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Anything to not pay a claim . . .
Posted by JISCal2 on 07/06/2012
I understand that things like this happen, but this is about credibility and people knowing that they should be doing the right thing.

About a month ago while out during my lunch break my car was 'dinged' by a car that parked next to mine. The ding was so big that while walking past the rear of my car to get to the drivers side I could see the damage. I was of course surprised and I looked at the parked car next to mine and there was a significant amount of the paint from my car (a huge chip of it) along with another minor amount of the paint on his door. The driver of the other car did not leave a note so of course I took pictures and contacted my insurance.

State Farm was able to track down the owner/driver of the vehicle using the plate information that was provided in the photos. Fortunately for me (or so I thought) was that he has State Farm as well. He denies being at the place of business where the damage was done. That lie didn't pay off as I have pictures of the damage as well as pictures of his license place and the insurance company would have had no way to contact him otherwise.

Second, he was a no show to the appointment that he set up with State Farm to have his vehicle inspected. Gee, maybe enough time to have his door buffed out and my paint removed from his door?

Long story short, they sided with someone who definitely lacked credibility and denied the claim stating that there were no witnesses. They also denied making a claim on my comprehensive insurance (to waive the deductible) because they said the damage was done by another car door, just not his car door. How convenient!

To a certain extent I understand their point. If there were no pictures, if the other gentleman had been more credible by not lying about being at the scene and had he shown up for his inspection I would be able to see how State Farm came to this decision. To me, State Farm was fighting to avoid paying out and I am the casualty in their decision.

My State Farm agent did his best to have this decision reversed, to no avail. Unfortunately he lost a customer with more than one policy because his parent company wouldn't pay an $800 claim.
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Posted by Anonymous on 2012-07-06:
Wow that that stinks John. I have heard a lot of good things about state farm but looks like they dropped the ball here. (VH)
Posted by trmn8r on 2012-07-06:
I love State Farm and have never had an issue with having work done and paid for at a shop of my choice. I can see why you aren't happy here.

I don't see that they took "sides" so much as they didn't agree you had proper proof. If the police had been called and a report made, that very well have made a difference.
Posted by JISCal2 on 2012-07-06:
Thanks, Wally. I think they dropped the ball too.

trm, I see your point. Felt kinda silly to call them out and waste resources for something like this when they could be doing other more important things. Hindsight is 20/20. Next time I will.
Posted by Anonymous on 2012-07-06:
Think the only appropriate time to call the police is if it happens on the road or the driver bails.
Posted by madconsumer on 2012-07-06:
what would be evidence to prove it was the other vehicle, would be to have a picture of the other vehicle and yours, and the business in the same frame. that would be hard to dispute.
Posted by DebtorBasher on 2012-07-07:
Sorry about your car. I have had State Farm for my car and renters insurance...my Parents also always had State Farm and we never had any issues with them at all....but then again (knock on wood) we never had to make a claim and that may be the reason. Oh, yeah my Mom did make ONE renter's insurance claim for some some collectables that were damaged by water in the basement. She just took pictures and some proof of their current value and she collected on it.
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Non Renewal for a 15 years customer
Posted by Venkatatata on 08/19/2010
PARSIPPANY, NEW JERSEY -- I have been a customer of State farm Insurance in New Jersey for about 15 years. Along with Auto Insurance, I also have the Home owners insurance with State Farm. I chose State farm a while back because of their proximity in Parsippany and cheaper rates among other companies. All seems to go well till I submitted a claim few weeks back. I had rear ended another car. There was minor damage to my car and other car.

This is the second claim I know of for the past 15 years as State farm customer. State farm claim agents on the phone tried to prevent me from filig the claim, repeatedly indicating deductibles etc., Most disappointing of all, in a week my Agent calls me to inform me in advance that Statefarm will not renew my Auto Insurance citing all the tickets I had for the past 5 years and that the "trend" of my Auto claims is alarming to them. This is by far most ridiculous reason considering, there are 2 claims in past 15 years. This is horrible way to treat a customer and branding someone as Insurance fraud.

