I've had State Farm for 30 years and filed about 6 claims, including 2 totals the first 5 years I had a license. After moving to Seattle, I went through 4 windshields with semi-trucks throwing rocks. Not to mention 1 bumper smash in State Farm's own lot, and another in a parking garage. Only the 1st total was my fault, the rest were not. But each and every time, State Farm paid quickly, no questions, but of course I'd get a rate hike. However, after 2 years of no claims, they'd take the rate hike off again.