State Farm Auto Exam UPDATED VERSION 2023
QUESTIONS AND 100% VERIFIED ANSWERS BY
EXPERTS
Certified Crash Related Non-OEM Parts - Ans such parts are subject to certification standards developed by an organization approved by State
Farm*:
•Bumper components •Lighting components •Radiator supports/tie bars and associated mounting components •Outer sheet metal and plastic/composite parts
The vehicle owner may request a new non-OEM crash part that is not certified. In this situation, we should pay the claim based on the part being utilized
Claims Summary - Ans 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 dam ages will assist us in determining whether certain operations are payable
Competitive Bids - Ans The competitive bid process requires that two or more repairers submit competitive estimates or "bids" for a specific repair job. The amount of the low, complete bid is generally considered to be the "competitive" price and is used as the basis for settlement. In all cases, the vehicle owner selects the facility that will perform repairs.
Contracts with repairers - Ans 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.
Determining Repair Costs - Ans 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 or other repair operation, the labor estimate is based on judgment time. When
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