LANSING, MICHIGAN -- While I am not a fan of having to have auto insurance, I understand the need and respect the law. In a past visit with my agent to review my coverage needs all I heard about was him and how magnificent he was. I now know more about him and his family than he does mine. Not to mention he is a braggart who likes to talk about how many toys he has like snowmobiles and corvettes... He also thinks he single handedly fixed an issue with the local union (UAW) which I find incredibly difficult to believe since I know many of the people involved with the issue. I digress.
After my visit and approximately 7 years of prompt payments with no claims, I decided I wanted to switch insurance companies and started to get some quotes. This is when I found out there was "a lapse in coverage" which could not be true. The company I was having quote me indicated that according to their records, there is no coverage reported for approximately a one year period. I immediately called my "new best friend" (sarcasm) to inquire why my policy showed a lapse in coverage during said time frame and he indicated that was not the case.
Long story short, due to this so-called lapse in coverage, any new insurance company would have to charge me outrageous amount. The truth be told and I have not been able to confirm this but, in my opinion, my agent basically has me over- a-barrel because in order to switch companies, it will cost me more. Has anyone ever heard of this type of scam by the insurance company/agent to prevent their clients from switching companies? My next step is to just switch agents and see if that will somehow show my "new bff" what an ** he is... Not sure what my other options are.
BIRMINGHAM, ALABAMA -- I was in an auto accident on the 11th of one month. I was at a stop sign and had clear sight of no traffic coming from my left. The road had a hill to the left and the car was not in sight. As I proceeded through the intersection another vehicle came flying over the hill at an accelerated rate of speed. The area was residential where the speed limit was 25 mph on both roads. He struck me on my left rear quarter panel, the Jetta Sun around almost landing in a ditch. My left rear tire was bent into the axle. All the air bags went off.
When the policeman got there, the other person lied and said they were only going 25 mph. State Farm totaled my car and two months later I hadn't received the money. The other guy was also State Farm. He was in an older Accord. He received his money in 2 1/2 weeks. State Farm wouldn't disclose the total amount of damages. But when I called the body shop a few days later, he said he was up to about $3500 but had one more air bag to price.
State Farm wouldn't send an adjuster and took the body shop's estimate. They wouldn't send an adjuster to rate the speed of impact. Then they screwed up the car rental and it took repeated calls to finally get my money. The amount of damages couldn't have been greater than 70 or 75% of the value. I was very disappointed with my agent than with customer service.
PHOENIX, ARIZONA -- I signed up with State Farm through my fiancee's sister who works for them. I also signed up for auto draft payments. After signing up they sent me a form via email to put my electronic signature on and send back for the auto draft. I did this. Next day I get an e mail saying they didn't receive it. I send it again. Again I get a request for the same form. So I figured it was due to sending it via my phone. I called my sister, had her get into my email and send it from a home computer.
I then called to verify they received it and was told yes.the next month I get the request again! So I emailed back and asked why I was being told to sign it again. We never received it... I happen to be driving through phx at the time so I told my fiancee's sister that I would stop at the office and sign it in person. She tells me no just email it. I didn't want to do that because they told me in the past we were good. Then I get an email saying they did receive it but not the attachment. Well the attachment wasn't what I had to sign. Anyhow I send it. They confirm getting it.
Next month comes and guess what I get in my email... so I emailed back and said that I've done this several times. The problem is on their end and I would rather cancel and pay more with someone else then be hassled every month. Then my fiances sister text me telling me not to be rude to her co workers that if I have a problem with my insurance go to her and how it was a computer error not theirs. I replied that regardless of her connection to me outside of her work, I'm still a paying customer and expect the service I pay for and that there is no such thing as computer error just error of the programmer.
Then a new problem arises. I needed a sr22 for my fiance to reinstate his drivers license. I text his sister and told her I need one asap. She doesn't get back to me. So I called the office. The lady was very nice but couldn't contact the underwriting department because of the time. She then reassure me she would call me back by Fri. Then I get a text from the sister saying they called her and he can't be on my insurance and if the other person underwrites my insurance they will cancel my policy to go to another company.
This insurance company was the biggest pain in my butt. also the staff apparently doesn't know how to separate business from personal life. Threatening to cancel my policy for adding one of their family members.. really!!! Anyhow I called Geico. Not only were they friendly they had the sr22 sent to DMV before we were off the phone, offered to assist me in getting a refund from farmers and it was CHEAPER!!!!
I signed up for State Farm insurance early this year. In the second month of billing, my bill was increased to more than $300 per month, up from around $240.00. State Farm claims that I was notified of the pending increase by mail, but I did not receive it. They also have not provided the letter draft date or mail date, only reiterating that it was sent even though my preferred method of communication was listed as email. As soon as I saw that they had gone on my account without my permission I cancelled and I estimated what my anticipated refund should be. In the same cancellation email, I asked that they confirm and explain any differences to me.
