VIRGINIA -- On 9/21/2007 my wife was in an accident in our 2003 Jeep Grand Cherokee. A homeless man had jumped in the street and she swerved to avoid hitting him, resulting in 2 blown out tires, 2 damaged rims, and some body damage. A few days later we were contacted by the dealership doing the repairs, and were told that out tires were on national backorder and could take several weeks to come in. This was on September 25, 2007, and I promptly called the State Farm claims office to advise them of this. A lady named Rose, on team 53, told me that they were already aware of the issue, and not to worry because our rental car was covered until the tires came in.
That was the last we heard on that topic, until the evening of October 15, when the insurance company called to tell us that our rental car limit had been reached, and even though the expected delivery date of our tires wasn't for another few weeks, we had to turn in the rental car on the 15 (this, by the way, was after the rental car company had closed). We took back the rental car the next day, and since then have had to rent another at a personal cost to us.
State Farm now claims that they had advised us that the rental car limit was a max of $900 regardless of the length of time it takes to repair the car. They even had the nerve to tell us that we should have chosen a cheaper rental car and then we would have had it for longer. The rental car that THEY GAVE US was a Jeep Compass for $46/day, that being the closest match to the vehicle that we had.
Another option was never offered, and a rental limit was never discussed, and we were only informed of the limit on the day that the limit was reached. Prior to that, the only statement they had made about it was on September 25, stating that we would have a rental car until our vehicle was fixed.
Now we're left scrambling to find alternative repair options, while paying unexpectedly for a rental car out of our own pocket. They refuse to own up to their mistaken statement, and are "sorry" that now the extra cost is coming out of our pocket, when they could have easily informed us about a limit in time to get a cheaper rental car and look into using a set of tires that weren't on backorder. I have spent hours on the phone with various people who are good at saying "sorry" for the mistake, without actually owning up to the mistake or offering to cover the rental car as they originally promised to do.
Overall, it has been the worst customer service experience I have ever had, and it is disappointing to pay premiums for 10 years only to have a problem like this. Unless they change their stance, I will never do business with State Farm again. Buyers beware.
MINNESOTA -- I was recently involved in a car accident in a parking lot; the lady that hit me was also a State Farm insured. The car accident occurred on the week of Thanksgiving, so it was very busy in the parking lot at the grocery store. I carefully looked to make sure it was all clear, then I began backing out. I backed out slowly as it was so busy, and as I backed I looked right, left, right and there was a lady backing toward me. I stopped, but only had about 4 seconds before she hit me, not enough time to do anything. She was in the lane across from me, but north one stall. I got out of my car and asked her if she saw me, she replied no.
While my agent has been very polite through the whole thing, the State Farm adjuster spoke to me as though I were stupid. I would have thought this was the other ladies rep, since we have the same insurance, perhaps it was! The adjuster actually told me that I should have been able to do more... I should have stopped sooner, she even said that perhaps I should have looked left, right, left instead of right, left, right. All the points that I started backing first, I backed out slowly whereas she backed out more quickly, and I STOPPED, meant nothing. They found both of us 50/50. I can't help but think that things would have turned out differently if we had different insurance companies.
I spoke with a lawyer who said I should not back down as I was only 10-20 percent at fault, and 2 different police officers told me the same thing. Yet State Farm will not back down. A manager called and apologized for the rude adjuster, but his apology meant very little when he went on to say that the average claim is one every 13 years, so my 10-year history with State Farm and not having a single claim means very little. I have 2 auto policies, homeowners, a separate jewelry policy, a retirement account, and was working on adding a life insurance policy when this happened.
At this point I'm so frustrated I'm not sure what to do. I hate State Farm but really like my agent, who did try to help out through this whole ordeal. If they are going to be such jerks over a small claim how are they going to be when I actually have a larger claim?? The adjuster said I probably don't recall all the details as they occurred, and kept saying that regardless I should have done more to prevent the accident. Then when I discovered there was a video of the incident, I'm thinking I'm going to get an apology since the video shows it as I said, but NO!
They just keep telling me I still could have stopped sooner!!! What is the point in having insurance when their main objective is to pay out as little as possible? They're looking at losing a customer over $250?! It's not the money that's making me SO MAD, it's the principal. I am NOT 50 percent at fault and refuse to accept their finding that I am.
NASHVILLE, TENNESSEE -- Had State Farm auto insurance. At the time I went on vacation it was time to renew. My mother sent a check in for me with my info they needed. They cashed it and started to charge my mother recurring payments from her account. I called and had them correct this. Told it was corrected. Then in January my mother's account was overdraw by 358.00 dollars. They charged her account again twice! Every bill that went through got drafted!! She doesn't have State Farm!!!
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 plate 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.
