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.
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.
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!!!!
ORANGE PARK, FLORIDA -- I was looking for a cheaper rate on auto insurance because my car wasn't running and Geico and Progressive wanted to charge over $60 a month. I'm not working, so I needed to find a way to save money. I used an online quote to compare rates and discovered that State Farm had the cheapest rate. My mom and dad have home owner's insurance through State Farm and told me that the auto insurance was pretty good. I decided to hold off contacting the nearest office because I did not like being required to use an agent in order to do business or make a payment. I'm self-sufficient and technology savvy. It seems like State Farm is better for those who are technologically challenged.
Anyway, I received a phone call from another office and the agent asked me to call him back so he could give me an accurate quote. I opted to call another office nearer to my residence so I could go to the office if need be. I was assigned to one of the Multiple Line Representatives and got an accurate quote. I was told my monthly payment would be $33 and I opted to cancel my insurance with Progressive and sign up with State Farm since their rate was half of what I was paying. I made my payment and everything was fine.
Fast forward to two weeks later, I received a notice in the mail that my rate was being adjusted upwards because I lived with my parents. However, I have had insurance before and have NEVER put them on it because they have their own insurance and I have mine. They also never drove my car and the title was in my name and ownership. I called my representative and she asked me to scan my parents' insurance card and she would submit it to corporate to have my rate re-adjusted. She said it would probably take about a week and she would call to update me.
That, however, NEVER happened as I had to email her twice and call her twice to receive an answer. After more than 2 weeks, I was told nothing could be done and State Farm requires that every household member (whether they drive your car or not) must be on the policy. I never drove my car after I started the policy, either, so it was a waste.
Also, I decided to have my car towed to a repair shop to have an inspection and check if the car could be fixed before I decided to sell it. Most insurance companies have a preferred towing company so I decided to email my representative after hours and asked her to call me the next day. She decided to email me instead. Normally, this wouldn't bother me but she got in the habit of not following directions.
My car could not be fixed and I ended up selling it. My representative had told me previously that, in order to keep my driver's license in this state, I would have to keep my insurance current or my license would be suspended. Having never been through this before, I believed her when I shouldn't. When I turned in my tag to the DMV, the clerk told me I only needed to have insurance when my tag was issued because it appeared I was driving without insurance, illegally.
I called to cancel my insurance and asked to speak to my representative. Again, she was not available so I spoke to another representative. Every other insurance company I've used has tried to work with you to see if there is anything they can do to get you to stay. The rep, however, did not and was very abrupt. As soon as my policy was cancelled, I emailed corporate and the local office to complain. I am not a demanding person but they did not seem appreciative of my business and treated me like I was a number instead of a valued client. I will NOT be returning to State Farm when I get a new car and I don't recommend their services.
DO NOT GET A QUOTE FROM A SF AGENT!! After being with progressive for 4 years, and recently getting married, we wanted a joint policy that would save us some $. At the time my hubs was with State Farm, his agent ** told him to call her for a joint quote. So I did, and spoke to a ** (who was very pleasant to deal with) she quoted me approx. 198.00 p/month for both of us including renter's insc and rental reimb. (which progressive didn't give me at the time of a claim, so I was upset and looking to find someone cheaper... oops).
So of course I told ** to sign us up. Called progressive and cancelled. ** called and said all was done, she faxed the temp cards etc... all was good. Till she went over the breakdown with me over the phone and the total monthly payment was going to be 216.00!!!! Floored I asked what she was talking about... she confirmed it was the monthly payment. I said no ** you told me 198.00 (ish) a month, well yes but then you have to add the renter's insc and taxes!
I was absolutely steaming mad that I just left my insc. of 4 years for this MIS QUOTE! I told her, those items should have been included in any quote they give a customer... NOT AFTER the paperwork is all done. Well I left it, 2 weeks later we get a bill for 238.73!!! WOW. Now my husband says that HE is pissed (which is rare) to call ** and talk to her b/c she was the one he deals with etc. When I called she answered explained he wanted me to talk to her about the situation, which I went through with her. Towards the end she cut me off saying... ** was certified and able to handle any matter that we need dealt with so I will transfer you... REALLY!
You are the manager of your branch and you won't deal with your own customer? SO I spoke to heather, she said she would call underwriting and get back to me. When she did she said, they messed up and would fix bill and re send it... so you will pay 276.00 for the first bill!!!!!! What! Again she says 276. Two hundred and seventy six dollars I said? "yes, that's just for the 1st bill though". ** how the hell did we get to 276 when you quoted me 198.00 then it jumped to 216.00 now this? "Because we fixed the bill and it came to 276 for the 1st bill and the 216 for the rest".