This was never done and even though I cancelled on the same day the transaction hit my account, I only got $70 back. The short rate trap that they used to unethically profit for services not rendered was explained only after the fact of retaining most of my money and even then, the explanations changed based on my response. Basically, I paid $230 for one day of coverage in addition to the new insurance that I had to obtain. I will never use State Farm again and I would highly discourage anyone from getting involved with this company.
WAUKESHA, WISCONSIN -- I was hit by an uninsured 19 yr old on January 24th of this year. I have been trying to settle this for almost 7 months now! I had to call my agent for updates and was given different numbers to call for info, this is not MY job!! I pay the extra for uninsured motorists, but I am the one getting all the crap. I had to go to Urgent Care 2 days after the accident because of a shoulder injury. I have been trying to settle for pain and suffering with some guy named **, but it takes up to 2 weeks for him to get back to me.
I called my agent ** and told him how unhappy I have been and will not renew my policy and he didn't even try to keep my business... REALLY???? I know I probably won't hear back from anybody, but 7 months to settle?? 4 months to find out he didn't have insurance?? UNACCEPTABLE!!!
BLOOMINGTON, ILLINOIS -- State Farm is NOT a good neighbor. They were not there for me and my family. After being with State Farm for over 30 years and spending over $150,000.00 on house, 3 cars & umbrella insurance State Farm screwed me & my family. After I expressed my concerns with the Collision Shop and State Farm that my 2009 Toyota Corolla should be totaled, they repaired my vehicle $134.00 short of totaling it.
Now I have a car that has no value. I can't sell it or trade it in. This is how State Farm treats a loyal customer after 30 years and spending $150,000.00. Everyone needs to know what State Farm has done to me and my family. Please DO NOT use State Farm for your personal or business insurance needs. What they have done to us...they can easily do to you.
CIRCLE PINES, MINNESOTA -- If you have a State Farm auto insurance policy, shop around now because you may be paying too much! I was. I have been a State Farm customer for over 24 years. In May I paid $515.29 for 6 months of coverage on my 2000 GMC. In July, when they found out I got a DUI they didn't bother raising my rate, they just cancelled me. Progressive knew I had the DUI and picked me up for $539.50 for 6 month policy. I wonder how much I have been overpaying all those years when I had a clean driving record. You can be sure from now on I will be comparing coverage and rates every few years.
MCALLEN, TEXAS -- I have been a State Farm customer for a long time. I had my house with them and my 4 vehicles. Hail damaged my 4 cars. We only claimed one because three of them only had minor dents and little white spots in the windshields. The one we claimed had major dents also with little white dots to windshield and a bulls nose that we had cracked the windshield all across and all above.
When I was getting out of my vehicle, the claim adjuster immediately told me that the windshield crack and permanent white dots that my windshield had were old and that I could not claimed them as "hail damage". This comment sparked a discussion of me stating "yes the windshield was broken before but not as broken as it is right now. As it is I have to replace it immediately".
He was arrogant/irritated. I responded that if he told me that my windshield was not going to be replaced due to it was broken prior to hail storm, I could understand that. But not to tell me those permanent white dots and the increase in the size of the crack was not due to hail. He stated that a lot of people were trying to get their cars fixed with the excuse of hail. We engaged in a heated argument and I left without accepting the claim. I called customer service to complain. I stated I pay 10,000.00 per year for home and vehicles for peace of mind. There are other insurances out there that charge me 5,000.00 per year or less for exactly the same coverage.
When I wanted State Farm to recognize that the windshield was further damaged with hail, I was just requesting the peace of mind that I thought I would have with a "reputable" insurance agency. The windshield costs $180.00 and state farm charges me 10,000 instead of the others that charge me $5000,00. I was not upset for the $180.00. I was upset because for all these years I have been paying so much extra money to discover I was enrolled in a lousy insurance company that is telling me that my windshield was not damaged by hail when it happened while I was driving my vehicle.
The manager stated, he had been working for State Farm for 30 years and he had a lot of hail damage experience and that it was very "strange" that down here in the valley the amount of windshield claims was much higher than in other parts of United States. That people were trying to claim other damages the vehicles had, into "hail claims". I responded that my coworkers were with other inexpensive insurances paying much less than me and they treated them very well, did not have any problems with their claims, and even had rentals meanwhile their cars were fixed. Some cars were even totaled and claims were paid immediately.
