State Farm Insurance Auto Insurance - Page 2

Star Empty star Empty star Empty star Empty star
1.2 out of 5, based on 12 ratings and
57 reviews & complaints.

Most Popular | Newest | More Options >
More filter options:
Notice of Non Renewal
Posted by on
I switched over to State Farm about two years ago for both auto and homeowners. I switched to Sate Farm primarily because of my confidence in my SF agent and because the rates were better than I had with Farmers.

One year ago, my agent got into a dispute with State Farm over its treatment of customers and quit, becoming an independent agent. I was transferred to a different agent, and then three months later I was transferred to yet another agent. Neither agent has made any personal contact with me.

Yesterday, I got a notice of nonrenewal, citing two wrecks within the past year. Both were parking lot mishaps--one for $1000 and one for $200. Two different vehicles, two different drivers, total of $1200. No tickets. No previous wrecks or tickets on anyone's record. In fact, before these two fender benders, our family had gone 25 years without any wrecks and at least 7 years without any tickets.

When I had my $1000 claim, they raised the rates on all my vehicles substantially.

I was planning to leave State Farm anyway for a variety of reasons, but for them to drop me from their policy is just uncalled for. Seems to me, based on other reviews I have seen, that State Farm loves to have customers as long as they never have a claim of any kind. What a racket!
Read 5 RepliesAdd reply
User Replies:
saj80 on 08/04/2011:
With two accidents, you are going to have a very difficult time finding affordable insurance. It is unfortunate State Farm is dropping you, but you have become a risk to them.
madconsumer on 08/04/2011:
great review.

very helpful!!
clutzycook on 08/05/2011:
Two accidents in one year? If I'm not mistaken, isn't there some statistical evidence that once you get into an accident, your chances of having another one in a short period of time goes up? You've had two. THAT is why they are not renewing you.
Sam Salehi on 02/29/2012:
State Farm Did the same with me, in my opinion state-farm is a good company when it comes to prices if you have zero accidents. I have had State-farm for about 5 years zero accidents. I had one accident last year in June in which someone hit my car and ran, this caused me to lose control of my vehicle and hit another. The Police report said so, but State-farm decided to increase my premium and send me a letter saying that I was at fault for the accident. This did two things it forced me to pay a higher premium and made it hard to find another insurance cheaper because state-farm put on my record an accident which I was at fault.
Like I said state-farm is a good company but once you get in an accident they become not so nice.
Michelle on 05/08/2013:
They are doing the same to me. My "problem" was 2 claims filed closely together on my emergency roadside assist. I locked my keys in my car...twice. Grrrrr. Since those lockouts happened, they have now decided to use 2 traffic violations against my drivers record. One of those is 3 years old and the other is 5 years old. I've been with State Farm for 32 years and have been getting an Accident free discount. My agent is also quite livid with the circumstances. And she should be because she is losing not only my auto business, but also my homeowners and life insurance on my kid. They are NOT the company they once were!
Close commentsAdd reply
20 Years of Perfect Payments, Then One Missed = You're Out
Posted by on
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?
Read 6 RepliesAdd reply
User Replies:
Anonymous on 03/08/2011:
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.
unhappy999 on 03/08/2011:
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.
DunkinEmployee16 on 05/12/2011:
State Farm is a pile of crap, they have horrible policies and are over-priced.
Anonymous on 05/12/2011:
I think the geico is the best.
ok4now on 05/13/2011:
Ashley: Have you ever filed a claim with Geico? You're in for a rude awakening. Good luck.
Informed on 06/26/2013:
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.
Close commentsAdd reply
No one should have loyalty to this company!!!
Posted by on
Considering that I have been a State Farm consumer continuously for 18 years, one would think I would be treated well. NOT AT ALL! The local office is always friendly and as helpful as they can be, but the company is SHADY!!!!!!!!!! They're fine, like any car insurance company, if you don't have any problems. If you do, State Farm will do absolutely anything they can to get out of helping you. Trying to recover from a car accident that was not my fault, was made that much harder by a company that continued to pay lost wages late every single month and make it harder and harder to survive. I have been accident free for a very long time now, and they raised my rates over $150 with absolutely no explanation. I have absolutely no loyalty to them. Saving over $600 a year with another car insurance company and have even BETTER coverage. Never go with State Farm. I don't care how many people use's probably people like me that have been with them for years and don't even think about checking another company's rates. There are a LOT more insurance choices out there than there used to be. Do NOT give State Farm your money. Other companies give discounts for multi-car and including other types of insurance ( i.e. home owner's ) with your policy, too.
Read 1 RepliesAdd reply
User Replies:
trmn8r on 01/18/2011:
This review is from your perspective, and I appreciate that you had a bad experience.

