The law in many States allows the vehicle owners to choose a repair shop without interference from their current insurance company. A deer ran into my stopped vehicle and State Farm only paid about 50% of the cost of repair...My deductible was $500.00 NOT fifty percent of the repair. I have never filed a claim before...and my last ticket was 32 years ago. This is going to litigation and I will ask for all of my policy payments to be refunded due to breach of contract. Go read about all of their other thefts