My experience with State Farm has been a Horror Story. First of all, if the other person is at fault but also insured by State Farm, they completely abandon you. You're left with the account that is playing defense, and they play very very hard ball. In short, if your busa is totaled and you are almost killed, they won't so much as buy you a new motorcycle jacket. You'll wait for a settlement offer that makes any kind of sense, and you just keep waiting. They give you nothing.