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I have been with State Firm for over 12 years, and recently read my policy booklet, and found this out. Based on the way State Firm's auto policies read I am very unhappy. State Firm gets to dictate what is competative in the market area, and because the majority of the shops in my area are not good shops, State Firm will not pay to have my vehicle repaired properly because it isn't competative in the market area as my policy reads. This also means that if I hit someone and they take their vehicle to a quality shop and State Firm does not pay for the cost to repair the other party's vehicle properly, then I can be sued by the person I hit.