You're basing this on what? A feeling?
Take a look at the question you're asking. Can you spot the problem?
On topic: We are a seriously litigious society. 10-1 if the plaintiff won, State Farm would take 60% of the payout, lawyers another 30%, and Thou would get 10%. State Farm would then raise her rates.
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Where did you see she bought a 4S in 2016? Also, why do you keep specifying Apple Store? The vast majority of iPhones aren't purchased in an Apple Store.
No State Farm cancels you when you make claims. They are the worst for that.