UPDATE!!!2025/2026|GUARANTEED
Select Service Program - ANSWER In some market areas, repairers have been selected
to participate in State Farm's Select Service Program. The program is designed to enhance
claim service, increase efficiency, and afford customers an opportunity to select qualified
repairers to inspect and estimate vehicle damage
Paintless Dent repair - ANSWER Paintless Dent Repair (PDR) is an industry recognized
repair process that involves the removal of hail dents or other types of damage from metal
exterior surface panels without disturbing the vehicle's finish. In most cases, this procedure
involves the use of specialized tools to apply
pressure to the backside of the panel to remove surface imperfections. Other techniques
may be used to repair damage from the topside of the panel, depending on the size and
location of the damage.
By using either of these techniques, the technician is able to restore panel appearance
which eliminates the need for refinishing the panel's surface area. The PDR process is often
used to repair hail damage or other similar dents that occur when an outer panel strikes (or
is struck by) an object that has not compromised the finish of the panel. Since the outer
finish of the panel has not been disturbed, it eliminates the refinishing process
and may allow for repairs to be completed in a more timely and cost effective manner.
Determining Repair Costs - ANSWER The prices we pay for most repair operations will
be determined from printed or electronic
collision estimating guides and repair facility survey results. However, it is not possible to
determine the cost of every repair operation from these sources. For example, when
estimating a sheet metal
1
, or other repair operation, the labor estimate is based on judgment time. When estimating
judgment time, it should follow what is competitive in the local market to repair the vehicle
in a quality manner.
Estimats are based on - ANSWER Estimates written or approved by
State Farm are based on labor rates and repair costs not to exceed what is charged by a
majority of the repair market in a given area.
Contracts with repairers - ANSWER We do not enter into contracts with repairers on
individual repair jobs on a fixed or "contract" repair job basis. We pay for the estimated cost
of repair based on physical damage caused as a
result of the loss.
Freight Charges - ANSWER Similarly, if freight charges are submitted to State Farm for
payment, payment should normally be resisted. Freight charges are not considered as part
of actual repair costs and are generally aligned with an expense a repairer or dealership may
incur as a result of operating the repair facility business. If a circumstance arises that may
warrant additional consideration, local management should contact their assigned Estimatics
consultant.
Minimum Cost - ANSWER Establishing minimum costs or authority levels can provide a
realistic measure of repair costs for items such as the number of hours allowed for a
complete refinish job, material costs, or similar items.
Publication of survey information - ANSWER We will not knowingly violate that
confidentiality by publicizing individual
survey data to persons outside our organization
Claims Summary - ANSWER State Farm will pay claims based upon reasonable,
competitive prices for repairs necessary to
repair the vehicle in a quality manner. The policy contract and law of damages will assist us
in
2
Select Service Program - ANSWER In some market areas, repairers have been selected
to participate in State Farm's Select Service Program. The program is designed to enhance
claim service, increase efficiency, and afford customers an opportunity to select qualified
repairers to inspect and estimate vehicle damage
Paintless Dent repair - ANSWER Paintless Dent Repair (PDR) is an industry recognized
repair process that involves the removal of hail dents or other types of damage from metal
exterior surface panels without disturbing the vehicle's finish. In most cases, this procedure
involves the use of specialized tools to apply
pressure to the backside of the panel to remove surface imperfections. Other techniques
may be used to repair damage from the topside of the panel, depending on the size and
location of the damage.
By using either of these techniques, the technician is able to restore panel appearance
which eliminates the need for refinishing the panel's surface area. The PDR process is often
used to repair hail damage or other similar dents that occur when an outer panel strikes (or
is struck by) an object that has not compromised the finish of the panel. Since the outer
finish of the panel has not been disturbed, it eliminates the refinishing process
and may allow for repairs to be completed in a more timely and cost effective manner.
Determining Repair Costs - ANSWER The prices we pay for most repair operations will
be determined from printed or electronic
collision estimating guides and repair facility survey results. However, it is not possible to
determine the cost of every repair operation from these sources. For example, when
estimating a sheet metal
1
, or other repair operation, the labor estimate is based on judgment time. When estimating
judgment time, it should follow what is competitive in the local market to repair the vehicle
in a quality manner.
Estimats are based on - ANSWER Estimates written or approved by
State Farm are based on labor rates and repair costs not to exceed what is charged by a
majority of the repair market in a given area.
Contracts with repairers - ANSWER We do not enter into contracts with repairers on
individual repair jobs on a fixed or "contract" repair job basis. We pay for the estimated cost
of repair based on physical damage caused as a
result of the loss.
Freight Charges - ANSWER Similarly, if freight charges are submitted to State Farm for
payment, payment should normally be resisted. Freight charges are not considered as part
of actual repair costs and are generally aligned with an expense a repairer or dealership may
incur as a result of operating the repair facility business. If a circumstance arises that may
warrant additional consideration, local management should contact their assigned Estimatics
consultant.
Minimum Cost - ANSWER Establishing minimum costs or authority levels can provide a
realistic measure of repair costs for items such as the number of hours allowed for a
complete refinish job, material costs, or similar items.
Publication of survey information - ANSWER We will not knowingly violate that
confidentiality by publicizing individual
survey data to persons outside our organization
Claims Summary - ANSWER State Farm will pay claims based upon reasonable,
competitive prices for repairs necessary to
repair the vehicle in a quality manner. The policy contract and law of damages will assist us
in
2
