ANN ARBOR, MICHIGAN -- When my bill goes up there was never an explanation if it's a rate increase or expected savings either due to increasing deductibles or agreeing to using "In Drive". Should I not be entitled to hear any change on premium first from the Corporate HQ prior to seeing it on my bills? Is it possible that your agent does not know how to factor out any increase/savings from your regular monthly charges? Do you agree with his answer "I do not know what the real savings were... or I don't know how to figure it..." but he knows how much rate increase six months from now, explicitly accurate on each of 2 cars? Don't I have legal rights to know the truth and only the truth?
LANSING, MICHIGAN -- State Farm Insurance has given me the run around for two months while trying to switch insurance companies. After finally getting it straight and getting on the insurance. We were informed today we were getting cancelled because they can not obtain a "Letter Of Experience" from our last insurance company. We had contacted our old insurance several times and they have no idea what this letter is.
We have given State Farm the number of the old insurance company and have asked them to contact them so we could get it fixed. We sent them all the paperwork we could obtain but still got cancelled. Of course we had sent them a payment and they accepted it so now we have no extra money to pay another agency to obtain insurance. The insurance agents name is Michael ** and they are based from the Lansing office.
ATLANTA, GEORGIA -- I have been with State Farm insurance for over 40 plus years. I carry auto, property, and life insurance policies with this company, and recently I had a property claim filed with this company. State Farm has now taken to operating a less than up front business. Upon filing my claim I was forced to go through my agent and several adjusters and finally was directed to a so called underwriter who informed me that some 10 years ago there was a very small clause change in my property policy.
This clause change would require me to list all unscheduled personal property and then insure it up to 80 percent of market value, which would increase my premium by a significant amount. Bottom line is that after being run around for several weeks State Farm refused to pay the claim, yet they have no problem billing me monthly for coverage. I am suggesting anyone dealing with this company seek alternative coverage or else get an attorney to read your policy carefully.
QUITMAN, TEXAS -- My Agent in Quitman TX was great. He did all he could do. They are great people. But as State Farm corp. office SUCKS!!!! They cancelled my auto insurance for a claim they never paid. They ask me to put all my insurance together so I did and then cancelled my auto and never told me even my agency. He did not know. I had no insurance for 3 month and did not know. When trying to talk to the corp office they referred me back to local office. Hell they tried to get answers as well but could not. So as I see it the local office GREAT State Farm Insurance SUCKS. I would not recommend them to anybody not even my worst enemy.
GRANBURY, TEXAS -- Typical non payout from State Farm. Reputable roofing company stated I needed a full replacement of roof do to hail damage from major storm and tornado. State Farm's adjuster that only works for them called for 500 square feet of patching on a 2500 square. A patch job of that size roof you would see the patch a mile away. The ironic thing is the man was a ac/heating contractor before becoming an adjuster.
After asking him simple roofing questions like how many shingles in a bundle etc... he had no clue!! This man was giving repair estimates on roofs and had absolutely no idea what he was doing. After deductable I ended up with no money for repairs. I am taking them to small claims court now. If I were you I would stay clear of State Farm.
MT. AIRY, NORTH CAROLINA -- I had a head on collision and was almost killed. To make things short, I got $18,000 out of this lying, disgusting, worthless insurance company. Every time one of their lying commercials come on, I have to turn it, as they all blatantly LIE. When we needed them, they put us on hold, gave us the run around and didn't do much of anything. On the commercials, they sing that stupid jingle and someone magically appears. Wow... nothing like that ever happened to me the 22 years I was with them. They are liars. They do nothing for their customers except take take take...
VILLA RIDGE, MISSOURI -- We are a small contracting firm in the St. Louis area specializing in insurance restoration claims. Our deal like most of the other insurance contractors is that we complete the work for the amount established by the insurance carriers. We have found that this has the minimal financial effect on our customers with the only out of pocket costs being the deductible and any upgrades. A large hail storm producing golf ball size hail and strong winds blew through Villa Ridge, MO on 5/13/10. Approximately 1 1/2 weeks later a storm came through producing 60+ MPH winds. One subdivision, Golden Pond has had approx 80-90% of the roofs replaced due to the hail.
We had several houses in this area that we recommended replacing the roofs. The State Farm adjuster met us at these sites and we both inspected the roof. He recommended replacing one roof, did not include any of the roof accessories, IE; vents, drip edge or pipe flashing and only one run of aluminum gutters across the back of the house. No consideration at all for the front gutters or any of the screens that were damaged. His comment to us was you know how the game is played. She is a disabled senior citizen that can barely walk. The adjuster was told, by our customer, to contact us about the claim and we would make the arrangements for any meetings that were needed.
He was left several phone messages and never called us back. He went to her home, without us present and settled the loss. I got a call and she was crying saying that she almost fell getting to the door, it takes her over 5 minutes to get to the door. He kept ringing the door bell until she answered. And he missed the interior damages as well. The other house in Golden Pond he recommended 1/2 a roof, 3 aluminum window wraps and no gutters. A few inappropriate and derogatory remarks about our customer were made by him, such as, "She is kind of goofy isn't she?." She was involved in an auto accident recently and had a brain trauma.