If Medical Insurance company withdraws insurance because of increasing health claims based on age and all Insurance carriers selectively profiles their customer to unilaterally decide not to renew their long standing customers, what is the purpose of buying Insurance? To send a fixed sum into a black hole every month to support their huge offices and beaurocracy?

It is important for everyone to realize the dark side and the real business model behind State farm insurance. While I can easily find another insurance carrier, I will make it a point to educate all customers on State farm Insurance's wrong practices. I am also considering legal action around lack of Business ethic and accountability for their own line of Business.

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Posted by Anonymous on 2010-08-19:
You said that also will not renew your claim because of traffic tickets. How many do you have? the difference between auto insurance and health insurance, is you have no control over your health. You do, however have control over how you drive.
Posted by CaptainSpaulding on 2010-08-19:
You admitted that you have been in two at fault accidents and have received numerous traffic tickets over the past 5 years.

That, coupled with the fact that you live in New Jersey (a state which forces insurance companies to insure high-risk drivers), is the reason why you are being dropped by State Farm.

State Farm is an insurance company, and they are in business to make a profit. They don't give a crap about loyalty... if they determine that you are a risk, they will drop you like a hot potato!

Sorry to say this, but you would not have this problem if you were a better driver.
Posted by Anonymous on 2010-08-19:
I'm not surprised they dropped you either, you are what is considered high risk with all those tickets and two at fault accidents.

Posted by Ytropious on 2010-08-19:
If you have a lot of tickets then they have every right to drop you. Accidents and claims aren't the only thing your insurance company cares about. If you have tickets for speeding that just plain looks unsafe to them, and an accident can't be far away.
Posted by skelly39 on 2010-08-19:
I agree with the others-your tickets are what got you dropped. You can contact the NJ Department of Insurance and file a complaint, but I'm guessing you will be told that they were well within their rights to drop you based on the substantial change in risk.
Posted by Anonymous on 2010-08-19:
Like a bad neighbor State Farm doesn't care.

Screw them. There are more fish in the pond. Good luck.
Posted by CaptainSpaulding on 2010-08-20:
Stew: You are absolutely right about State Farm. They don't care. Unfortunately, neither does any other insurance company.
Posted by tnchuck100 on 2010-08-20:
35 years ago my father-in-law was canceled by State Farm. No tickets. No accidents. No claims. For 25 years. Reason for cancellation: No accidents in 25 years. Statistically due to have an accident. Now considered a high risk.

Now the side effect. You apply to your next insurance company and one of the questions asked is 'Have you ever had insurance canceled?' Now they consider you a high risk. Screwed no matter what.
Posted by Anonymous on 2010-08-20:
"Reason for cancellation: No accidents in 25 years. Statistically due to have an accident"

Chuck that is bizarre and mathematically incorrect. The fact one hasn't had an accident in 25 years doesn't increase the probability one will have an accident in the near future and in fact it's just the opposite. Unless something else had changed one who hasn't had an accident in 25 years is very unlikely to have an accident in the next six months or a year.

It's akin to the old math teaser if you flipped a coin heads ten times in a row then what are the odds the 11th flip will be heads? The answer is of course 1 out of 2 because the coin doesn't have memory of the previous 10 flips.

I have to wonder what kind of actuaries worked for State Farm 35 years ago. LOL, well hopefully they've smartened up since then.
Posted by tnchuck100 on 2010-08-20:
Stew, it didn't make sense at the time either. But that was the reason they gave nonetheless.
Posted by CaptainSpaulding on 2010-08-20:
Stew is right, tnchuck100. If your father-in-law hasn't had an accident in 25 years, the statistical probability is that he will continue to be accident free in the future. How old is your father in law? If he is considered "elderly", and therefore considered to be at a greater risk for getting in an accident, then that might be the reason he was dropped by State Farm.
Posted by tnchuck100 on 2010-08-20:
This occurred back in the 70's. He died in 1991, in his 60's.
Posted by venkatatata on 2010-08-20:
I am glad lot of Insurance agents are on line and see these messages. I agree Statefarm is in the buisness for profit. But what is their business if they are not able to insure ?

