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State Farm Insurance Claims

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Why should I accept liability if it wasn't my fault?
Posted by on
LAS VEGAS -- I am a young driver, 19, but I have been with State Farm under my moms policy since I was 16, and she has been with State Farm for much much longer with several cars and her house on the policy. I had never had a major accident before and until now I would say that any dealings I have had with State Farm went in my favor and they were always very fair.
so anyway this is what happened, we were on a major street waiting to make a left turn from the turn lane onto a small side street. where we were making the left turn there was no stop sign or light, it was just one of the left turn medians. there were two lanes of oncoming traffic that were backed up to the next light so both cars left a gap and polietly waved us through. we were creeping around the corner halfway into our turn when we were hit. apparently a ford expedition had decided it was OK to cut across the traffic at the backed up light by using the right hand turn only lane, and in doing this he basically t-boned us on the passengers side, where I was seated. the side air bags deployed and we spun in a full circle across the street hitting another car and pulling them into the wreck, finally it ended when we went over the curb and hit a palm tree. luckily there was no major injuries to anyone, I suffered the most with a very badly bruised forearm and sore back. the guy in the ford expedition claimed full responsibility for the accident at the scene, it was pretty obvious the whole thing had been his fault...I mean he was going at least 40 mph, not paying attention, and cutting through a right turn only lane( by this I mean that there were two lanes designated as through traffic and the third lane was right turn only onto the side street we were turning on, but instead he went straight through the turn lane.) it was horrible but at least I thought, OK it was his fault totally everything will be good and my car will get repaired off of his policy. this was before I realized that the accident wasn't nearly as bad as dealing with the robots at State Farm, I say robots because they must not have any feelings at all. when we first made the claim no one would give us answers on how the process works and we got calls from so many different people we didn't know who was who, and no one at our agents office could give us any answers. then finally the guy at fault in the expedition adjusters got in touch with my mom because she is the main policy holder, by the way he has State Farm also. they told my mom that the accident was split 50 50 for liability and she demanded that was ridiculous. they were so rude to her and even yelled and hung up on her. this was before they even had the police report! we got the report ourselves because they said it would take them 2 weeks to get it. once they had the report which cited the ford with full liability and no one else with any citations they decided that he was 80% liable and I was 20%. my mom still did not accept this and asked if the woman had looked at the police report my mom faxed. Megan Nelson, the opposing cars State Farm adjuster, informed my mom very rudely that it didn't matter what the police report said and that her decision was final and that's all my mom would get and then hung up on her. my mom talked with several of his adjusters and each time they said they same thing, all were very rude people who were trying to manipulate her into agreeing to the 80 20 split, but she stood her ground and denied them. finally our adjuster call my mom, and she is a nice sweet lady who doesn't seem interested in fighting for our side at all. my mom told her, aren't you supposed to be trying to get us not to have liability? her response was I tried to get them to go 90 10, I even called a round table! but they wouldn't budge. she then explained to my mom that a round table is when all the adjusters on the case meet and they re-inact the accident with toy cars to determine who is at fault. am I the only one that thinks this sounds insane! a bunch of idiots sitting around a table playing with cars get to decide my financial fate? I can't believe this is common practice in this company.
so basically State Farm, will screw you over just because they think they can get away with it. I don't understand at all. me and the driver at fault have the same flippin insurance company! why did State Farm decide to back him up? why did they put all the hard hitting adjusters on his side and give me little mis sunshine? it makes them seem really stupid. isn't the reason I have insurance to be protected when I become a victim? but instead they victimize you more.
now I have an attorney talking to them since they wouldn't even talk with us after many times of being hung up on. it doesn't seem like they are going to budge though. They even sent us an $800 check, 80% of the $1000 deductible, without my moms consent to that deal. they were just hoping we would cash it so they could close they case, they are so sneaky! the sad part is if I had more injuries this could have been a case that went to court, but since I'm still walking, well its just not worth the attorney fees. so while my little hyundia accent sits totaled by that huge expedition in some junk yard I'm without a car and probably won't see much money to buy a new one, thanks a lot neighbor...I'm switching to Geico at least they have a cute lizard
     
