re: State Farm claim - Need a little help

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do you work for State Farm?

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Used to.

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If so, why does SF often require a police report to open a claim but needs to talk to the insured before paying a PD claim?

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They normally don't require a police report. Actually, they can't require a police report, as sometimes this is not an option. It is preferred to have the report, however.

All insurance companies must talk to their policyholder before moving forward with a claim. That's SOP.

The OP could have filed it under his policy if he was frustrated, then been out his deductible until SF spoke to the other party and reimbursed the OP.