Collect monthly payments and keep counting? Shame on you
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Posted by Sucker37912 on 01/02/2010
I insured a house, 4 cars, a truck, and 3 motorcycles with State Farm over a 20 year period. My biggest claim was $157 for a slight fender bender when my new truck slid on ice and went into a ditch. The big accident came on November 1, 1991, when an illegal Arab with no insurance, driving a 1975 Caprice ran a red light at 40 mph and T-boned my car in the driver's side. My car was totaled and I incurred permanent neck and back injuries. State Farm refused to pay and when I sued them, their attorney I paid for, lied and the Arab committed perjury and got off Scott-free. He wasn't injured, nor was hit tank! With over $30,000 in medical bills that State Farm didn't pay, I had to file Chapter 7 bankruptcy, thus ruining my excellent credit record, and my excellent driving record. State Farm dug up information from my past to try to embarrasss me and none of it was relevant to the accident. Eighteen years later, I am still suffering from severe back and neck pain, and sciatica down my left leg. I now have degenerative discs and osteoarthritis in my whole spine, and was supposed to have had my neck fused in 2001. I am going to have to have back surgery eventually to relieve the pressure on the sciatic nerve, and probably have my whole back fused in a cage, or live in a wheelchair. I have already shrunk 2 to 3 inches in height. Thanks State Farm for NOT being a good neighbor as you claim to be! In 2007, State Farm had a $37 billion SURPLUS from screwing people out of their benefits!
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Posted by Anonymous on 2010-01-02:
How does filing bankruptcy ruin your excellent driving record?
Posted by DebtorBasher on 2010-01-02:
What was the reason State Farm denied your claim? You kind of forgotten to mention that and it is pretty important to know when you're posting a complaint.

Another question is...do you feel this would have been less of an issue if the person who hit you was not Arab? You seem to mention that quite a few times, yet still no mention why the insurance claim was denied.

I have had State Farm for years, and I recommend it to everyone. Never a problem with them, and I get the refund back for any towing within four days of me mailing the copy of the tow bill to them.

I am sorry about the suffering you've had from it...but more information would be helpful if you're trying to warn others against them.
Posted by DebtorBasher on 2010-01-02:
The bankruptcy should be off your credit record 12 years ago,(May vary in different States) since this happened 19 years ago. What Insurance company are you using at this time?
Posted by PepperElf on 2010-01-02:
"dug up information from my past to try to embarrasss me"

what information was that?

is bankruptcy on a 12 year timer?
i thought it was a permanent mark
Posted by DebtorBasher on 2010-01-02:
Pepper...here in Ohio, it only shows on a credit report for 7 years. At least that was my understanding, I'll have to double check to make sure.
Posted by DebtorBasher on 2010-01-02:
I checked it out...for Ohio:
A Chapter 7 bankrutpcy may display on your credit for 10 years from the date of filing. Chapter 13 may stay for 10 yeas also, but it is customary for those to be removed after 7 years.
Posted by PepperElf on 2010-01-02:
So, the OP's bankruptcy most likely happened within a year of the November 1991 accident.
So it's been 18 years since the accident, and most likely over 10 years since the bankruptcy.

Yet it's still affecting his insurance.... if I'm reading his complaint properly?
Posted by Anonymous on 2010-01-02:
It is 7 years Pepper.

OP, what were you insured for? Your policy is what matters here. YOU should have sued the Arab. Since he had no insurance, and apparently your policy did not protect you against an uninsured party, then you would have had to take him to court.

Posted by DebtorBasher on 2010-01-02:
That's what I'm wondering Lady...the reason they denied the claim.
Posted by Hugh_Jorgen on 2010-01-02:
For what it's worth, for 2007 State Farm reported profits of $5.46B, not $37B. There seems to be a lot missing here. The attorney lied, and "the Arab" committed perjury?

Posted by DebtorBasher on 2010-01-02:
The "ILLEGAL" Arab, Hugh...Not sure what makes him Illegal, cause he didn't have insurance? Here illegally? What? Inquiring minds want to know...also, HOW did the poster know he's 'Illegal"?
Posted by PepperElf on 2010-01-02:
could be both. illegal immigrant perhaps

however, regardless of his citizenship status, if he's driving without insurance that IS illegal.

