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State Farm - Raise Rates After A Claim Is Made
Posted by Leeglens on 08/20/2010
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.


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Posted by 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).
Posted by 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 anyways. Last year it went up $200. I am now paying $350.00 more and never filed a claim.
Posted by 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!
Posted by Weedwhacked on 2010-08-20:
It's actually not fraudulent. That's how insurance companies operate.
Posted by 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.
Posted by 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.
Posted by Anonymous on 2010-08-20:
Good question, Nohandle.
Posted by Anonymous on 2010-08-20:
My partner backed into someones car last year, and his rate also went up. thats 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.
Posted by 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?
Posted by 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.
Posted by 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 :).
Posted by 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.
Posted by 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.
Posted by 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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Claim Processing Disaster
Posted by Stefano on 07/20/2009
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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Posted by 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.
Posted by 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.
Posted by 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.
Posted by 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.
Posted by 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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Dropped after claims
Posted by Angry and Upset on 01/24/2008
What's the point of having insurance if the insurance companies don't want you to put in a claim? Thought that was the whole point of having coverage! State Farm decided to drop us after two water damage claims that we put in. Both damages were caused by the condo owner above us. When we talked to our agent and adjuster they assured us that these two claims wouldn't affect us and that they were going to go after the people above us. The whole insurance industry is a scam.

They want our money, but when they have to pay out they get rid of you. We'll be moving all our policies to a different company.
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Posted by GothicSmurf on 2008-01-24:
With two claims, you'll be paying a higher premium. Even though it was caused by the people above you, there's a good chance the insurance company wasn't able to subro. Since you've had two claims - I didn't see a time line. Two claims in how long? A month? A year? A week? That makes a big difference. If you've had a number of homeowners claims in a certain period you are a risk.

You can thank those who used their insurance policies as a maintenance policy.
Posted by Angry and Upset on 2008-01-24:
We had a claim in 2006 and another one in 2007. State Farm told us that they were going to subrogate for the second one, but no such effort was made by State Farm. I understand that you become high risk even after one claim, but the point here is that State Farm was not being honest with us. All along they assured us that our premium was not going to be affected, that they were going to subrogate. We made sure with our agent, before we put the claims in, that our record was going to remain intact. We thought at the worst that our premium might increase a little bit, but based on the conversations and assurance from State Farm, did we not even consider that they could drop us! I think we wouldn't have been this upset with State Farm if they just been straight forward with us from the beginning.
Posted by FoggyOne on 2008-01-25:
We had only 3 claims in over 30 years of coverage (2 small ones and 1 water damage). They canceled us too. Our agent was totally worthless, actually worse than worthless because they didn't even try to fight for us. I called State Farm in Tempe and talked to an underwriter and our policy was reinstated with a higher premium (that is no problem because it seems our house is 'higher risk'). The only thing our agent did was give us the names of ripoff insurance companies that charge 4 to 5 times as much as a normal policy for less coverage. If I hadn't called State Farm underwriting direct we'd be paying a lot more. Also, no other 'regular' insurance company would touch us because SF canceled us. The insurance companies know they have consumers in a very tight bind and take every advantage of it. I am thankful there was at least 1 person (the underwriter I spoke with) who seemed to have any idea of good business practices.
Posted by tnchuck100 on 2008-01-25:
15 years ago my father-in-law had State Farm auto insurance for 25 years and never had a claim, accident, or ticket. They canceled him because "statistically he was due for an accident".
Posted by Anonymous on 2008-01-25:
Chuck -- "statistically he was due for an accident" -- That has to be a joke. Insurance companies are pretty math savvy and that statement is about as incorrect as saying the earth is flat or saying dang this slot machine is due to pay off.
Posted by Principissa on 2008-01-25:
That's like your HMO calling up and saying to a person, "statistically you are due for a cold or broken leg so we are dropping you for not going to a doctor or hospital." That's some messed up logic they used on your FIL.
Posted by tnchuck100 on 2008-01-25:
Stew, that was not a joke. I'm as serious as a heart attack. That IS what they told him. This is first hand information.
Posted by nickles on 2008-04-17:
Good for you. I have done the same thing with State Farm. I guess when you make so much money you forget about the people who allow you to have a job. What would happen if people decided they did not need insurance. We pay for the "what if" what happens when they what if never happens. The insurance company continues to get rich from customers paying premiums.
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Ease and speed of processing claim
Posted by on 06/12/2007
SUNNYVALE, CALIFORNIA -- I've had State Farm for auto coverage for as long as I've been driving (about 20 years). In that time I've filed 2 claims with them, the first several years ago for an accident, and the most recent yesterday.

As I was leaving for work yesterday morning, I found that, some time overnight, my car window had been smashed and my portable GPS device stolen.

