Some states are no fault. My son was hit in Utah. Other drive acknowledged they caused. Utah is not no fault.
State Farm was a NIGHTMARE.
It took 3 months and two states to finally get it done.
They slow walked for weeks, saying we couldn’t take the car to a dealer, which was required by our lease - that we must go to their store or pay the difference. Additionally, they wanted to buff out a very expensive headlamp that the dealer said must be replaced.
We ending up making no profess - and in state #2 - we finally got in the shop and they only rented us a car for 20 days. The work took longer - they extended but through lots of calls. The estimate was higher than the first dealer. Finally - they agreed to pay and the body shop could order parts.
Working for a car company, I asked dealers about them - two said they tell customers they won’t work with them, they are welcome to pay cash and seek reimbursement on their own. Others said - they loathe them.
So not a fan - but both my kids have with renters.
As for Farmers - a forever grudge - we had water intrusion growing up, they wanted to pay $8K. My dad had a friend who was an insurance investigator - he knew what it was. There was litigation - Farmers was found guilty of bad faith and had to pay more than the damage caused and yet it probably took a few years off my dad’s life…just harrowing.
They all act like they are there for you.
Donegal was very good on a claim - I’ll say that.
Never heard of them but the broker put us there.