I know in NY state, for example, if you own a car and the insurance runs out on it, your license will be revoked. Then, since your license will be invalid, you're not allowed to drive or own a car.

So the cab driver without insurance? Pretty sure that's very illegal.
Posted by Hugh_Jorgen on 2010-01-02:
Wait a second Pepper - where did the cab driver come from? I'm getting confused......
Posted by PepperElf on 2010-01-02:
no idea, HJ.

The OP said "illegal Arab"

we were just wondering if he meant the driver's citizenship status in that or not.

Either way, "illegal" will apply to his driver status since the Arabic man had no insurance.
Posted by Hugh_Jorgen on 2010-01-02:
That makes sense - I couldn't figure out how the taxi cab got involved!
Posted by DebtorBasher on 2010-01-02:
Come on Hugh...try to keep up! LOL!
Posted by Anonymous on 2010-01-02:
Actually, some states only make it illegal to not have insurance if you are in an accident. Any other time it isn't. Which is kinda dumb.
Posted by PepperElf on 2010-01-02:
you know, maybe more states should make it illegal.

i mean even the best drivers get in accidents... because the other drivers on the road are sometimes idiots.

and in my opinion the people who think they're the best drivers out there are usually NOT as good as they think they are.
Posted by twixypeps on 2010-01-21:
State Farm is the only company that makes those service calls. You receive at least two letters in the mail before they cancel you. that is law. Sounds like you need to be more organized with your bills. And try to find the owner of the cow, he is responsible!
Posted by twixypeps on 2010-01-22:
haha, totally commented on the wrong one...my bad!! This claim is tricky because it was in 1991...that was too long ago and insurance has changed so much. Mainly because of accidents like this. You should have had uninsured motorist protection, but you choose the "cap" on when State Farm stops paying. If the Arab was at fault, then you could have been able to sue him. Being as he doesn't have insurance, I am sure he doesn't have money. So once your coverage runs out with State Farm, unfortunetly your health insurance is your only other option.
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State farm takes your money but doesn't pay
Posted by Sluzhe on 12/26/2006
If you use State Farm Insurance run, don't walk, to another company fast! They take your money but give you every hassle in the book when it comes to paying. They won't follow up on collision claims when you have your car repaired under collision insurance. They say they will go after other driver and get your deductible back, but they do nothing but send you a letter about 6 months later saying "sorry we aren't going to pursue this any more". If you get hit by an uninsured/underinsured driver, forget state farm giving you anything. A scratch and they will total your car then offer you less than 10% of its actual worth. They low ball all costs on claims. Get your roof torn up in a hail storm, State Farm will declare there is no damage and you will have to fight them for months to get your roof repaired. Then they will swear that any price is too high. On liability they will hang you out to dry. I was with them 20+ years and should have quit them 15 years before, I kept thinking that it was just a one time thing, that they would be better next time. Don't fool yourself, they have been sued by more Attorney Generals in more states than I can count. They have very deceptive practices and continue to have them. If you idea of a good neighbor is someone who will harass you, make noise all night, destroy your property and steal from you, then state farm is a good neighbor.
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Posted by Anonymous on 2006-12-26:
I have Farmers and they pay on time and have been very reasonable.
Posted by Outsider on 2006-12-26:
I have State Farm, have had State Farm for 25 years, and have NEVER had a problem. In fact, my agent takes the time to make sure I know exactly what my rights are in every situation. My agent makes sure I get every discount available to me and all my claims are done to my satisfaction. My agent also has taken care of a problem I had with Prudential insurance, made sure my claim was taken care of correctly.
Posted by groveman55 on 2006-12-27:
I have been insured by State Farm for 40 years and NEVER had any problem with them about anything.
Posted by tnchuck100 on 2006-12-27:
My father-in-law had auto insurance with State Farm for 20 years. Never had a claim. They canceled his insurance. Reason: "You have never had an accident. Statistics tell us you will probably have an accident in the near future." His agent said there was nothing he could do. It was the company policy.
Posted by Sparticus on 2006-12-27:
Tnchuck - Are you serious? That is the most ridiculous thing I have ever heard. Borderline unlawful!
Posted by Anonymous on 2006-12-27:
Sparticus; this is common practice it is also done by employers when they can get away with it.
"It is only the dead who have seen the end of war” -- Plato
Posted by ducati900ss on 2007-04-11:
I was hit by a State Farm Driver cutting across a parking lot. No police report because it was private property. I had picutres showing the cars which showed I was just pulling out of my spot when the raisin heads ran into me. State Farm said we where both at fault so we both had to pay our deductable and we both had a claim placed against our policy. Huh? Screw us out of what ever they can. I tried to fight it but State Farm is also good at stringing you along. You wait for phone calls and never get to any one who can make a desision. They are pros at taking your money. Remember they screw people every day and you might only call them once in a lifetime so they are much better at it.
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20 Years of Perfect Payments, Then One Missed = You're Out
Posted by Viurre on 03/08/2011
PENNSYLVANIA -- I had been with State Farm for over 20 years, and never missed a payment. Last fall I had an accident, and got another used car (they did pay the amount for the totaled vehicle) and they told me to pay half the insurance bill at the time, they needed to recalculate the rest of the bill, which they would send me later. I paid the half, and waited for the 2nd half, which I never got. I waited past 30 days before calling to ask why I hadn't received any more bills, and they said they sent it, and because I didn't pay it, my insurance was cancelled, and I could not remedy this with them by paying what I owed, no... I had to hold insurance with another company for a year before they would let me back with them.

