One of my brother's law school professors explained it this way- - - -"lawyers can work for two types of clients, criminals or insurance companies. Criminals don't have much money- - -insurance companies have lots of it. With criminals, however, you get a better class of client!"
Having owned and operated a couple of body shops, my take on State Farm insurance is to be prepared for every lowdown, sneaky trick in the book to avoid making a fair settlement, or sometimes simply an outright refusal to pay a claim. They do have a tendency to make a settlement offer on the courthouse steps a few minutes before going to trial.
Jerry