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@jorica You'll probably get it back, just not right away. File with your own insurance, and let your adjuster take it to arbitration. In every state, the driver making the merge has a duty to make the merge only when it is safe to do so. Unless you sped up to keep her from merging, that's...

@gd4l State Farm uses an accelerometer. It can only measure acceleration and braking and cornering. Although it does give you information on phone use and Roads taken. But the discount only uses the data from the accelerometer on the vehicle itself. It doesn't use your speedometer anymore.