兄弟，threaten them with lawsuit

如果state farm還是那麽牛B, 你寫一封registered letter給state farm， threatening them with lawsuit.

如果這招不靈，就收拾點證據，suit the insurance co. Mostly likely they would settle with you outside of the court.

俗話說：“經曆勝過財富”。沒上過庭，就上一次，長見識，也讓你的下一代be very proud of you.

英文不好，沒關係，寫一份report，到時給judge，defendant各一份，慢慢說。

Good luck.