I had never had a missed payment before. Now that I am with someone else, I don't know if I want to get back with them... what kind of customer loyalty is that?
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Posted by Anonymous on 2011-03-08:
This lies with the agent.
Some agents will and can push it through and some are jerks at State Farm.
My previous agent was such a _______ that I fired her and aquirred a new agent.
Posted by unhappy999 on 2011-03-08:
I know someone who missed a payment with another company. Their insurance was canceled. They said the only way they would take them back was with a new policy which of course, was more money. They found a better deal with a new insurance company. So they can and will cancel you because of a missed payment.
Posted by DunkinEmployee16 on 2011-05-12:
State Farm is a pile of crap, they have horrible policies and are over-priced.
Posted by Anonymous on 2011-05-12:
I think the geico is the best.
Posted by ok4now on 2011-05-13:
Ashley: Have you ever filed a claim with Geico? You're in for a rude awakening. Good luck.
Posted by Informed on 2013-06-26:
Money constitutes a contract. Period. No money, no insurance. To the poster that stated this lies with the agent, you're absolutely wrong. Agents cannot make customers pay their bills. Agents don't send the bills, the company does. Agents don't pay your bills for you.
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Accidents between family members are not covered by State Farm
Posted by Tishomingo on 12/02/2010
I have been a State Farm customer since 1969 and have never been at fault for an accident. Recently, I backed into my daughter's auto while she and her family were visiting. State Farm does not cover accidents involving family members, so my daughter's insurance company had to cover the damage to her auto.

No one I have talked to is aware of this strange omission by State Farm.

Be aware that you may not be fully covered by your Friendly Neighbor.
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Posted by tnchuck100 on 2010-12-02:
I thought I was pretty savvy on the ways insurance companies find to weasel out of paying claims. This is a new one I had never considered or heard of before.

This is ridiculous, to say the least. I am not real sure but it MAY be illegal. They may be just brushing off hoping you will accept this as fact and just go away.

Read your policy. Is this exception actually spelled out?
Posted by werelucky on 2010-12-02:
If you daughter was covered by a different insurance company then it's up to the insurance companies to sort it out. I'm sure he carrier will get their money back from State Farm. No matter who hit her she would of had to go through her own carrier. Being a family member had nothing to do with it.
Posted by Anonymous on 2010-12-02:
It's a good idea to review your current policy from time to time. Call and ask questions if needed like the company policy on occasional and additional drivers, visiting guest and family members etc. Ask about Available coverage limits and latest offerings to make sure your getting their best rate plan and all available discounts for the coverage you need. They can also help you make sure all drivers are properly covered.
An ounce of prevention is worth a pound of cure.

