Same here. Two months ago I had the first accident I have ever had. I was backing out of a parking place and I tapped the passenger side front finder of a car that was behind me. No damage to my Ford F-150 bumper. But the plastic bumper of the other car was dented. This was in a parking lot but the city police were called - no tickets were issued but it was good that the policewoman filled out an incident report and gave copies to both of us. I contacted State Farm and they assigned me to what they called team 22. A team member called me later that day and I was told they would take care of everything. I would not have to pay any kind of detectable and that the other driver would be supplied a rental car while their car’s bumper was fixed.
I have not heard a word from State Farm or the other car owner since. I assume everything was taken care of as they said they would do. This was better service than I expected. I have two vehicles and a house insured with them.
I have raised 4 teenaged children with State Farm. My second daughter had 5 accidents (minor) with State Farm.
Never had a problem getting them to pay.