Personally, I have had nothing but a good experience with State Farm - I have been a customer since 1980, and our family many years before that. I have had three claims over the years, that went very smoothly.

I can't imagine paying a lower rate. I get advertisements saying I can lower my rate $500, but I only pay $750 a year for 2 cars and a full-sized truck. My house insurance is 30% lower than Nationwide, where I was insured before I changed to SF.

I'm sorry you had a bad experience, but I'm not sure it means that others will.
Close commentsAdd reply
Non Renewal for a 15 years customer
Posted by on
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 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.

Read 13 RepliesAdd reply
User Replies:
Anonymous on 08/19/2010:
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.
CaptainSpaulding on 08/19/2010:
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.
Anonymous on 08/19/2010:
I'm not surprised they dropped you either, you are what is considered high risk with all those tickets and two at fault accidents.

Ytropious on 08/19/2010:
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.
skelly39 on 08/19/2010:
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.
Anonymous on 08/19/2010:
Like a bad neighbor State Farm doesn't care.

Screw them. There are more fish in the pond. Good luck.
CaptainSpaulding on 08/20/2010:
Stew: You are absolutely right about State Farm. They don't care. Unfortunately, neither does any other insurance company.
tnchuck100 on 08/20/2010:
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.
Anonymous on 08/20/2010:
"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.
tnchuck100 on 08/20/2010:
Stew, it didn't make sense at the time either. But that was the reason they gave nonetheless.
CaptainSpaulding on 08/20/2010:
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.
tnchuck100 on 08/20/2010:
This occurred back in the 70's. He died in 1991, in his 60's.
venkatatata on 08/20/2010:
I am glad lot of Insurance agents are on line and see these messages. I agree Statefarm is in the business for profit. But what is their business if they are not able to insure ?

Collect monthly payments and keep counting? Shame on you
Close commentsAdd reply
Mis-Quotes You To Reel You In!
Posted by on
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 [snip - no names please] told him to call her for a joint quote. So I did, and spoke to a Heather ( 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 heather to sign us up. Called progressive and cancelled. Heather 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 ws going to be 216.00!!!! Floored I asked what she was talking about...she confirmed it was the monthly payment. I said no heather 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 [snip] 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...heather 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 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. Heather 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 Taisha is on the phone also when this convo is going on. I said your not making any sense, Taisha 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 TAISHA clearly stated that the 1st bill was 200 DOLLARS and 76 CENTS!!! 76CENTS....not TWO HUNDRED AND SEVENTY SIX, like heather was saying. When I hung up I called hubs, and b4 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.
Read 4 RepliesAdd reply
User Replies:
Ytropious on 03/24/2010:
Are you sure you gave accurate information about you and your husband at the time of the quote, IE past accidents, credit score, etc. When they take your word for it and give you a quote it's just that, a quote. When you sign up and they have to physically check the information you gave them and new things pop up, that price can change, and I assume that is what happened here.
Fiore on 03/26/2010:
Thanks yt.....I noticed u are on here quite a bit, r u with 3cents? Just curious. They already had all of my hubs info in there system so there were no surprises or missed info, she said the difference was the taxes and rental coverage. And that is wrong. U can't quote a #. Sign them up. Then change the number completely without informing the customer. Ya know...its sneaky.
twixypeps on 04/08/2010:
Heather sounds like an idiot, it stinks that you hate an entire company because Heather doesn't know basic grammar, on the other hand, she was helpful, she offered to fix your bill because it was an error....if she quoted you 198 and it came to be 200, that's not too far off and you don't remember the exact and plus tax it's close. If you thought 198 was cheaper than your current rate, then 200 would have been too. Heather was a moron, but you and your husband calling in livid will get you no where in life. Try this next time, "I think there is an error on my bill, can we go over this." You already set yourself up not to hear what they were saying, and didn't want to resolve the just wanted to yell, they probabaly were rude because they were bored with repeating themselves and you yelling. I work in customer service, I talk to customers how they talk to me...out yourself in there shoes, you would have been polite for a while but then after a while you not getting it, you would have tried saying it in a different tone.
Fiore on 04/09/2010:
Maybe u should re read the post. Those aren't the figures at all. And we weren't livid simply about the numbers, it was the way they talked to us. So yes we are unhappy with THEM not the company . AND since then someone from the company called asking y we joined and cancelled so quickly.(which was nice of them) and when I explained she said the same thing. There quotes are given with taxes etc included.
Close commentsAdd reply
Run as Fast as You Can From SNAKE Farm Insurance Co.
Posted by on
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.
Read 7 RepliesAdd reply
User Replies:
Anonymous on 03/23/2010:
They did not admit anything. They paid you up to the amount that the person who hit you was insured for. It was that person's fault you got hurt, not the insurance company. It is merely coincidence that you both have the same insurance carrier. They aren't going to just give you more money because you too use them.