Posted by trmn8r on 2010-12-02:
This sounds really odd. If it is their policy, it may be an attempt to prevent fraud.

Is their any chance this isn't considered collision, if her car was not being operated? It clearly is collision from your perspective - you ran into her car. {scratches head}

How did they find out it is your daughter's car?
Posted by ticia232 on 2010-12-02:
OP, where do you live? Did they go stupid "no fault" for accidents?
"No fault" means that each party submits a claim to their insurance for their car and then the insurance agencies determine who was at fault and which one has to pay the other back (since they paid the bill already.)

Why they didn't just tell you this, I do not know.
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A Really Bad Neighbor
Posted by Oldviejo on 06/02/2009
TEMPE, ARIZONA -- The following is a letter I wrote to State Farm:

June 2, 2009

Amy Phillips
State Farm Mutual Automobile Insurance Company

Dear Amy Phillips:

If you have not already been notified, we have decided to obtain insurance from another carrier. This includes our Auto policies, and our Home Owners policy. This decision was based on several factors. First, we were surprised how soon your company sent out a Cancellation Notice, only after 2 months, for which You seemed to indicate that we had not disclosed an incident that occurred last year to our daughters car, like road hazard doesn’t ever happen to anyone? Not to mention the fact, that this was disclosed to our agent here in Albuquerque, before I bought off on your policy, which by the way, we were only getting coverage for ourselves, and not our daughter, since she and her husband now have their own policy. Also, both of our credit has been immaculate for over 35 years, as well as our 35+ years of driving records. So my conclusion is your company does not deserve good drivers. I hope that you continue to drop the good drivers, like us, so that all you are left with are those other kind of drivers that you so much deserve, and will help businesses like yours, on their way out of business. The other factors for our decision was that since I did not hear any other status from our State Farm Agents here from the Tim Gallegos office here in Albuquerque since 2 weeks ago as to whether we were going to be covered or not, we assumed we had NO coverage as of your of cancellation notice for May 27th, which by the way, was right in the middle of our vacation, and only allowed us less than 1 week to find another insurance carrier. Thanks ….that made us feel ever better during our vacation, as we were trekking around the country, not knowing if we had coverage or not. The only good thing is that it didn’t take us long to figure out how STATE FARM really is to their customers. Also, just to let you know, I will be posting a copy of this letter on the internet, to let everyone know what a “really good neighbor” STATE FARM is. State Farm should drop its “like a good neighbor” slogan, as if this is the way “good neighbors” really are then I will have no part of your kind of friendship or any part of your business.

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Posted by BobJohn on 2009-06-04:
I'm confused. Was your daughter on YOUR policy? Was she driving YOUR car? If she had her own policy and was driving her own car I can't see how SF can cancel your policy.
Posted by oldviejo on 2009-06-04:
At that time the road hazard incident occurred to my daughters car, our daugther was listed on our policy when we were with another insurance carrier.
Posted by IknowAlittleAboutThis on 2009-07-03:
All you had to do was provide the company with her address, current insurance company and her policy number. problem solved. Most agents get the same letter that you get sent to them but they get it at the same time you do. If you were on vacation, how do you know that they didn't try to contact you? Did you contact your agent to try to work it out? Certain information muct be disclosed and since you didn't disclose the incident (no matter what the situation is now) you did leave out the information.
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Terrible Experience with State Farm Auto Insurance
Posted by Tphamnd02 on 04/16/2009
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.
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Posted by Soaring Consumer on 2009-04-16:
Unfortunately, you may have to sue the at-fault driver to get full recovery.
Posted by twixypeps on 2010-02-22:
what people need to realize is you need to be cooperative in order to get anywhere in life! if i had someone who complained as much as you i would try very quickly to get off the phone and completely forget maybe some advice i could give you! You are complaining about 3 things that you should not be complaining about. #1 your agent telling you to go to a preferred shop. Yes it is your choice, but it takes longer to NOT go to a preferred shop, he was just helping you. #2 you want all new parts. why? if your car is a year old, all your parts are a year old. if you want new parts, pay the difference. #3 your complaining you have to pay State Farm. instead of listening to an insurance agent (who does insurance everyday) you listen to an autobody company that tells you to file a claim with State Farm. Your contract with State Farm has a deductible. you chose that and chose to file the claim with state farm. they will go after the company that hit you and get your deductible back and mail you the check, so you can stop complaining about that too.
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State Farm Wanna Be #1 By Not Paying Any Claims
Posted by Joe72 on 07/01/2008
HAMMOND, LOUISIANA -- State Farm Insurance - Not Paying ClaimsI got an auto accident on Friday morning, April 27, 2007 at Hammond, Louisiana. At the intersection, I moved forward after I got a green light. The other truck (Ford F 150, 2006) crossed my car and made damage at the front of my car (Ford Escort 1999). Although I did not get any serious injury, my lip was swollen and I got a pain on my neck in the next day. The police came and investigated the incident. According to the police report, I am on the right way and the police blamed the other driver. I called the other driver insurance company (State Farm) to cover my losses. They asked me if I got any medical treatments. I did not claim any medical treatment, so it becomes a small amount of money. However, State Farm rejected my claim.