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clutzycook on 2010-04-19:
I think this is where the lawyers get involved. You said you have a lawyer. Now it should be up to him or her to fight it out for you. Sorry if this means you're going to be without a car for a while. You might end up having to get a loan and purchase a new one and pay down the loan once you get a fair settlement. I only say this because it could take a couple of years to get this taken care of.
bcd on 2010-04-19:
katie_jane,

Who was driving your car at the time of the accident?
spiderman2 on 2010-04-19:
http://ezinearticles.com/?Accident-Fault---How-Do-Claim-Adjusters-Determine-Liability?&id=756791 this may help explain why you are being held responsible for part of this accident. The other driver certainly bears the majority of the responsibility but you need to realize that you were proceeding through traffic when you did not have a clear view of where you were going. Never take another driver's word for it that the coast is clear if you cannot see for yourself. You also open yourself up to liability if you wave someone through and they get hit. Good luck to you.
Ytropious on 2010-04-19:
I've been in situations like that when 2 lanes of cars stop and leave a space for me to crawl through and I never just take their word for it, I make sure I can fully see before I gun it, even if that means holding up traffic that stopped to leave the hole.
katie_jane on 2010-04-20:
yes I agree that when you are turning left you should have a clear view and that is why we were barely creeping around the corner to make sure it was all good. anyway once I start to make the left turn I officially have the right away, this is what I have been told by my attorney. besides all that the police report clearly blames the fords driver for the entire accident, he was cited with 2 violations and the rest of us none, the insurance company isn't trying to be fair they are trying to manipulate us so that they can pay out the least amount possible. and this is just about the car, they haven't even offered anything for medical bills or pain and suffering. over although my main issue is that if I wasn't at fault according to the las vegas metropolitan police department then why should I take any liability and have my rates go up a ton, like I said I'm a young driver and just giving into taking 20% will affect me and my mom a lot.
Ytropious on 2010-04-20:
"once I start to make the left turn I officially have the right away"...yeah that depends, if you are making the turn illegally you are still liable for it. Also "pain and suffering" is not something you are likely entitled to at all. If you are still able to work and function and have not suffered a "loss" such as a loss of income or a loss of ability, you aren't really going to get any pain and suffering payment.
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Quick, and easy claims service for auto accident.....
Posted by on
ST. CLOUD, MINNESOTA -- Hit a deer on the way to work one morning. Called State Farm agent to see what next step is. He referred me to a local bodyshop that is part of their repair program. I went to shop, they gave me a rental car, and said they would take care of the rest. State Farm paid for the rental, and all the repairs on my car. $2800 in damages to the right front corner. Everything was taken care of, and I paid my deductible of $250 to the shop when it was done. Shop even cleaned up the car, and did a detail on it, and said that it is part of their agreement with State Farm. The "team" that helped me on my claim was pretty quick in answering questions, and called me back within minutes of leaving a voicemail with a question about who I pay the deductible to. Really, no issues at all. Heck, my car looks better now than it did before the accident.
     
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trmn8r on 2011-11-11:
Glad to see your compliment. I have had two deer strikes while insured by State Farm (and a large tree limb that fell on my car), as well as being the vicim of a hit and run accident.

