My experience with State Farm has been completely opposite. My son totaled two new cars in one year - State Farm immediately paid us more than we paid for the cars AND our rates did not increase.
Nonetheless, in general, I agree with Jerry - do not expect much from an insurance company. Liberty Mutual was a PITA regarding paying my brother who was hit while riding his hog in TX - a pickup driver changed lanes and ran into my bother. The culprit was minimally insured (a legal way to have almost no insurance in TX). Liberty Mutual, delayed, lied, and tried to quickly pay a little as long as we signed-off that we would not seek any other (liability) insurance payment from them.