The agent proceeded to tell me that hail was "water" could not have damaged my windshield leaving those permanent white spots. I answered him that "water" had a different density and had a factor of velocity added to it. He stated, bottom line, hail does not cause "that" damage". The claims attendant, the manager, were rude, racist against the people in the valley, and arrogant. I feel I have been paying the extra $5,000.00 per year for a "peace of mind" that never existed.
Now I regret having been in State Farm for so many years. I feel I have been throwing my money away. Learned from personal experience. Moving to the "lot less expensive" insurance company and looking forward for the customer service they offer.
GARDEN GROVE, CA -- My husband was originally the only one that was insured by State Farm. My car insurance company ended raising my coverage due to mix up and it took forever for them to sort their error out. At the end, I opted to change carriers. I just didn't want to deal with the BS. I had my husband add me to his plan. That alone took awhile. To me, I would think they would love to have me added on to the plan. It ups the rates in-turn making them more money. So after about a month things were finally on track.
Then my mothers insurance was up for renewal and I told her that I would add her to the our plan since I was taking care of all those sorts of things for my household. I add her and the extra car on three months ago. Our agent quoted us a price and we were billed at a totally different price. It was crazy. My husband called and spoke to our State Farm Agent. He told my husband that it was an error that he would take care of it. He said to make our regular payment and that he would inform us of the balance due for adding a third car. Great, super, fine. We did as he said. We continued to call him trying to get the amount that was due for adding the third car.
No call back, no reply to any of the emails that I had sent. NOTHING! He (our agent) finally called my husband and said that all we needed to do was pay X amount and we would be fine. We asked if the third car was covered and he said yes it has been for the past month. So I sent of the check for the X amount and at the end of the month I receive a refund check with a letter stating that my insurance has been cancelled due to delinquent payment.
We called over and over and over. Got nothing, then finally a call back and the apologies of this went wrong and that went wrong. I was at the point of just tell me how much I need to pay to get all three cars covered. Again I was given an amount needed. I wrote a check for over $600.00. The very next invoice comes in and I open it to see what is due and my blood pressure went through the roof. I couldn't believe it. They were charging me to re-installment fees on all three cars. I spent the next four days trying to get a hold of my agent again.
On the fourth day I damn near lost my mind. I ended up calling Progressive and signing a contract with them. About three hours after I signed with Progressive my agent finally returns my call. He couldn't even answer my question of why am I having to pay additional money because he made an error; after I just paid over $600.00 last month. No answer, so I told him that he could basically kiss my butt and to cancel my policy that I was going with a different insurance company. I received a half ass apology, but at least I don't have to deal with them. Good neighbor, I seriously doubt that!!!!
I recently got in an accident where I got rear ended and pushed into the car in front of me. My car got the worst of it with rear and front end damage. I call my State Farm agent immediately and he tells me that I can file with him or them, but since the other driver is at fault, you should file with the other company. I do this and the other company files my claims and ask that I take it to a shop to have an estimate and take photos to send to them. I go to BMW since my car was recently bought.
BMW tells me that I should call my own agent to claim since the other insurance carrier wasn't too big. So I do this and this was the biggest mistake. One, my agent wanted to me to go to an "authorized" body shop. I had dropped my car off already and taken a $20 cab home. I told him I wanted it done at the dealership I bought it at with new parts and I'm not moving it. He agrees to send out a claims adjuster. Kept saying bodyshops are like McDonalds, all the same. Or its like a PPO, you need to go to a preferred shop. Moving on, he agrees to file the claim and send out an adjuster.
I told my agent and adjuster that I want brand new parts on my car. They estimate my car with used parts and say it is company policy and there's no law in Illinois that says it needs new parts so they go by policy. The difference is 1K dollars for the new parts and they tell me they are sorry, but I need to pay the difference out of pocket. I ask them if I am their customer and if they care about me or are they worried about making driver at fault insurers happy by sending them a bill for 1K less.
They keep harping that its policy. I speak to one representative that says she will call and ask the difference and see if they can get it approved. Then I don't hear back so I call another and this one says this is the difference and I need to pay for it out of pocket. Their estimate is done, it has used parts, and they will not make any changes to it. They also have the audacity to tell me that my car is used, so it needs used parts. That it needs refurbished 08 parts and if they have it they will use it b/c they don't make new parts for my car. I ask them if they didn't have't a refurbished part, what would they get to put on my car... classic response: a new part. This blew my mind.
So to conclude, instead of making me happy and going after the insurer that is at fault and collecting on everything, they'd rather not deal with it, close it out, and tell me I owe 1K out of pocket if I want new parts. This is my choice they say. This is ridiculous I say. Good luck to anyone using these losers, I will tell everyone possible that State Farm is terrible.