In their opinion, my case is weak. They said that the police report is not enough to prove that I was on the right way. Certainly they just want to escape from any liabilities. When I said that I will continue this case to the court, they replied that to go ahead if I can get any attorney for this small case. Without a medical claim, they thought that this was just a small case, and many attorneys were reluctant to accept a small case like this. Luckily, after getting in touch with several attorneys, I found an attorney who is willing to support me.

It is about the truth, justice and my right. I will fight and fight for my right!

To State Farm, if you think that you can be rich by rejecting any claims, I will prove that you are totally wrong!
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Posted by Hugh_Jorgen on 2008-07-02:
Turn this over to your insurance company and let them fight this for you. This is what you have been paying premiums for. They can get your car fixed and then they can go after the other insurance company to recover their damages.
Posted by Anonymous on 2008-07-02:
Hugh is right. Be aware, too, that when you are on the phone to an insurance company, they ARE recording your call. They put it under the guise of "customer service training." My lawyer told me this when the same thing happened to me. I made one call to Allstate because they didn't want to fix my seven month old leased car after their client T-boned me, and after that, I told my agent to handle it. They did, to the tune of only allowing new parts to be placed on the car to fix it. And, I got money for missed work. I didn't ask for anything, but my agent, State Farm, got it for me.
Posted by jenjenn on 2008-07-02:
I'm glad you weren't hurt! Hope it works out for you.
Posted by 2manyvwoapeeons on 2008-08-12:
I went through a similar situation. I even reported suspected fraud on the part of the repair shop and I was completely ignored. The insurance industry profits from our accidents. Therefore, I have to wonder how many accidents are real "accidents".
Posted by rosebud64 on 2008-08-20:
I agree with the fist two comments. Go ahead and get your car fixed using your insurance, you will have to pay your deductible, but you'll get it back when they get State Farm to pay. After all your insurance company will want there money back to. I did this with my company State Farm. None of them like to pay, and the trouble you have can vary from each individual agent.
Posted by oleblaster on 2008-11-24:
Being forced to pay auto insurance and not being able to drive your car if you don't have it (and maybe you can't afford it) is Socialism and Communism and does not belong in America. This force just started in the 1990s - up until then America was acting like America and not being forced to pay auto insurance. I haven't had a car accident in more than 15 years and I am now with Mercury Insurance and they just went up on my premium instead of going down for a good driving record - they are liars and thieves plus the police force is backing them up because of that deal that Mercury gave the Police force 1 billion dollars in funds (which they should not have been allowed to) and now Police offers are eargerly carrying out scams and favors for the Auto Insurance company - this is illegal. The force law to pay auto insurance was done only to make them rich. We need to get rid of that law because everything was working fine in this country without it (what helped passed that law is many immigrants were causing accidents and not paying for them)
Posted by Anonymous on 2008-11-24:
Oleblaster, this post is extremely old. BTW I believe in some (if not all states) you do not have to have insurance if you set up a bond with the department of motor vehicles with a minimum dollar amount set by the state. I do not think it is unreasonable to insist that a driver have liability auto insurance or a bond to draw off of if they are in an accident. Why should I suffer if some schmuck hits me and cannot compenstate me for my losses because they are uninsured or have no bond?
Posted by jktshff1 on 2008-11-24:
1st, I know this is an old post, but this last poster's response was so lame that I had to respond.
What is wrong with making the people responsible for the accident paying for their actions?
Posted by Anonymous on 2008-11-24:
Exactly Jkt!! He's pissed off about a policy increase. Oleblaster, it doesnt matter that you havent had an accident for 15 years. Accidents are just that, because you never know when / if they will happen. What if you were hit by a car and the drive had no insurance to pay for your auto repairs? You would be singing a different tune.
Posted by Just_balance on 2009-01-29:
after 2 years of this accident, my attorney against State Farm attorney, plus dispositions. State Farm is starting to admit that they need to pay me for the damage!!
However, they offered me very low amount, not even enough to cover the damage of my car. I continue my case till I get JUSTICE!!!!
Posted by IknowAlittleAboutThis on 2009-04-03:
I don't know what you are after. Liability is for permenant damages. Your car is not permenant as it can be repaired. Did you file a claim with your company? What are they doing for you? You should have been taken care of by your comapny but I didn't hear anything about them fighting for you. They should have done all this and then subrogated through state farm.
Posted by comrade on 2009-08-11:
Recently my hubby got in an accident just like yours but he didn't get a police report. We are sueing State Farm and the other driver who crossed in front on my hubby.
Posted by comrade on 2009-08-11:
Recently my hubby got in an accident identical to your accident but he didn't get a police report. State Farm changed their mind and decided not to pay when we told them the car was totalled. Their excuse for not paying is you don't have a police report and no witnesses. However, we decided to sue State Farm and the other driver who crossed in front of the car my hubby was driving. To help our case we got an online response from a website that stated the other driver is at fault. We will use that info and your example in court to prove our case.
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Typical Denial of Claims
Posted by Steve21 on 09/28/2007
GEORGIA -- Recently, I have become involved in a dispute with State Farm over their coverage of an automotive accident. My attorney advised me that this company, on a routine basis, denies claims out-of-hand in order not to have to accept responsibility for the losses incurred by others (their insured.) That is certainly the case here. I am a former State Farm policy holder.

