Trust me, if you are dealing with State Farm..... get a lawyer. They tried to cheap out on my dad's 73 Challenger 340 when one of their insurees T-boned him at an intersection. He wound up having it appraised and proved what work the car had done to it before they would pay up what it was really worth. It was worth it.
State Farm is great if they insure YOU.... and horrible if they reperesent the other guy.
And Geico sucks too. Kill every lizard you see! And beat up the caveman...
Alan