兄弟，threaten them with lawsuit

如果state farm还是那么牛B, 你写一封registered letter给state farm， threatening them with lawsuit.

如果这招不灵，就收拾点证据，suit the insurance co. Mostly likely they would settle with you outside of the court.

俗话说：“经历胜过财富”。没上过庭，就上一次，长见识，也让你的下一代be very proud of you.

英文不好，没关系，写一份report，到时给judge，defendant各一份，慢慢说。

Good luck.