20634 BISCAYNE BLVD -- On Friday, January 14th 2011, I called this State Farm Location for a quote. After speaking to ** (agent), I decided to sign up with her for insurance as she gave me a quote I liked, considering I had a past suspended license and that I am under 25. I gave her my credit card number to finalize the charges and she assured me we are all set. I had cancelled my insurance with the prior company knowing I have a new company. On Monday when I checked my online account and saw no charge was posted, I tried to call them several times - left messages - but no answer - I assumed that due to the Martin Luther king day, they were off and the payment was delaying. I kept calling since - no answer.
Today 01/19/2011 after several messages, I was able to get in touch with another agent ** who was able to transfer me to ** within a few seconds (suddenly she is available on the phone...) - When I told her who I was, she immediately knew who I am. She put me on hold, only to get back to me and tell me State Farm didn't approved me as I had in the past a suspended license.
Why would you let someone cancelled their insurance without having a 100% confirmation he was approved. I am 7 months pregnant driving with no insurance for the past few days - without knowing - Just because ** didn't answer my phone calls. All she needed to do is a courtesy call stating I was not approved or at least answer my calls. I do not recommend this company to no one, if you want to have a reliable company. Thanks god I was able to find a new company which right away insured me, and now I can finally relax.
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 filing the claim, repeatedly indicating deductibles etc., Most disappointing of all, in a week my agent calls me to inform me in advance that State Farm 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 bureaucracy?
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.
BLOOMINGTON, ILLINOIS -- In May, 2007, I was rear-ended by a person insured by Snake Farm. My husband and I have been insured by Snake Farm for 20+ years (home, auto AND earthquake). Although Snake Farm quickly and without complaint paid for the damages to my vehicle as well as all medical bills resulting from the crash (I spent 13 months in agony due to the collision), I was offered a paltry $8000 for pain and suffering.
It became necessary to sue to get an an amount anywhere near appropriate in compensation. So, do you think Snake Farm would come to their senses and offer me a decent amount of money for 13 month of pain & suffering then? NOOOOO!!!!! Much, much better to pay a rude, crude, hateful, @itchy attorney somewhere in the neighborhood of $45,000 plus another $10,000 or so in expenses to fight it in court -- where they will most certainly LOSE since they've already admitted fault by paying my damages and medicals.
We're in the process of changing insurance companies now. I don't know if any of them are any better, but I'll be damned if I'm going to send our insurance premiums to this piece of ** lawyer who is intent on putting me through hell and back just so that she can bill Snake Farm more than most families in this country make in a year.
I'll say it again: Snake Farm will take and take and take your money from now until the end of time, but if you ever need that "good neighbor", you'll find he's fled the country with every penny you've given him -- just like Bernie Madoff. They're thieves, they know it, and since their pockets are deeper than ours (because we were stupid enough to give them so much of our HARD EARNED MONEY), they don't give a damn what they put you through. They'd obviously rather pay a shyster attorney twice what they should be paying you than own up to their responsibilities. They're rip-off artists, and they delight in it.
FAYETTEVILLE, ARKANSAS -- I have been with SF Ins for many years. My monthly premiums were auto drafted from my bank account. Over the past several years there were times they were unable to draft the money due to my payroll checks not being there when they attempted the draft. When this would happen, they called and let me know.
Well, Aug 4, my daughter and I were traveling to see family. There was a black, cow in the middle of my lane and I hit him. My car was totaled. No injuries, thank God. I called SF the following morning to file my claim. Several hours later I received a call from them stating my policy had been cancelled due to non payment. I was in shock! The woman stated they were unable to draft my payment in June and sent me a letter in July stating I had until Aug 1 to pay. I never received this letter. Where was the phone call, like all the ones I had received before? I always took care of it when it happened.
I had a very nice car and would never go without insurance, I also have a 6 year old daughter. I agree it is my responsibility to maintain my insurance. But when you have had a policy for 15 plus years with an agency and something is wrong, you should be able to expect a phone call telling you your policy is going to be cancelled or to confirm receipt of this letter. Mind you, it was one letter!!!
So, now I am stuck eating the total bill for my totaled car... I am so disappointed about this. I trusted these people to take care of my needs like they had for many years. Now, they will not rewrite a policy for me on another vehicle due to the lapse. They said I will have to get coverage through another agency, have good standing with them for at least 6 months, and they will rewrite me then. NO THANKS! I plan to find everyone I can with SF Ins and tell them to change immediately. Especially if it is with Larry Floyd Agency.
The woman who told me she was sorry and they could not do anything about this also stated she was new to that office in June. The woman who always called me no longer worked there. So, she dropped the ball and I get to eat it! State Farm, change your motto!
TEMPE, ARIZONA -- 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.
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 multi-policy 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.