Each incident was handled efficiently and to my satisfaction. Great comment.
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"Good Neighbor", Huh!
Posted by on
I have had State Farm Insurance on my autos since 1995. I also have a couple life policies and I used to also have health and home owners insurance. I recently placed a claim through my car insurance policy. I have not even had an adjuster assigned to my claim and I am already treated like a criminal. The claims representative that I had to deal with was not only rude but was accusing me of trying to put a claim through a policy that was not mine. I gave him the policy number thinking he was looking at the wrong screen and he reassured me that I was the one that was wrong. I told him I had my insurance card in front of me with my name on it and he told me I was wrong and that was not what he had on his screen. I cannot understand why I am being treated so rudely by my own insurance company. They never have a problem collecting my premiums or increasing my rates when they felt in need. Why should I pay an insurance company like State Farm to take my money on a monthly basis and then feel intimidated when you need to put a claim through. If this is how I am treated when placing an auto claim, I would hate to see how my relatives will be treated if they would unfortunately need to put a claim through one of our life insurance policies. I am so unhappy right now, I wish I would have invested all these years with a more reputable company. The ironic thing is that there slogan is "like a good neighbor, State Farm is there". I have had good neighbors and the customer service I received today was far from what they preach during there commercials.
     
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Venice09 on 2010-10-08:
The rep should have tried to figure out what was causing the discrepancy instead of accusing you. Was it finally resolved?
Anonymous on 2010-10-09:
Sounds like that claims adjuster is a real ass. I would contact state farm and tell them the way this employee is treating you, and that you are planning on canceling your policy after this claim is taken care of.
jktshff1 on 2010-10-09:
Talk to your agent.
Anonymous on 2010-10-11:
one bad phone rep and you hate the whole company? You should have disconnected the call and called back to get someone else or asked to escalate the call to a supervisor. Or as jkt said, go to your agent.
twixypeps on 2010-10-19:
There should be no reason a claim's adjuster should be rude to you, try to talk to someone else and file a complaint. I am on the other end and have had customers who don't want to resolve the problem, they just want someone to yell at, and I tend to shut down a little, so try to stay calm and get this done. Claims are never easy or fun, I've never dealt with one.
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Claim Processing Disaster
Posted by on
BLOOMINGTON, IL, ILLINOIS -- I'm older and have been told I'm an insurance company's dream client: a high FICO score and a virtual claim-free past (one previous loss in 30 years). It the following can happen to me, it can happen to anyone. In March, I experienced a sewage back up in my home that cost $70,000 to repair. The SF policy coverage provided a maximum benefit of just $10,000. That, however, is not at issue - I knew that from the outset and accepted it. I attempted to contact my agent to discuss how to proceed, but she failed to call me back for nearly four weeks due to (quote) "personal issues." Ultimately, the SF claims representative sent me a check for $10,000. When I finally reached my agent, however, she told me that SF would cancel me if I cashed the check. Not wanting to be canceled and left without insurance, I held on to the check and sought other coverage over the course of several months. (During this period, the company called me several times, trying to force me to make a decision to send the check back or cash it.) I finally found alternative coverage with a good company and wrote my agent several emails asking her to cancel my SF policy. It took her nearly two weeks even to reply to my communications. (Note that the second company insured me knowing about my loss experience and I'm paying an annual fee equivalent to what I was paying - thus, so much for SF's claims of customer loyalty and support.) I finally wrote the SF president Edw. Rust a letter detailing my experiences. I subsequently received calls from not one but three SF representatives, all bent on justifying the company's actions and trying (obviously) to limit the PR damage. One called me back even after I left her an explicit message saying there was nothing to discuss. So . . . if you want to receive poor customer service from your agent and you want your company to cancel you after you experience two claimse (that were not due to your actions or inactions AND you rectified the source of the problem at your own cost), go with State Farm. Otherwise, run in the other direction.
     
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Anonymous on 2009-07-20:
Whoa... State Farm paid your claim. They didn't cancel your policy, you left voluntarily. Where's the beef?

It seems like your whole complaint is based on what the agent said, who by your own admission is somewhat of an idiot.
saj80 on 2009-07-20:
Not sure how long you have been holding the check, but you may want to check the expiration date. As Ken stated, your agent is an idiot; try talking to someone higher up at State Farm about them canceling you if you cash the check, as I don't believe this. Lastly, you may find other insurance a little expensive, even with one claim, but it may be worth it to have a better agent. While I'm not a State Farm fan, I wouldn't blame the company for the actions of a pinhead agent.
madconsumer on 2009-07-20:
I wonder what 'extra' work you were trying to get from them? 70k for a sewage issue seems out right extreme.
JDSmith on 2009-07-21:
I think your negative experience was the direct result of a bad agent.

