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Why should I accept liability if it wasn't my fault?
By -

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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"Good Neighbor", Huh!
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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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Claim Processing Disaster
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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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Quick, and easy claims service for auto accident.....
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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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State Farm - Raise Rates After A Claim Is Made
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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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No Help
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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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Leaves A Michigan Family Walking In The Cold
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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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You Pay & Pay & Pay...They DON"T!
By -

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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Ease and speed of processing claim
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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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Underhanded Actions
StarEmpty StarEmpty StarEmpty StarEmpty StarBy -
Rating: 1/51

JACKSONVILLE, FLORIDA -- 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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