Arbitration is commonly used to resolve disputes when the parties cannot come to an agreement when disagreements take place. Because State Farm and the consumer cannot agree, both parties should request an arbitrator to settle their dispute. In this scenario, State Farm Mutual Automobile Insurance Company did not demand that arbitration be recognized. Arbitration should be an option to the discretion of both parties. Most of the time, it is an option, nevertheless, printed in such small lettering that it is usually not easily seen. In this case, it was unfair that the police officer was denied the arbitration process because he was on duty at the time of the accident. No matter what the circumstances are he should have been given the