Yes, if you think you deserve more, then sue. But remember, they are fighting for 'their' client, which at the present time, is not you. So don't take it as a personal slight.
Anonymous on 03/23/2010:
I'm curious as to what you think is an appropriate among, $80,000???
skelly39 on 03/23/2010:
What are your injuries? What do you think is fair to compensate you for your injuries? You are leaving out information that would make a huge difference to your case.
twixypeps on 04/08/2010:
LadyScot is right, State Farm is not at fault for hitting you. The person who hit you is at fault, sssooo your complaint for one makes zero sense. Second, you should be sueing the person who is at fault (just in case you forgot, that's the person who hit you). The person who hit you may only have 25/50/25, or 15/30/15, what this means is the first, State Farm will only pay up to 25,000 per person in an accident, or 15,000. The person at fault (the one who hit you) has to pay the rest. Soooo, sue them!
Ytropious on 04/08/2010:
When you get money for pain, you have to prove how much this is going to cost down the road. Did your doctor say it would cost more than 8 grand specifically, or are you just holding out for more because you *think* 8 grand isn't enough?
Anonymous on 04/08/2010:
Actually Ytrop pain and suffering damages have no down the road concrete out of pocket expenses or nifty bean counter figure. It's compensation for having to live with emotional and physical stress that is the result of a liable party's actions. Hence why it's 'pain and suffering' and not actual or anticipated medical expenses. Those would be a separate claim.
Ytropious on 04/08/2010:
Any claims only have one shot. If something medical creeps up down the road caused from this accident and you already're sol.
Close commentsAdd reply
What kind of NEIGHBOR?!!!
Posted by on
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 goodstanding 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 moto!
Read 6 RepliesAdd reply
User Replies:
Skye on 08/08/2009:
What happened to the cow??
Anonymous on 08/08/2009:
I too have had State Farm Insurance for years but when I missed a payment I never received a call from them nor did I expect one. You must have been over two months behind for your coverage to have expired.
State Farm didn't drop the ball, you did.
Good luck to you getting your unfortunate situation under control and look on the bright side, at least you are not that "black cow!"
Anonymous on 08/08/2009:
The farmer with the hole in his fence is liable here. Did you get a police report, and do they know who owned the cow?
Anonymous on 08/08/2009:
Too bad. Even if you were paid, I bet they would have said, "Our policy doesn't cover hitting black cows in the middle of the road."
spiderman2 on 08/08/2009:
I don't know about Arkansas, but in PA, you get multiple notices that your insurance is going to be cancelled before it is actually cancelled. I don't think it is industry standard that someone from your agent's office calls you to tell you that your automated payment didn't go through. You have access to your checking account, so you bear responsibility to ensure that your automatic payments come out.
IknowAlittleAboutThis on 08/26/2009:
The phone calls for policy reminders are a service that some agents offer but it is not State Farm or their agents responsibility to make sure you pay you insurance. I would think that you would have noticed that you had a bit more money in your bank account then normal. As far as the 6 months waiting period, that is a State Law not the insurance companies. You went without insurance for too long. The work around for that is when you are purchasing a new vehicle. Either way, your agent was providing a service you would never get from one of those other companies unless you owed them money they still needed to collect.
Close commentsAdd reply
A Really Bad Neighbor
Posted by on
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.