My family has used State Farm for over 30 years, and have filed 3 claims against the homeowners policy in that time. Each claim was processed and paid promptly. Never an issue with processing the claim and never an increase in the rates.

Our agent and his office staff are family friends, and have always gone out of their way to help.
mrs1140 on 2009-09-12:
JD, sorry that our SF agents aren't family friends like yours. I believe you are in the minority. My SF agent is not running his office..his errand girls are and they are doing so poorly.

Learn from Stefano...when an agent doesn't provide customer service and doesn't return phone calls, it's time to replace the agent with one who cares. State Farm isn't what it used to be. I, too, am going to leave after 35 yrs.


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Robbery/Victim Treated As I Were The Robber/Perp
Posted by on
TUCSON, ARIZONA -- My RV was broken into/severely damaged/valuables stolen while setting beside my home. State farm agent filed 3 claims, 1) RV insurance 2) homeowners ins 3) fire insurance. As of this date: my homeowners deductible has been raised to a 1% or 1,875.00. My vehicle history shows a total of $12,000.00 (Total of 3 claims) comprehensive claim. I tried to move one of the vehicles to farmers insurance, won't take me, the $12,000 claim made me not insurable. How can I be the victim of a robbery and destruction of property and be made the victim of the insurance company too...I have asked my agent..No response..Bad treatment..Bad result.. Something has to be available for me to do to correct this ...Help!!! Add insult to injury. Loss of RV use for 1 and 1/2 years, that's how long it took to get RV usable. Job was never finished, I am now finishing it myself out of pocket. Police have never found any one... they have fingerprints.
     
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Woodwalker75 on 2013-04-09:
I to was a victim of a home robbery and a victim of being a state farm client, they tried to make me out as the criminal as well and before my claim was even heard they were coming up with reasons they wouldn't be able to cover me! What was owed to me would have been cheaper than the business they will lose, I am telling my family, my friends and anyone that will listen DROP STATE FARM!!!!!! They do NOT stand behind their word or provide the service you pay for.
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Don't Use State Farm Insurance - They Drop You For 2 Claims
Posted by on
Long story short - Snow knocked down part of my fence and I put in a claim. Since part of my fence was already leaning over and broken out of the ground, the wind took down the rest of the fence within a week due to support was gone. I called and told them and they were more than happy to open a new claim for the second part of the fence. Turns out, they drop you for 2 claims.

If I knew this then, I would of never let the claim representative make it into 2 claims. Now, I am not being renewed and the quotes I'm getting because of the 2 claims on my record are more than twice what I was paying.

THANK YOU STATE FARM.....
     
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Anonymous on 2011-02-15:
Welcome to the wonderful world of Insurance and underwriters.
tnchuck100 on 2011-02-15:
Banks and laws require us to carry insurance. But if you ever use what you paid for you can't get it anymore at a decent price.

What it really amount to is the insurance company is going to "loan" you money to do the repairs. You are sure going to pay back every cent in raised premiums.
Weedwhacked on 2011-02-15:
Typical insurance company!
madconsumer on 2011-02-15:
100 +++ PC
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State Farm - Raise Rates After A Claim Is Made
Posted by on
KANSAS CITY, MISSOURI -- I have been a CUSTOMER of STATE FARM for 32 YEARS, having had multiple policies for home, boat, several autos, etc. In that time, WE HAVE NEVER MADE A CLAIM ON ANY POLICY UNTIL THIS YEAR WHEN WE HAD A BURGALRY OF OUR HOME! Our claim was processed and paid - and then IMMEDIATELY following we received an INCREASE OF 25% in our homeowner's insurance premium. IT IS FRAUDULENT to allow the consumer to believe they are paying to be insured when in reality the company intends to get its money back from the customer should State Farm EVER have to pay money out on a claim.

