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 politely 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. **, 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-enact 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 miss 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 it's just not worth the attorney fees. So while my little Hyundai 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.
WEST HILLS, CALIFORNIA -- I was involved in an automobile accident on 04/06/14. I was the passenger of a vehicle that was rear ended. The driver of the vehicle that rear ended us had Mercury Insurance and they paid the policy's maximum of $50,000 and awarded the driver and myself $25,000 each.
Our mutual attorney filed a first-party underinsured motorist claim, using the driver's insurance of the vehicle I was in, which is State Farm. The State Farm Adjuster, David [snip], offered the driver $70,000 new money and offered me nothing although both of us suffered nearly identical shoulder tear injuries. The tears in our shoulders were verified by the results of MRIs we received.
Moreover, the majority of the damage was on the passenger side on the rear of the vehicle.
I am also unsure why the adjuster was asking my attorney about my longevity, since it had nothing to do with the accident. I have stage 4 breast cancer metastatic to the bone. The adjuster stated to my attorney that the reason he was offering zero is because I waited 6 weeks to be treated and the damage to the car was minimal. I had in fact gone to Urgent Care immediately after the accident but the office was closing. Based on my MRI results, it showed that the tear on my shoulder was a result of the accident. The other reason the adjuster gave my attorney for offering zero was because I had already been paid by Mercury Insurance. It was explained to the adjuster by my attorney that I had waited six weeks after the urgent care to treat further because I had just had a Bilateral Mastectomy less than 90 days prior to the accident and that I was hoping the pain in my shoulder would go away. It is my contention that the adjuster David [snip] has discriminated against me and ultimately made the decision not to pay me as he is banking on the fact that I have stage 4 breast cancer metastatic to the bone, and I may not live long enough to go through the arbitration process.
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 their 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 their commercials.
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.
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 claims (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.
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 body shop 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.
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.
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 BURGLARY 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!
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.
My car was hit by a State Farm insured and I was turned over to a State Farm claims adjuster after having to make 2 calls to the agent of the insurer. Since I was told that I could either take my vehicle to one of State Farm approved shop or get one of their adjusters to look at my vehicle, s damage, I opted to have an adjuster to look at my vehicle.
Prior to the adjuster showing up at my home I took my vehicle to one of State Farm approved shop for a separate estimate of damages. When the adjuster showed up to look at my vehicle I had to end up showing him the estimate from the shop of their choice because he could not understand why their estimate were different. The adjuster then stated to me, that "Black was Black and White was white in his book and he would not pay for tint in an estimate.
When I called the Claims adjusters supervisor and stated the problem to her, she got very rude and said, I could take my vehicle to a shop to get it repaired and they could consider a supplemental claim but not necessarily pay for tint to paint my car back to the way it was. I asked for another adjuster of their choice to re-examine my vehicle since I felt that the first adjuster apparently must have been new or just didn't know what they were doing and I was told their estimate was final that if I didn't like it.. Well it was too bad because there was nothing I could do about it.