I went back to my place, and called the police to file a report. While waiting for the officer to arrive, I called my insurance agent, about 8:30 am. After a short automated message, I was connected to an agent.

I explained I needed to file a claim for the broken window and missing GPS. She verified all my information, and the details about the loss and let me know that I would be contacted by someone from the claim team, who would review my claim and coverage. She provided a claim number and contact number for the Team that would be handling it.

After getting off the phone, I located the number of a mobile auto glass company, and called to schedule the needed repair. After that, the officer arrived and I filed the police report.

By 10:00 am I received a call from the claim agent, who again reviewed my information, took specific details as to the model of my GPS and all the damage done to my car. She assured me my claim was covered, less deductible of $250.

She asked if I needed help finding a local window repair, I let her know I had already scheduled one.

She stated that my GPS would be replaced by their contract replacement service, who would order and ship the device. I would just need to fax them the receipt from the window repair, and they would apply it against my deductible.

By 1:30 I received a call from Coordinated Claims, to verify the model of the GPS device I had. They confirmed that it was available, and verified the address to which it would be shipped.

I was directed to fax the window repair receipt, which I would not have until Tuesday, and they would contact me again to finalize my claim.

After having the window repaired Tuesday morning, I fax the receipt to CCS around 12:15. By 2:30 I received a call back. After the cost of the window repair, I did have to pay an additional $90 towards the deductible for the GPS (it cost $700 for the unit).

All being said and done, my claim was accepted and approved in just a bit over 24 hours, and my replacement GPS is on order, and should be arrive within 3 - 5 days.

It's really great dealing with a company that handles claims so quickly and efficiently. My previous claim experience was just as positive.

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Posted by MRM on 2007-06-12:
With regards to GPS in cars, I see alot of cars with GPS on the windshield and a thief can see the GPS in plain view. I would hope that the GPS be put away in glove compartment when not in use.
Posted by Anonymous on 2007-06-12:
Unfortunately I had become complacent with leaving my GPS in the car, when it took seconds to disconnect it and take it with me. This was fueled by the fact that I park in a gated underground garage. I always removed it from view, and placed it low between the seats, but obviously that was not enough.

The officer that took my report told me that almost all the auto burglary calls he had handled this year have been for GPS devices.
Posted by SAJ on 2007-06-12:
Let us know if this incident affects your rates sometime in a future billing cycle.
Posted by Anonymous on 2008-01-24:
Just as a late follow up to this post.

I have had two billing cycles on my insurance policy since this claim, and my rates have actually gone down. This claim did not adversly affect my policy in any way.
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Quick, and easy claims service for auto accident.....
Posted by Weberrules56 on 11/11/2011
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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Posted by 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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Issues With Claim For Roof Damage Due To Hail
Posted by MikeC on 12/18/2008
CONYERS, GEORGIA -- Had hail damage to my roof on my home. Adjuster came and confirmed. I had already had a couple estimates but he adjuster's own estimate was about a thousand too little but said if the contractors actual costs are indeed higher to just submit the final invoice after the work is completed and they would adjust the difference. Well after the work was done I never could get the adjuster to return my calls. I have received the amount that the adjuster originally estimated for. I then contacted and faxed the information to State Farm's office My agent gave me of which the initial conversation over the phone indicated they were going to adjust for the difference. a few weeks passed and I called on a status on the claim, everyone I talk too says the claim is paid and no adjustments have been made nor are they willing to do so or even discuss it.

I am now filing a complaint with my states do nothing insurance agency but I am also going to switch to a different insurance company right away.
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Posted by IknowAlittleAboutThis on 2009-04-09:
Really the only thing you did wrong in all of this was cash the check. A claim is not closed until payment has been rendered. by taking and cashing the check you agreed to the settlement amount for the claim. That is just how these sort of things work, not just with insurance companies.
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"Good Neighbor", Huh!
Posted by Crikett on 10/08/2010
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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Posted by 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?
Posted by 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.
Posted by jktshff1 on 2010-10-09:
Talk to your agent.
Posted by 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.
Posted by 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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No Help
Posted by 55and56 on 08/04/2010
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, and 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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Posted by MDSasquatch on 2010-08-04:
Call your individual agent, not the insurance company, that is what they do
Posted by 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.
Posted by 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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Why should i accept liability if it wasn't my fault?
Posted by Katie_jane on 04/19/2010
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 thats 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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Posted by 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 awhile. 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.
Posted by bcd on 2010-04-19:

Who was driving your car at the time of the accident?
Posted by 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.
Posted by 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.
Posted by 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 all though 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.
Posted by 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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StarEmpty StarEmpty StarEmpty StarEmpty Star
Underhanded Actions
Posted by Jja761 on 10/12/2013
Claimed on home insurance, legitimate claim. Hard time was given, and treatment by the claims department was rude.

I am cancelling home and car ASAP. Buyers beware.
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