ATLANTA, GEORGIA -- On October 28th 2013, I was rear ended by a 70 yr old guy in a brand new Buick LaCrosse. The damage was so severe that the truck lid was stuck shut, passenger rear door was buckled, whole quarter panel was twisted and the fuel tank vent system was breached. Many warnings lights was on, parking sensors malfunction, fuel tank system warning, etc. The car wasn't drivable.
The insurance carrier of the person that rear ended me is State Farm.
I filed a claim through my insurance company (Esurance) and with State Farm. Esurance claims representative called me back and said he wanted to make sure State Farm is handling this because they're the party at-fault and is 100% responsible.
While I cannot talk about the injuries I have per my attorney, I will tell you how State Farm handled the repair of my 2007 BMW 328xi.
I brought my car to North State Custom bodyshop in Bedford Hills, NY because they're trained and certified by BMW to repair their cars. I told them only OEM parts can be used to repair the car. I made it a point that they need to contact me and discuss before repairing the car as I know it doesn't look good.
A week later I get a message on my answering machine from State Farm saying the car is repairable and it costs aprox $9,000.
I called State Farm back and like expected, no one picked the phone up and they want to have a voicemail left.
Aprox 2 weeks later, more damage was found during disassembly. The bodyshop had to make a supplement twice.
I called State Farm and again no one picked up the phone. I stayed on the line and demanded someone pick up this claim right now.
The lady who read out my claim said my car was flagged for a total loss and it costs $13,600 total for the repairs. She went on to say she doesn't know why they repaired my car because it was supposed to be a total-loss and she doesn't know who authorized the repairs.
I told her I need copies of all the documentation and records on this.
She kept telling me she's not authorized to do that and will have to send me to my claim representative Chona [snip]. Her position is total-loss department.
I finally got through to her and she told me my car is only $900 away from total-loss but it was flagged for a total-loss. She said they use 75% rule to determine if the car is a total-loss.
I told her the car blue book is only 12-13 grand. She tells me they don't use the 'blue book' way and they have a different system of valuing the car.
I asked her what the car's value per State Farm is. She told me they value the car at $17,300.
I said why wasn't it not totaled then? because the damage is severe and there's frame damage.
She basically stonewalled me at this point and said because it's only $900 away from total-loss and went on to tell me it didn't meet the total-loss per the car age and value. Said they're taking 100% responsibility for this accident and handling this case, thus telling me good luck at this point.
State Farm closed the claim saying there's nothing they can do about this now.
Esurance has keep their claim open because the problem with State Farm is not resolved.
To date I have not received any copies of documentation and explanation on how they came up with that value of $17,300.
I got a copy of the estimate papers and it shows that recycled and parts from a similar year model is used and new parts are substituted with aftermarket parts and not all parts are new.
A week later I got a call from my bodyshop saying my car is fixed. It was in the shop for over a month, it needed over 100 manhours to fix it.
I asked them who authorized the repairs because I never gave the go-ahead and the car was supposed to be totaled. They looked at me like they're in shock.
They told me the State Farm appraiser told them to go ahead and repair the car.
I found out State Farm sent the check directly to the bodyshop, very disappointed no one contacted me about this.
I had to return the rental car and pick up my car, it was close to closing time at the body shop and it was a Friday. The shop told me the car frame had to be pulled back to specs and the damage was so severe that the car that hit me probably did not use any braking.
On the drive home, I hear a whirring noise under the car. Sounds like a wheel bearing or the transfer case. When I go highway speeds, there's bad vibration. The car never did this before the accident.
I noticed there's areas of the car that was not repaired to the way it was before the accident, such as the trim on the top of the bumper has a slight curve to it and it wasn't like that before the accident. Also the gap between the trunk lid and the bumper is bigger than before while the top part of the trunk lid is flush with the quarter panels. The replacement battery they used in the repair of the car is smaller than the OEM battery.
On the morning of January 22nd, I turned the windshield defroster on and made a right turn getting onto the parkway, I heard a cracking noise a few minutes later. There's a long crack on my windshield starting from the bottom of the driver's side and runs all the way to the bottom of the passenger side up a slight curve. Upon examination of the windshield from the exterior, there's no impact point or damage that could have caused it to crack.
