take advantage of our self-service options
Go to statefarm.com® to easily review claim status, select a repair facility, reserve a rental vehicle, update communication and claim payment preferences, and many other insurance services.
Disclaimer: This content is sourced from publicly available court records.
Crazy Civil Court is an entertainment platform and does not provide legal advice.
We are not lawyers. All information is presented as-is from public filings.