THE IDEA OF INSURANCE IS TO SHARE THE RISK OF LOSSES OCCURRING - STATE FARM TRANSFERS ALL RISK TO THE CONSUMER!
     
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clutzycook on 2010-08-20:
That is how insurance companies operate. They are in the business to make money. When they have to pay out on a claim, they lose money. I'm not entirely sure, but I think that once a policyholder files a claim, their odds of filing another claim in a few years increases. Therefore, the policy holder is a greater risk to ensure, hence the increase in rates. I could be wrong on this, though and I hope someone corrects me on this if I am. Either way, it stinks for the policyholder. I'm in the same boat you are. I had a claim on a car accident last summer and my insurance went up $70/6mo. I filed a homeowner's claim for hail damage this year and I'm certain my premiums there will jump next year (not that they haven't constantly gone up every year since getting this policy).
grandma005 on 2010-08-20:
I have had State Farm Insurance on my home for ten years. I have never filed a claim on it. My insurance rate went up $150 this year anyway. Last year it went up $200. I am now paying $350.00 more and never filed a claim.
CaptainSpaulding on 2010-08-20:
From what I have heard, people all over the country are having their insurance policy premiums increased who have never filed claims and who have never been issued traffic tickets. This problem isn't limited to one insurance company... they're all doing it!
Weedwhacked on 2010-08-20:
It's actually not fraudulent. That's how insurance companies operate.
Anonymous on 2010-08-20:
My insurance has gone DOWN for two years in a row. I have Ameriprise through my Costco membership. Before that, our rates were also going up yearly with no claims or tickets.
Nohandle on 2010-08-20:
I had quite a costly claim filed with State Farm, a home burglary (B&E), and just felt at the time my insurance would probably either be cancelled or the premiums would skyrocket. Neither happened. I don't pretend to understand what goes on behind the scenes nor do I know squat about insurance. They are for profit for certain, since they are a for profit business, but I've not figured out yet their formula.

Can anyone on board explain why the OP experienced treatment so different from mine? Someone breaking into your home is bad enough but having to deal with additional charges for premiums because a claim was filed is too much in my book.
Anonymous on 2010-08-20:
Good question, Nohandle.
Anonymous on 2010-08-20:
My partner backed into someones car last year, and his rate also went up. that's how ALL insurance companies work. Sometimes its cheaper in the long run to just pay for the repairs yourself, if small enough of an accident.
clutzycook on 2010-08-20:
NH, how long ago was the claim made and how soon was it made in relation to your policy being renewed? If it was made just prior to your policy renewal and it hasn't been renewed since, stay tuned; it may not have caught up to you in the system. That happened to me last year with my car insurance claim. The claim was made in June/July, my policy renewed in September and the premium hadn't changed from my renewal in March. But, when I renewed 6 months later that's when my premium went up.

Singsing, I should look into that Ameriprise insurance. How are they service-wise?
Anonymous on 2010-08-20:
clutzycook, I don't know because we haven't had any claims. But, the fact that they are lowering our premiums every year is good service to me:) Much better than the insurance companies we've had in the past. Plus they throw in free locksmith service and towing.
clutzycook on 2010-08-20:
Hmm, I'll have to look into it. Our homeowners just got renewed and our car insurance isn't too far behind. Maybe next summer :).
Nohandle on 2010-08-20:
Clutzy, my claim was probably 7 years ago. My homeowner's insurance is paid yearly. I have not received an increase on my premium except a few things are excluded now. One exclusion is for mold damage but that was for all policy holders, not just me. There is also a provision spelling out flood coverage, again for all policy holders. My claim was for neither one and was paid within 30 days.
Venice09 on 2010-08-20:
I know I've posted this before, but my husband has used State Farm since he was a teen, and together we've had State Farm insurance on everything for over thirty years.