At this point I'm thinking since the frame was pulled, it stressed out the windshield thus causing it to crack eventually.
I contacted Esurance about this and the claims representative told me they will contact the bodyshop and ask them if they feel the frame pulling has caused this to happen. I know the shop will try to play it down.
I filed a complaint with the Insurance department on this already.
I contacted my insurance (Esurance) and they're trying to find out who dropped the ball at State Farm. But so far no luck because State Farm is not returning calls. I told them (Esurance) they need to push harder and get State Farm to fix this because the car should've been totaled.
MECHANICSBURG, PENNSYLVANIA -- My car (and me) were rear ended at a high rate of speed, while I was waiting to make a left hand turn. The person who hit me admitted it was their fault (100%) and the police report reflected this.
State Farm admitted responsibility and promised to make good on the claim. My car was old (2000 Subaru Outback) but an excellent car. They valued my car at $5300 and the repairs at $4000. The car is drivable but needed to be repaired to pass inspection. They refused to repair it to it's before accident condition and "totaled" the car so I could not even fix it myself without going through a lot of inconvenient title changes and legal loop holes.
Anyone with decent values would fix the car to it's pre-accident condition in this situation. If I was at all at fault I would not be writing this.
I do not care about "rules" "procedures" or profit margins, just write and wrong. This accident is going to cost me at least $3000 to get an equal car (after their "generous" settlement").
State Farm will gladly take money but all you get out of it is "peace of mine" not responsibility. Dealing with his company sucks.
I work for State Farm, claim representative for homeowners claims. I am not a fan of the company, only because it does not fit me and the "workflows" / customer service policies. Sorry, State Farm policyholders, not what you think... all they (State Farm) think about is trying to improve customer service (yet I think many processes are not helping.) Well, I do think they under pay employees, have a horrible rating system for employees, and micro-manage (and getting worse) their employees.
But as to what this web-site is for... hating State Farm for not paying money for claims.
The policyholders need to read their policy and understand what it covers and does not cover, if you don't know (b/c it does look like reading a law review) ask your Agent, yet I feel most Agents don't know squat.
For everyone (I know and will discuss homeowners policies) your policy does not cover flood, it does not cover water that enters your home seeping through a wall or floor, running under doors (flooding, you want water running or seeping through walls, floors, doors, windows covered... you need flood insurance!!!! even if you don't live in a flood plain and your mortgagee doesn't require it). The policy does not cover FLOOD, or water that backs up from a sewer or drain (read the policy).
The policy is not maintanance plan. If water leaks (pretty much anywhere, especially the roof) continuously or repeatedly it is obviously a maintenance issue, or negligence (b/c you didn't bother to fix it). Thus brings to me to... rot and mold. For things to rot or mold it has to have water affecting it for a long (lloonngg) time. The policy covers damage that happens... boom, one time, right now. Thus... Accidental Direct Physical Loss (ADPL)... to me, this means (boom) happened right now. Hail hit your home, wind hit your home, tree fell on your home, wind may has blown rain into your home... ADPL. Yes your roof decking (1x's or plywood or OSB) maybe rotted, but sorry it was apparently leaking for a long time, does it have to be fixed or replaced... yes, but insurance can't pay for it. Rot and mold does not happen after a couple of days or weeks (especially rot), thus why they are not covered (ADPL), you got to stay on top of what is happening at your home.
Sorry for the rant. State Farm pays for what is damaged, sorry but if only parts of your home is damaged, they are only going to pay for damage. If there is only damage to one slope of your roof, or 1 or 2 elevations of your home, they only owe you for that. Sorry it doesn't match, but... policy pays for (say it with me) ADPL.
When the wind blows or hail falls it typically (typically) comes from one direction, thus you will only have damage (typically) from on 1 side of your home. (By the way people can not see (AND AREN'T LOOKING AT) multiple sides of your roof or elevations at one time, so matching is a poor excuse.
