Sreets, never had a problem with State Farm either!! All three of mine are full coverage and stated amount! Get your estamates and really no questions asked! I had a deer total out my 91 s-10 a couple of years back, they paid me right away plus I bought the truck back from them for 300 bucks, new radiator support, door fender and grill, bumper at the local junk yard and it was on its way for hunting/parts hauler!!