# State Farm Hail Claim in Phoenix? Select Service, Your Choice, $0 > How a State Farm hail claim works in Phoenix: Select Service is optional, photo estimates are opening numbers, A.R.S. 20-468 shop choice, $0 out of pocket on qualifying claims. - Canonical page: https://dgcollision.com/answers/state-farm-hail-claim-phoenix/ - This file: Markdown twin of the page above (clean text for AI assistants and crawlers) - Business: DG Collision Center, 693 Metro Park Cir #20, Lewisville, TX 75057 — (972) 219-0864 (text: 817-907-2822) — since 1978 - Hours: Mon–Fri 8:30am–5:30pm, Sat 10am–1pm, closed Sunday · 24/7 towing · 4.9/5 on 500+ Google reviews - Full site index for assistants: https://dgcollision.com/llms.txt - Last generated: 2026-08-14 --- # STATE FARM HAIL CLAIM IN PHOENIX? HERE’S HOW IT WORKS Quick Answer Open a comprehensive claim with State Farm through its app, website or your agent, using the storm date as the date of loss: October 20, 2026 for the East Valley, October 21 for north Phoenix and Glendale. State Farm may suggest a shop from its Select Service network, but that’s a recommendation, not a requirement. State Farm’s own claims guidance says you can choose any shop you like, and Arizona law (A.R.S. § 20-468) backs that. At DG Collision Center’s four-bay Phoenix shop, qualifying State Farm hail claims are $0 out of pocket: State Farm pays the repair and we cover the first $1,000 of your deductible. You drive a free loaner from our 30+ car fleet while we work. By [Shah Jiwani](https://dgcollision.com/about/shah-jiwani/) · Owner, DG Collision Center Updated October 22, 2026 18 min read I-CAR Gold Class · PPG Certified The Longer Answer ## SELECT SERVICE, PHOTO ESTIMATES AND YOUR CHOICE Select Service is optional. It’s State Farm’s network of shops with agreements, and the claim line often suggests one. You can say, “Thanks, I’ve chosen DG Collision Center in Phoenix,” and the claim proceeds. State Farm’s program guarantee applies at its network shops; at our shop, the repair carries our own written lifetime warranty. Treat the photo estimate as an opening number. State Farm’s photo tool can produce a quick first estimate from your pictures. On hail, a phone camera in a driveway sees far fewer dents than PDR lights in a shop. We count every dent under the lights and send State Farm a supplement with photos for what the first estimate missed. You don’t have to argue the number yourself. What Arizona requires of the insurer. Under Arizona’s claim rule, A.A.C. R20-6-801, an insurer generally must acknowledge your claim within 10 working days, finish investigating within 30 days unless it reasonably can’t, and accept or deny within 15 working days after proof of loss. It also can’t require you to travel unreasonably far to a particular shop. What you pay. For qualifying claims from the October 20–21 storms, we cover the first $1,000 of your deductible (above $1,000, case by case, and we do our best). The rest of the repair is paid by State Farm, billed honestly at the true cost. You drive a free loaner from our 30+ car Phoenix fleet; when your policy includes rental coverage, we bill State Farm for it, and when it doesn’t, you still pay nothing. State Farm® and Select Service® are trademarks of State Farm Mutual Automobile Insurance Company. DG Collision Center is an independent repair shop, not affiliated with or endorsed by State Farm. General information, not legal advice. ### Got A State Farm Claim Number? Text it to (602) 935-6008 with a few photos. We’ll set up the inspection or free pickup, reserve your loaner, and take the adjuster paperwork from there. Call (602) 935-6008 Related Questions ## ASKED ALONGSIDE THIS ONE **Q: Do I have to use a State Farm Select Service shop in Phoenix?** A: No. Select Service is a recommendation network. State Farm’s own guidance says you can choose any shop, and Arizona law, A.R.S. § 20-468, gives you the right to choose any repair facility. **Q: My State Farm photo estimate seems low. Is that final?** A: No. A photo estimate is an opening number. When a dent count under PDR lights finds more damage, the shop sends State Farm a supplement with photos. **Q: Will State Farm pay for a loaner at your shop?** A: If your policy includes rental coverage, we bill State Farm for the loaner. If it doesn’t, you still drive our loaner for free. **Q: Does a State Farm hail claim raise my rates?** A: Hail is a no-fault comprehensive claim, so there’s no at-fault surcharge. Ask your agent whether a comprehensive claim affects your claims-free discount; our [Arizona rates answer](https://dgcollision.com/answers/does-a-hail-claim-raise-insurance-rates-in-arizona/) covers the rest. Other insurers: [GEICO](https://dgcollision.com/answers/geico-hail-claim-phoenix/) · [Progressive](https://dgcollision.com/answers/progressive-hail-claim-phoenix/) · [Allstate](https://dgcollision.com/answers/allstate-hail-claim-phoenix/) · [Free loaners in Phoenix](https://dgcollision.com/free-loaner-cars-phoenix/) · [Our Phoenix shop](https://dgcollision.com/hail-damage-repair-phoenix/)