HAIL- everybody loves it for insurance. Hail will effect every roof differently. (Although your neighbor got a new roof, you may not.) Older the roof more likely to get damage, (but color of roof, tree coverage, steepness, quality of shingle and direction of house will affect how quickly the roof ages), the steepness of roof, direction hail blew in it at, tree coverage, and quality of roof (funny how that hail damage is related to the factors that determine how quickly it ages) will determine if you have hail damage.
By the way Independent Adjusters get paid based on how much they pay you, so if they don't pay something they are taking money out of their own pockets, so what since does it make for them to pay for 1/2 a roof, unless there is not damage. (I spite those guys, they make WAY more money than us.)
I really do hate my job, it is just not a fit for me, I am a home builder by schooling (Bachelor degree) with 9+ years of practice, and now stuck under fluorescent lights and a micro-managed schedule (to benefit the customer). But you got to know...
Something to keep in mind, there are 4 types of contractors (for insurance purposes):
1) Contractor charges same (honest price) no matter what,
2) Contractor who knows Insurance pays a lot more than normal and will accept the Insurance price (correct and fair price for damaged items),
3) Contractor who doesn't know Insurance process, but knows Insurance pays a lot, so will nearly double price because they think Insurance will pay it,
4) The dirt bag Contractor, who always rips off customers and will try to rip off customer and Insurance company.
(Keep in mind Insurance Adjusters make mistakes (a lot of mistakes) so they miss items, miscalculate, invert #'s or just don't know.
If you were to have a contractor to your house and say how much for a new roof, (as example) contractor #1 will say $9,000 (or you don't need it) & #2 & #3 will say $10,000, and #4 will say $14,000+.
Tell same contractors you got to Insurance claim: #1 will say $9,000 (or you don't need it), #2 will say how much will Insurance Co. pay?, #3 will say $12,000, and #4 will say $16,000+.
By the way to replace the roof is probably $9,250. (#1 is just too honest)
Well, nobody will probably read this so I guess I will quit typing now, but before I am done, I hate my job (I am trained, not used to being micro-managed, under paid (used to make double salary with old career), and don't agree with how much money State Farm pays out for claims (too much)).
We, State Farm, tries its very best to pay claims, and always bends the rules (policy) in the favor of the customer, any grey area of policy means pay the claim. But if policy says,"not covered" can't pay. PERIOD.
So if you can't afford to pay for "some" damage to your home (without insurance) or pay your deductible (including Hurricane or Wind/Hail deductibles) don't own a house. You fools are probably the people who put this real estate / home value / foreclosure / "bad market" into a downward spiral, thanks... I am now doing a job I hate, and you fools are filing claims for 3 shingles missing from your roof (buy a hammer, buy a friend, or have $250 in your checking account) in hopes to have something positive happen your lives... an insurance check (and now that you are laid off b/c of the bad market, you attributed to, you just want the money.)
JOSH - if I ever handled your claim, or if you work with me, you know me (because I am blatently honest all the time to everybody), and know this is all the truth.
PLYMOUTH, INDIANA -- If you think State Farm is a "GOOD NEIGHBOR" your wrong!! I purchased a car and 3 days later was hit from behind while sitting at a red flashing light. I was hit by a person who was not insured and was going 55 mph. My care was a total loss.. police stated it was 100% other drivers fault. State Farm has been rear ended me every since.... which was my insurance!! they took forever to get an estimate, took forever when they finally did send someone out and took the whole back end of my car apart wanting to attempt to fix it with 10,000 dollars damage. Told them I was not fixing this car!! it was hit to hard and bent the frame in the back!! they still wanted to fix it!! finally they agreed to replace the car and I had 5 days to purchase a new one, working until late every night at my job that meant I had 1 day to purchase another car.
Now I have to pay for the rent a vehicle!! and would not let me use my own renters insurance that I had paid for on my own policy.. then State Farm reported I was at fault!! what a nightmare State Farm has been.... I will NEVER recommend anyone to State Farm!!! get out now if you have it, before this happens to you !!! Had to hire an attorney to fight my OWN insurance that I have paid for
VILLA RIDGE, MISSOURI -- We are a small contracting firm in the St. Louis area specializing in insurance restoration claims. Our deal like most of the other insurance contractors is that we complete the work for the amount established by the insurance carriers. We have found that this has the minimal financial effect on our customers with the only out of pocket costs being the deductible and any upgrades.