Mind you all ** is on the phone also when this convo is going on. I said your not making any sense, ** perks up and says OK lets explain this again because I don't think you are grasping it. And we just told this to your husband as well and he isn't getting it either. I could have reached through the phone at this point!! When she got off the high horse ** clearly stated that the 1st bill was 200 DOLLARS and 76 CENTS!!! 76 CENTS... not TWO HUNDRED AND SEVENTY SIX, like ** was saying.
When I hung up I called hubs, and before saying anything he told me about the same experience I had, that he was talked to like an idiot because he questioned the 276 figure. Right there I called progressive got a quote and it ended up being AND STAYING 50 dollars cheaper... I should have never left!! They might have screwed up a rental for me, but I have NEVER been spoken to like this from them.
NORFOLK, NEBRASKA -- A little over a year ago on Dec, 24 2007. I was involved in an accident in a car dealers car lot. I had just gotten done with some last minute Christmas shopping, and when I left the store I decided to drive through the car dealers lot to see if there was anything of interest. I pulled down one lane of vehicles, and stopped, I looked at the price tag on one particular vehicle, than decided to back up, and leave the lot in the direction I came in. I looked in both side mirrors, and my rear-view mirror, and started backing up slowly.
Then all of a sudden I felt like I was running over something. I looked in all my mirrors again, and turned around to look behind me, but did not see anything. I than decided to get out of my pickup to see what was wrong, and to my amazement there was a small vehicle crashed in to the side of my pickup right behind the cab. I got out to see if he was OK, and to ask him what the heck happened, and he said he was making a u-turn in the lot, and he said he saw me, and was waiting for me to stop. We called the police, and they investigated it.
They said on the report that the other vehicle drove in to me, and it was reported to state farm in that manner, and when they interviewed me I told them the same thing, an I expected that it would probably be at least a 50-50 deal on the damages, as it was not on a public roadway, and it should have been a no fault accident. But instead they said it was my fault because I was backing up. I argued with them, that the damage was not to the rear of my vehicle, but to the side, and it was so obvious that he drove in to me, and probably was not paying any attention. They would not reason with me at all.
I have been a loyal customer for over 25 years, have my home mortgage through them plus other policies. I think that the other driver just had liability on his vehicle so they made it my fault so he would not get stuck with all of the cost to repair his vehicle, we both had State Farm Insurance, the other driver was a young driver, and probably was a higher risk, and good ole me, had never had any major claims so why not lay it all on me.
So it cost me 500.00 Deductible to get my pickup fixed, and the other driver did not have to pay a dime I threatened to sue over the deal, and the adjuster said, well do what you have to do, but the courts would not favor me because I was backing up. I was just totally frustrated over the whole deal, and just let it go, but every time I think about it or discuss it, it just reminds me again that there is no such thing as customer loyalty any more, and you have to look out for your self or you are going to get the short end of the stick.
GARLAND, TEXAS -- My wife was involved with a wreck a few months ago and has run out of energy to fight anymore, but I haven't. My wife was backed into while she was in a parking lot and the people involved have been spinning lies ever since. Unfortunately my wife got pretty much zero info about the other party which has given them an opportunity to lie their rear ends off. The person driving the Hummer was not the owner but because my wife did not get the driver's license of the person at the scene they have magically reassigned who was driving. The owner now says that my wife rear ended her.
My wife returned to the accident site shortly after the accident and talked with the manager of the restaurant who saw the whole thing. In fact he said the girl that hit my wife had just quit her job with his restaurant and stormed out backing into my wife. My wife provided his information. We received mail a couple of weeks later that indicated that the other girl was not at fault. We inquired and found out that the witness was not even contacted. He was called at the restaurant and a friend of the girl who backed into my wife intercepted the call and informed the investigator that the manager hadn't seen anything but that she had and it was all my wife's fault.
We contacted our agent who has apparently been sitting on his hands the whole time and he said he'd look into it. Both my wife and the other party are both covered by State Farm. He got back to us and said the investigator was rude to him and ended up hanging up on him. Now this is a fellow employee with State Farm that he called and she hung up on him. My wife called her and my wife was told the case was closed. My wife appealed to the woman that her witness hadn't even been contacted and the representative replied that the case was closed.
My wife replied that she was going to file a complaint and the representative told her in an impolite way to do whatever she felt she had to. We managed to get the case reopened and all sides provided taped statements including the restaurant manager but the investigator still found for the other party, saying that she discovered the manager was a personal friend of my wife and his testimony was apparently not seen as valid.
The assertion that they are personal friends is completely false, my wife only met the man after the accident when she went looking for witnesses but apparently the girl who ran into my wife still has friends at the restaurant who are lying for her. We were told by the investigator that she was told (apparently by these lying twenty something year olds) that the manager was her personal friend.
The investigator is at least incompetent if not worse. How do we go about getting justice, particularly how can we make a complaint against this agent/investigator that has been repeatedly been given the facts but refuses to correctly dispense justice? We live in Texas, the Dallas area.