One really couldn’t hope for a better response than yours, even in details like also adding Liberty Mutual.

State Farm’s adjustors act upon a universal ideology. Their captive agents have nearly zero influence over them. The only difference in service that you’re likely to experience is in communication between yourself and the captive agent.

You’re seem both knowledgeable and rational. My paragraph above is flawed or you’ve some sort of exceptional situation. If it’s flawed then please teach me why.