A large hail storm producing golf ball size hail and strong winds blew through Villa Ridge, MO on 5/13/10. Approximately 1 1/2 weeks later a storm came through producing 60+ MPH winds. One subdivision, Golden Pond has had approx 80-90% of the roofs replaced due to the hail.
We had several houses in this area that we recommended replacing the roofs. The State Farm adjuster met us at these sites and we both inspected the roof. He recommended replacing one roof, did not include any of the roof accessories, IE; vents, drip edge or pipe flashing and only one run of aluminum gutters across the back of the house. No consideration at all for the front gutters or any of the screens that were damaged. His comment to us was you know how the game is played. She is a disabled senior citizen that can barely walk. The adjuster was told, by our customer, to contact us about the claim and we would make the arrangements for any meetings that were needed. He was left several phone messages and never called us back. He went to her home, without us present and settled the loss. I got a call and she was crying saying that she almost fell getting to the door, it takes her over 5 minutes to get to the door. He kept ringing the door bell until she answered. And he missed the interior damages as well.
The other house in Golden Pond he recommended 1/2 a roof, 3 aluminum window wraps and no gutters. A few inappropriate and derogatory remarks about our customer were made by him, such as, "She is kind of goofy isn't she?." She was involved in an auto accident recently and had a brain trauma. He recommended to the homeowner to withdraw the claim so she would not be charged with a claim and to file one later and maybe the front would be covered. then came back 1 hour later and gave her a $1,500 estimate with a $1000 deductible and closed the file. This yard connects to the 1st house we wrote about. The neighbor on the north side, south side, west side and east side of her each had hail damages and got full roofs.
We had the same adjuster on 4 other properties in the area and an independent adjuster from State Farm on the 5th property. We googled a map of the area and these houses are all in a straight line with the yards connected 2 of them, and the street dividing the rest.
He recommended paying for one roof, only half the gutters, a garage door, and had a repair recommendation of $76 for a metal door that was damaged. He denied the damages to the metal pole barn roof. The back yard connects to the independents roof, he did a 100% replacement with no problems.
Directly across the street our customer is another retired senior citizen who was denied. He was told there was no damage at all. We replaced the next door neighbors roof and our competition replaced the roof across the street from them.
Across the street our customer is with a different company and got a whole roof, gutters, siding and a roof on the pole barn. This yard connects to the property of a retired widow. He recommended replacing 1/2 of her dwelling roof, the back gutters, one metal roof and half of another metal roof. His comment to me was " I guess we will see how good your salesmanship is and you can sell her the other half of the roof. He then stated that he did not want to set a precedence on replacing the metal roofs because he does not think the structural integrity was effected by the hail. We met him on site two weeks ago and she still has not received the estimate or check, but has been told at least 4 times that the check was in the mail, an out and out bold faced lie. When she asked for another adjuster she was told that State Farm will not send anyone else out, they have confidence in the adjusters assessment of the damages and his repair recommendations.
Another retired widow house was done half way as well, shingles only on the roof, no gutters, no roof turbines, and no screens. We met him for a re-inspection, he will not pay for one of the roofs on the property. His inspection was 2 1/2 weeks ago, still no check. In the mean time our customer has been hospitalized with heart problems and called me literally crying her eyes out and wanted to know what was going on. She told me her blood pressure was up again over this and she can not deal with it any longer, and that we should go ahead and complete the repairs and she will pay for it all. This is golf ball sized hail that caused the damages.
My last complaint is a customer that we replaced the roof next door to him from the wind. You can lift huge sections of shingles on both the slopes on the garage and house. State Farm recommended replacing 3 square of shingles, and some guttering, with no consideration of removing the tree off of the garage. He now has interior water damages.
MCMINNVILLE, OREGON -- This posting is in regards to an accident my daughter was involved in on April 16, 2010. She had stopped behind a car waiting to turn, and her vehicle was rear ended (and totaled) by another car who's driver wasn't paying attention.
