Every experience I have had in the last 50 years with a State Farm insured has been
one person had a 70 Challenger dash / firewall meltdown. She had owend the car since high school and had insured it with SF fo rover 40 years without a claim.
I bid the the jobat 18K if I remember correctly. The adjuster called me and said your estimate is for all new parts. I responded with yes. He said well can't you get used ones much cheaper? I responded with I am not putting 50 + year old used electrical parts on a car as if it burns down again in 6 months you'll be on my as-.
She wound up taking the car to a family friend who bid the job 100.00 under me. OK 4 months later I get a call from her wanting advice as State farm is refusing to pay I politely said it is up your repair shop to come to an agreement with your insurance adjuster who should have authorized the work before starting.