In most cases, State Farm will usually require proof of your medical bills and records in order to make you an offer for your pain and suffering. On rare occasion, I have heard of State Farm offering a small amount (between $500 and $750) for pain and suffering, and offering to pay a certain amount (up to $10,000 or so) of medical bills without proof of medical bills or records. If they make that offer, they'll agree to pay your reasonable and necessary expenses for 180 days of you releasing State Farm's insured driver of any claims. However, I've only heard of State Farm doing that when it was a heavy impact car accident. In other words, the damage to at least one of the cars was huge. It seems like State Farm has taken a page out of Progressive's playbook. If you are injured, be very careful accepting that offer. For starters, you have no idea if your injury will worsen. You can wind up needing a surgery. And if so, the value of your (surgery) case could be multiples of State Farm's lowball offer.