Because they sent me a survey that asked how far I drove to work, to which I responded: 15 miles each way, the next time my policy came up for renewal, the rate had increased over $700 per year. When I questioned the reason, I was told that it was just "policy" for the area that I live in. I just can't imagine why that hadn't occurred before.

Subsequently, I changed auto insurance carriers. My vehicle was involved in an accident and State Farm, as the responsible agent for the insured, is playing their true-to-form card - deny, deny, deny. During their course of denial, I am responsible for the rental car expenses, repair of vehicle and depreciation that will be involved with a new vehicle with less than 11,000 miles.

I am sincerely grateful that I had enough sense to see what was coming with this company. I am also grateful that I did not choose to move all of my other insurance coverages to these "wonderful folks."

I sincerely agree with most of the negative reviews on this site and would hope that all of the positive reviewers, that haven't had a claim, would take a look at their potential loss should they eventually have a claim - especially if they are a multipolicy holder with State Farm.

I would also encourage all of those under the guns of State Farm to report, any and all, discrepancies to the State Attorney General's office in your State. It is one way of insuring that, sometime, in the future you will not have been paying for insurance coverage and find out that you are now taken without regard.
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Posted by GothicSmurf on 2007-09-28:
Insurance Guru to the rescue: Did state farm know that you drove 15 miles to work each way? Did you drop or add vehicles lately? Had you moved recently?

Insurance is rated on a few major things: Age of ALL licensed drivers in house. How far you drive one way to work. Your zip code. Your (and household) driving record. Your insurability (prior insurance). Type of car and type of coverage. If one thing changes, it can really throw off your whole premium.

Too bad all they said to you was, That's policy. Perhaps if they took the time to explain to you why they changed rates, you *might* have stayed.
Posted by jon on 2013-06-25:
that's it they don't explain and they won't cover any damage state farm sucks. I have never seen a insurance company that blames everything on the car.
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