If your wife was in her lane, the lane was a legal lane of traffic and the other vehicle turned into her lane, then generally the vehicle already in the lane has the right of way. You need to inform the insurance company of this and inform them that their contention of your wife being 100% at fault is in bad faith and you will pursue them for damages in excess of the claim for their bad faith denial. The only way your wife would be at fault would be if she was passing in a non-legal lane of traffic when the other car turned left into her.

These same insurer cases are rough to deal with because your leverage is not as good as when there are two separate insurers involved. As far as your insurance rates, I am afraid we have no way of knowing how much they will go up and many times State Farm will give you a 1 time pass on a rate increase for a first accident or will have a minimal increase, but they do not publish those increases to us for us to know what they would be.

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That is not an "indisputable" law. If your wife was in her lane and it was a normal lane of traffic, then the party making the left turn was responsible for making sure the lane was clear before turning. The police report on the accident needs to be reviewed of course to make a final determination, but this is not a hard and fast rule that you are being told by state farm.

You asked a question and it was answered, if you required more information, please ask as you were requested to do (I know this site is confusing so it is not your fault).

You are being lied to by State Farm because they will do whatever they can to avoid having to pay. This is what their adjusters do, they are paid to minimize damage to the insurer. If this other vehicle cut into your wife's lane of travel and your wife was in a regular travel lane, then your wife was not wrong.