State Farm never raised our rate after any particular incident. And there were many. I can't even remember all the car accidents, but one did result in our car being totaled, hospital expenses and being sued for a million dollars, which required court proceedings. State Farm handled everything and did not raise our rate. We also had two home burglaries and again State Farm paid out quite a bit in total but never raised our rate. That's not to say our rates haven't changed in all these years. But it was never due to any one incident.

Reviews like this leave me wondering if things have changed at State Farm. We haven't had a claim in a long time. I hope we don't have to find out.
mwalker on 2013-07-25:
I was told since voting to limit insurance from raising rates they make up for it now when you file a claim. My daughter filed a claim and was told by that one claim she list her good driver discount for 6 years! I can see the rate going up after a claim but taking the good driver off for 6 years is outrageous! I feel she is being penalized in that respect, for a year OK but 6 really!
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No Help
Posted by on
We received damage to our home due to a terrible storm three weeks ago and we are still waiting for the claims agent to tell us what we need to do, what papers need to be filled out, etc. We at least have a claims number but we get no response when trying to contact the insurance company. I don't know how they stay in business with such poor service. If they are really busy and can't get to us, all they need to do is let us know. Having no communication is what is frustrating. It's time to look elsewhere.
     
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MDSasquatch on 2010-08-04:
Call your individual agent, not the insurance company, that is what they do
Venice09 on 2010-08-04:
As MDS said, call your agent. You shouldn't have to wait this long for answers. Your agent should be able to tell you what you need to do right on the spot and get the ball rolling.
Helpful on 2010-08-05:
Absolutely agree with the first two comments. If this is considered more of a catastrophic event, State Farm will have already sent out adjusters to start the ball moving.
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Leaves A Michigan Family Walking In The Cold
Posted by on
MICHIGAN -- This information is EXTREMELY condensed to share the jist of our problems, and to avoid using names, and to many details.

On Jan. 15 2009 the engine of our car caught fire. as of today 9.21.2009 our car still has not been fixed, and has been sitting in a repair shop for the last 30 days because it's undrivable.

The jist of our problems include State Farm using parts from a junk yard to effect repair of our little $5,000 family car.

The car has not run properly since the day it was returned to us by the first mechanic, and two dealership mechanics have not been able to resolve the issue, and keep telling us the damage is not a result of the fire, and sending us a bill. when it was State Farms decision to make the initial repairs.
in spite of my protest State Farm went ahead with repairs, and since I've gotten the car back it has been returned to the original mechanic 4 times,
It's been to a Second dealership mechanic to replace the PCM, where it was diagnosed by a Ford Dealership with a drivability issue, but the second mechanic stated the car ran fine, and returned the vehicle to us.
When the car was returned to us. we was told it was "FIXED" which was a lie.
The car stalls, it did not shift gears properly, and it fails to start in cold weather.

On the 4th return visit, the mechanic said he was sick of dealing with us, and that our piece of junk car was not working properly due to lack of maintenance. not fire damage.


I strongly recommend people avoid using State Farm Insurance, because IF you should ever have to file a claim. you will not have a say in how the car is repaired, or replaces. you will not have a say in what parts are used, and no one from the company will give a crap when it all falls apart, and your stuck walking to work after paying 5,000 cash for a car that is now worthless 1 year after buying it.

And if there is ANY one able to offer suggestions on how I can fight this company please contact me.