Our agent was very helpful in getting a claim started for medical coverage.
The issue is that the other driver was also insured by State Farm. I found out very quickly that this apparently changes the rules. The rental car coverage that I have been paying for all this time doesn't come into effect unless the claim is made on my policy; which of course it wasn't since the other driver was at fault. Therefore there is no rental car available to used to find a replacement vehicle, unless you pay for it out of your pocket, once the other claim makes an offer for your totaled vehicle over the phone. Not once you receive any money, which takes another few days in the mail; or you can pay for the rental yourself and drive the hour or so to go get it, and while you're test driving vehicles.
I owned the vehicle my daughter was driving for 9 1/2 years, took very good care of it and the engine had a lot of miles on it, but would have easily gone another 100,000+ miles. Please tell me where you can actually purchase an equally reliable running vehicle for $1400?
My daughter is a full time student & her school is paid per term, but she has to pay additional for any missed days to make them up in order to graduate. That's $80/day that's not covered by the insurance, unless she misses 14 days. She had a neck injury that kept her out of school for a few days, but not long enough to get reimbursed for it. She has to pay extra for those days to graduate.
In addition to all of this, even though we're State Farm customers the State Farm people from the 'other claim' were absolutely horrible to my daughter on the phone. The accident was on a Friday, and the following Tuesday she received 8 calls from them wanting information or telling her what she had to do. She was so stressed out by all of this that I talked with them and made sure they understood they weren't to call her about anything else. There were several different people that called, and the information was very contradicting. Like one person telling us to take the car in for an estimate on the damages, then someone else telling us not to take it to a shop and that it didn't matter if we took it in for an estimate on the damages that their estimator had to look at it, then a different person told us that we were supposed to leave it at the shop where the estimate was done...huh? I had already moved it by then.
Then once the estimator looked at it and told me that it was totaled, the people in the claims office told me it wasn't totaled, then another person told me it was, and then yet another person told me that it wasn't really decided that it was totaled. It took 3 days to get a straight answer. My dilema at this point was... do I start looking for a replacement vehicle or am I fixing this one?
Once they decided the car really was totaled, the claim was transferred to the total loss department. It took a few days for them to make an offer, which I refused because I had already gotten estimated values from a couple of web sites my agent had suggested, as well as multiple private party ads for the same year/condition vehicle that were much higher. They took a full week to make another offer, just a bit higher than the first one. By that time I was so disgusted with the whole experience that I decided it wasn't worth it and accepted the (lousy) offer, and moved on to researching new insurance companies.
I have been with State Farm for over 20 years. I have had auto, renters and home owners insurance through them. I kind of expected them to go to bat for me in dealing with the other claim. I actually expected them to protect me and my daughter during this experience. Oh yeah, they were sympathetic & all. My agent did get them to extend the rental car coverage for another 3 days. I still had to pay for a rental car out of my pocket, and then had to borrow a vehicle for the rest of the time till the vehicle could be replaced.
What a nightmare. I am very disappointed. All of the State Farm commercials say "State Farm is there...". They imply that they (State Farm) will help you. Not in this case.
I am definitely moving to another insurance company. I really don't want anything else to do with State Farm. What's going to happen if there's another accident? I feel like I'm just throwing my money away, like they won't be there for me when I need them.
LYNCHBURG, VIRGINIA -- I consider myself a responsible person -- adult, who has never been responsible for any motor vehicle accident. I have no outstanding parking tickets. I take pride in my excellent driving record.
I take pride in my character.
I will assume responsibility for what I must, but I am not so inclined to take responsibility, particularly financial responsibility, for something of which I am not guilty. For 3 years. For an automobile accident I did not cause on November 4, 2009. I will not be accused of something for which I am not guilty. State Farm grossly erred in their conclusion of this accident.
I made a video recreating the accident.
This is not a heavily trafficked area.
There is no obstruction of view.
How many times must I say I was already in the street, preparing to shift gears from reverse to 1st? I was STOPPED!!! The commissioner told me I was at fault because I had pulled out of my driveway.