Read 3 RepliesAdd reply
User Replies:
BobJohn on 06/04/2009:
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.
oldviejo on 06/04/2009:
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.
IknowAlittleAboutThis on 07/03/2009:
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.
Close commentsAdd reply
Loyal Customer Taken Advantage Of
Posted by on
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 rearview mirror, and started backing up slowly. Than 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 sid 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.
Read 6 RepliesAdd reply
User Replies:
Ben There on 02/28/2009:
What part of the other car did you hit? Normally the person in reverse is at fault.
Soaring Consumer on 02/28/2009:
To heck with the adjuster.

The court WOULD favor you because the police report said that it was the other person's fault.

State Farm is attempting to commit insurance fraud.
Nohandle on 02/28/2009:
By the same token Ben, park in front or to the side of someone's home and if your car facing in the wrong direction on the street you are faulted with the accident should someone hit your car. You can be inside the home, and nowhere near the vehicle, it's still your fault. Backing up? I expect that's handled the same way. Your fault automatically.
Ben There on 02/28/2009:
Soaring, the OP says that in the report that "the other vehicle drove in to me"... That is not the same thing as fault. I have personally been involved in an accident where I ran into the other car, but the other car was found at fault. Neither of us was ticketed and the cops do not always place blame in a police report.
spiderman2 on 02/28/2009:
Who was listed in the police report as operator #1? That is the driver at fault for the accident.
IknowAlittleAboutThis on 04/09/2009:
actually, you are trying to cite who is at fault...if you do not maintain complete control of your vehicle at all times, you are at fault. If someone cuts you off while driving, and they cut you off IN FRONT and you hit them cause you couldn't stop in time, you could very well be deemed at fault. You were not driving in a forward direction so be happy that you didn't get a ticket for reckless backing. You could have fought it, but if there is no hazard number assigned to the drivers involved in the accident by the officer, then the insurance company must refer to the state laws. Usually when you hit someone else and they are found at fault it is due to "right of way" being obstrucked. Believe me, it is tough to fight the insurance companies when you are trying to establish fault.
Close commentsAdd reply
Who Do I Contact To Resolve A Complaint About An Agent?
Posted by on
GARLAND, TEXAS -- My wife was involved with a wreck a few months ago and has run out of energy to fight any more, 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 drivers 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 sight 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.
Read 8 RepliesAdd reply
User Replies:
Hugh_Jorgen on 12/10/2008:
Try your state insurance commissioner's office. They should have a mechanism in place to help.
DebtorBasher on 12/10/2008:
You can send your complaint from the following link:

Or you can send it to their corporate office at:

State Farm Insurance
One State Farm Plaza #A1
Bloomington, IL 61710

Or Phone (Corp. Office):

(660) 744-5838
Anonymous on 12/10/2008:
VH advice, Hugh. I'd only add that I'd also spend 30 minutes discussing this with an attorney. Might even consider speaking with an assistant District Attorney about possible perjurous statements (if the written/oral statements were under oath) by the other parties. No doubt State Farm will rate up this policy due to an 'at fault' claim against the OP. Good luck with this!
Anonymous on 12/10/2008:
Hugh is the very voice of reason.
Rocks911 on 12/10/2008:
Thank You for your responses, it's always refreshing to see a community respond so quickly and substantitively.

We're waiting for a final decision as the case has been reopened again. But to be sure the minute all efforts have ended on State Farms part I'll be filing with the state and with state Farm. Again, Thanks.
DebtorBasher on 12/10/2008:
Be sure to keep us updated on any results! Good Luck!
IknowAlittleAboutThis on 04/03/2009:
First don't send anything to corporate. They can't do anything there. Each state has their own laws and you need to deal with your agent. The first thing you should have done was filed a police report at the police department. The other party would have been contacted and based on the stories the police could determine who was at fault. Since that was not done, if the other person says they didn't do it, you have to prove they did. The fact that this other person is trying to influence the claim rep. is silly and showing they are no good. It is unfortunate but the insurance company goes off of facts and facts only.
IknowAlittleAboutThis on 04/09/2009:
DO NOT EVER say you have an attorney or are talking to an attorney about a claim. once you do no one at the company can talk to you anymore.
Close commentsAdd reply
Top of Page | Next Page >