     
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moneybags on 2009-08-26:
Take it in to someone who has NOT worked on it and get a written estimate for fire repairs. Send a copy to SF and another to your insurance commissioner.
laklisa on 2009-08-27:
Sometimes it is the mechanic/body shop and not the insurance company. For example several years ago an SUV backed into my driver door. Her insurance cut a check to have a NEW door put on. However the body shop just put bondo over the dent and painted the door...which took two weeks. By the time I realized, it was a couple of years after the fact and too much time had passed to complain about it.
IknowAlittleAboutThis on 2009-08-27:
In the state of MI, only you can athorize repairs on your car. If you don't want the work done at the place recommended then you can take it somewhere else. If you have that much of an issue with the work that was done, then why are you not working with your agent or claim rep? Why are you agreeing to the work they are doing by continually signing the documents to get your care out of the shop? Better yet, why have you shelled out $5,000? Also, EVERY insurance company uses refurbished parts. State Farm is the only company that tells you they do it. AAA, Geico, Progressive, Allstate, etc. will not tell you the parts are refurbished they will just put them on. Do some homework regarding your states insurance laws, then complain to the person who writes and regulates them...the commissioner.
GenuineNerd on 2010-01-02:
Considering it was a car fire, because wiring and other components could be damaged, State Farm should have totaled this vehicle and cut a check for you to use for at least a good down payment on another car, rather than attempt to repair it. Because of the fire damage, this car would never run again the way it was before the fire. Especially if computers or other circuitry suffered fire or smoke damage.
twixypeps on 2010-02-22:
I don't think we are getting the full story...sounds like to me you were sold a crappy car....engine fire? That does not sound like an insurance accident claim. That sounds like a warranty claim. If someone hit you and that started the fire, that is an insurance claim. Sue the man who sold you the car, or sue the mechanics who said they fixed it but didn't. State Farm is not in the wrong.
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You Pay & Pay & Pay...They DON"T!
Posted by on
CHARLOTTESVILLE, VIRGINIA -- I had two water damage claims in my home. One in Sept. 2008, then another in April of 2009. Water pipes leaked in the walls. The adjuster never even showed up to view the damage. Called the morning of the scheduled appointment and asked me to email him photos of the damage that it could be handled over the phone. I did. Living in a rural area it was hard finding a contractor to even come for an estimate. Finally found one, he sent me an estimate and shortly after went out of business. I was back at square one. Then the second claim happened....it took the State Farm adjuster 3 weeks to even come to look at the damage. Good thing my house hadn't burned to the ground. He was in and out so fast, he didn't even get all the details. Tried to show him the first claim, he wouldn't look at it. This was the same adjuster. I have spent another 4 months trying to locate a contractor. State Farm has their own premium contractors, the nearest one to me was almost 2 hours away. No one wants to come to a rural area for what they consider a small job. Finally I had two that actually showed and gave me estimates. Now State farm is REFUSING to pay for the difference in the repairs, from the first guy who obviously under estimated the job, comparing his to the two other estimates I received. How can they refuse anything when their own adjuster NEVER came to view the first damage claim. They never measured, never came to even look at the damage. I am a professional photographer. I took the photos and sent them per the adjusters request. I have spent too many hours, days, months and now almost a year trying to get this company to pay.
Take some advice...their slogan..Like a good neighbor State Farm is there. With neighbors like this...who needs them.
     
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Anonymous on 2009-08-25:
Welcome to the world of mandatory insurance where they become millionaires at your expense.
PepperElf on 2009-08-25:
that's weird
state farm never screwed me over. tho I only have them for my auto insurance
SadSackSam on 2009-08-25:
Your problem is location not company.
Anonymous on 2009-08-25:
You might want to contact the insurance commissioner in your state and see if they will advocate for you.
lessthanzero on 2009-08-25:
Hey, SadSackSam, if the company agreed to provide coverage, then location is not the problem.
Soaring Consumer on 2009-08-25:
Do what Ken said and contact your state's insurance commissioner. VH Ken.
twixypeps on 2010-01-21:
It is very hard to follow your complaint. What you are saying is you have two claims open? Or you have two estimates for the same claim? Why you have two estimates is beyond me! You need to walk into your agent's office and have them help you with the adjuster. What it sounds like is your adjuster is not agreeing to what a contractor says it will cost to repair. The only option you have is to arbitrate it. This mean you find a third party to come in and either do another estimate or decide which estimate is correct. believe it or not insurance companies are ripped off daily, contractors come in and see it's an insurance agency paying for something and try to rip the companies off. Talk to the contractor, let them know State Farm is only willing to pay such and such amount, will you knock down your prices.
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