How many times must I say my car had to come to a full stop, there was a little movement. It's the law of motion. BUT MY CAR WAS STOPPED WHEN SHE HIT ME!!!
In my video, my driver indicated she was going 15 miles per hour. The uninsured teen driver talking on her cell phone told the police she was going 19. Look at the video. Going 19 miles per hour would have alerted this young lady there was on-coming traffic. Me. My car. Already out in the street. Coming to a full stop preparing to shift from reverse to 1st gear. I was already in the street, preparing to shift gears from reverse to 1st, that my car had to come to a full stop. YOU CAN'T CHANGE GEARS FROM REVERSE TO 1ST WHILE THE VEHICLE IS MOVING! How many times do I have to say that?
How many times must I say the uninsured teen was on her phone at the time of the accident? That I went in my house and called the police and my insurer, State Farm, on my phone? We both gave the officer our license, registration and proof of insurance.
After impact, it took 5 seconds for me to get out of my car to go to her. My first concern was her. Was she hurt? She was not looking at me. She was not looking for her phone or dialing a number. She was already on the phone. Crying. She knew. How many times?
She was reckless in her operation of a motor vehicle.
Is it so unreasonable to think a cell phone distracted a teenage driver?
I agreed she swerved. She had to. It was just too late.
Her car made contact with mine. Her front passenger panel was dented. The driver-side bumper on my car was ripped off. Had I been moving with any speed or in any other position, a side panel on my car would have been impacted.
I don't have a cell phone, but I have a multi-policy coverage with State Farm, but not for long.
State Farm never returned my phone calls. We pay you.
I would appreciate a reversal of your imposition of increased fees and premium, and a reversal of my damaged driving record effective immediately. But it will never happen because State Farm paid to have her car repaired.
I would appreciate a restoration of my excellent driving record, I would appreciate the removal of and reimbursement of funds resulting from the premium increase and any and all associated fees and funds due and owing me, and the removal of the 3-year penalty.
I would appreciate the removal of this from my file, which would never happen because it would be an admission of guilt on their part.
State Farm apparently supports cell phone use while driving, particularly from high school teenagers who lack enough responsibility to have insurance, but a cell phone. That is, until the laws change, then they'll be more aggressive with no-phone zones for drivers.
The insurance commissioner said they sometimes rule against agents, but couldn't give me a number. He said, "It happens sometimes." "Well, how often?" "Oh, I don't have that figure in front of me." "I bet it's less than one percent." He was silent and told me he wasn't going to argue with me.
On April 15, 2010, Good Morning America reported two days after speaking with the insurance commissioner. http://abcnews/. go.com/GMA/distracted-driving-federal-enforcement-pilot-program-begins/story?id=10377741 April 30, 2010 is National No Phone Zone.
STATE FARM SUPPORTS RECKLESS BEHAVIOR BY UNINSURED TEEN DRIVERS TALKING ON THEIR CELL PHONES, NOT THEIR CLIENTS!
I did not cause this accident. How many times must I say this?
CHATTANOOGA, TENNESSEE -- I was involved in a 3 car accident. I was sitting at a red light waiting to turn left onto a 5 lane road (counting turn lane). As I waited a red Honda Passport was at my right waiting to turn into the complex I was coming out of. A 1979 Ford truck was coming from my left. They both had green lights, the Honda decided he could make it and DID NOT! His tires had no tread and the truck hit him and that slammed him into me. We had just left State Farm Insurance after over 30 years because of 2 claims that were not our fault but were handled poorly( ill explain after this). They got our car to the body shop. The trucks occupants went by ambulance to hospital. The passport was OK. My back started hurting but I did not go, I went to drive a couple of days later. They start puling my car apart and after fighting about the glass that flew at me and damaged my windshield then glass flew all over my cars drivers side and scrubbed the top of the car. There were 2 places on the roof that were damaged and they said they would fix. We found more scrapes on the drivers side of my car from the glass. They told me at first they would paint the top then after having someone come look at the car again changed their minds because they said my car had been painted before and the spots were not damage from wreck but paint plume. Something of that nature they say was a bad paint job and starts at the bottom were the metal is and just pops up.
I told the girl I'm dealing with there were no problems before especially on the sides where you could see glass had hit and slid down the sides. They "changed" their minds and were now not going to fix it. I told her that in no way am I accepting the car and she told me to get out of their rental. I said fine. We left them before this because of a flood. We bought a car and had it 1 month to the day and it was totaled in a flood. There were many cars in our complex totaled and they instead of towing them to the auto makers were going to a field and would have "experts" from each make come look at the cars and decide what's wrong. They called and said our car needed new carpet and that's it. I asked them if they knew it went to the field on a tow truck, they said yes, I said don't you think a car that just needed carpet wouldn't have to be towed in?
After that they sent it to Mercedes which said if we wanted to strip it completely and start over they would build me a new one. They then tried to price it by comparing cars with 90 to 160000 more miles on it than ours. They are a crappy company. I'm glad we left and wish we had done it sooner!
READING, PENNSYLVANIA -- I'm a retired insurance law instructor in Pennsylvania who now consults for local general contractors on insurance related matters. I attempted to contact several people here directly but emails bounce back, so I'm posting this for everyone to use...
Even though State Farm is licensed to sell insurance in all states, there is no Federal regulatory agency to oversee insurance companies. Individual State Insurance Commissions have done a very good job overall, however whenever the government is involved there always exists the possibility of a laissez-faire attitude.
Contact your state insurance commission about the claim and use some phrases that only an "insider" would know. The only way to stop the consumer abuse by State Farm, Allstate, Travelers and others is a massive number of consumers complaining to the right people. Individual complaints are investigated, massive complaints cause the insurance company to be investigated.
"Insurance is designed to restore the insured to the position he held prior to the loss"
"There are 12 mandatory provisions in an insurance contract" (according to listed complaints, SF consistently violates at least 2)
"Unfair Claim Settlement Practices" is what SF is guilty of. (This is a SERIOUS violation of state insurance regulations)
If you believe that your state insurance commission is "less than effective" I strongly recommend you file your complaint by Certified mail Return Receipt and copy the governor as he usually appoints the commissioner.
Send a copy to the largest newspapers and local TV news stations for coverage, usually they have a consumer watchdog. SF hides behind anonymity, it's almost impossible to get a mailing address or the real name of anyone who works in their claims department or a supervisor. Everyone apparently only has first names, and they disconnect your call when the questioning becomes too hot for them.
Last time I asked for a supervisor, I was put on hold for 15 minutes only to be told that "he's going into a meeting, but will call you back." That was 2 weeks ago, still no return call, must be one hell of a meeting.
[snip] , the CEO promised shareholders 2 years ago that SF would never lose money [on claims] again. He's also the 3rd member of his family to hold that position. His family has controlled State Farm since 1954. Is it any wonder they don't give a damn about the consumer? This sounds more like a Monarchy than Corporate America.
A customer of theirs backed into my sons car at a gas station. Got out of their car, gave my son their name, cell number and my son got the license plate. Before he could get any more info, this person left the scene. My son went to the local police station and filed an accident report. I called our insurance co. Told them about this. The customer service representative checked on her computer and confirmed that the info my son gave her matched identically to what she saw as the owner of the car and that they are insured by State Farm. A claim was filed with them. They have dragged their feet for almost 5 weeks without any settlement. Their customer never filed a counter accident report even though the police contacted them saying one was filed against them. They have 3 different stories that they have told. The simplest one, and the only one that State Farm seems to think is the best to support their side is their customer saying " I didn't do it ". Let me ask anyone out there reading this. .. .have you ever gotten out of your car at a station and given a stranger there your name and cell number for just for the heck of it? Maybe this is standard practice for State Farm, not paying legitimate claims, I mean you need to get the money from somewhere to cover the costs of all those TV ads. here is the latest, the final lie from the person who hit my sons car and State Farm Insurance who is backing this em ef ing you know what. He allegedly didn't have permission to drive the car so they are not responcible to pay the claim. How did he get the car, the keys and a credit card for the gas? Now I have to pay the deductible to cover damage caused by someone else while they and state farm walk away scott free and after 9 weeks of stringing us along.