He recommended to the homeowner to withdraw the claim so she would not be charged with a claim and to file one later and maybe the front would be covered. Then came back 1 hour later and gave her a $1,500 estimate with a $1000 deductible and closed the file. This yard connects to the 1st house we wrote about. The neighbor on the north side, south side, west side and east side of her each had hail damages and got full roofs.
We had the same adjuster on 4 other properties in the area and an independent adjuster from State Farm on the 5th property. We googled a map of the area and these houses are all in a straight line with the yards connected 2 of them, and the street dividing the rest. He recommended paying for one roof, only half the gutters, a garage door, and had a repair recommendation of $76 for a metal door that was damaged. He denied the damages to the metal pole barn roof. The back yard connects to the independents roof, he did a 100% replacement with no problems.
Directly across the street our customer is another retired senior citizen who was denied. He was told there was no damage at all. We replaced the next door neighbors roof and our competition replaced the roof across the street from them.
Across the street our customer is with a different company and got a whole roof, gutters, siding and a roof on the pole barn. This yard connects to the property of a retired widow. He recommended replacing 1/2 of her dwelling roof, the back gutters, one metal roof and half of another metal roof. His comment to me was "I guess we will see how good your salesmanship is and you can sell her the other half of the roof. He then stated that he did not want to set a precedence on replacing the metal roofs because he does not think the structural integrity was effected by the hail.
We met him on site two weeks ago and she still has not received the estimate or check, but has been told at least 4 times that the check was in the mail, an out and out bold faced lie. When she asked for another adjuster she was told that State Farm will not send anyone else out, they have confidence in the adjusters assessment of the damages and his repair recommendations.
Another retired widow house was done half way as well, shingles only on the roof, no gutters, no roof turbines, and no screens. We met him for a re-inspection, he will not pay for one of the roofs on the property. His inspection was 2 1/2 weeks ago, still no check. In the mean time our customer has been hospitalized with heart problems and called me literally crying her eyes out and wanted to know what was going on. She told me her blood pressure was up again over this and she can not deal with it any longer, and that we should go ahead and complete the repairs and she will pay for it all. This is golf ball sized hail that caused the damages.
My last complaint is a customer that we replaced the roof next door to him from the wind. You can lift huge sections of shingles on both the slopes on the garage and house. State Farm recommended replacing 3 square of shingles, and some guttering, with no consideration of removing the tree off of the garage. He now has interior water damages.
MCMINNVILLE, OREGON -- This posting is in regards to an accident my daughter was involved in on April 16, 2010. She had stopped behind a car waiting to turn, and her vehicle was rear ended (and totaled) by another car who's driver wasn't paying attention. Our agent was very helpful in getting a claim started for medical coverage.
The issue is that the other driver was also insured by State Farm. I found out very quickly that this apparently changes the rules. The rental car coverage that I have been paying for all this time doesn't come into effect unless the claim is made on my policy; which of course it wasn't since the other driver was at fault. Therefore there is no rental car available to used to find a replacement vehicle, unless you pay for it out of your pocket, once the other claim makes an offer for your totaled vehicle over the phone. Not once you receive any money, which takes another few days in the mail; or you can pay for the rental yourself and drive the hour or so to go get it, and while you're test driving vehicles.
I owned the vehicle my daughter was driving for 9 1/2 years, took very good care of it and the engine had a lot of miles on it, but would have easily gone another 100,000+ miles. Please tell me where you can actually purchase an equally reliable running vehicle for $1400?
My daughter is a full time student & her school is paid per term, but she has to pay additional for any missed days to make them up in order to graduate. That's $80/day that's not covered by the insurance, unless she misses 14 days. She had a neck injury that kept her out of school for a few days, but not long enough to get reimbursed for it. She has to pay extra for those days to graduate.
In addition to all of this, even though we're State Farm customers the State Farm people from the 'other claim' were absolutely horrible to my daughter on the phone. The accident was on a Friday, and the following Tuesday she received 8 calls from them wanting information or telling her what she had to do. She was so stressed out by all of this that I talked with them and made sure they understood they weren't to call her about anything else.
There were several different people that called, and the information was very contradicting. Like one person telling us to take the car in for an estimate on the damages, then someone else telling us not to take it to a shop and that it didn't matter if we took it in for an estimate on the damages that their estimator had to look at it, then a different person told us that we were supposed to leave it at the shop where the estimate was done...huh? I had already moved it by then.
Then once the estimator looked at it and told me that it was totaled, the people in the claims office told me it wasn't totaled, then another person told me it was, and then yet another person told me that it wasn't really decided that it was totaled. It took 3 days to get a straight answer. My dilemma at this point was... do I start looking for a replacement vehicle or am I fixing this one?
Once they decided the car really was totaled, the claim was transferred to the total loss department. It took a few days for them to make an offer, which I refused because I had already gotten estimated values from a couple of web sites my agent had suggested, as well as multiple private party ads for the same year/condition vehicle that were much higher. They took a full week to make another offer, just a bit higher than the first one. By that time I was so disgusted with the whole experience that I decided it wasn't worth it and accepted the (lousy) offer, and moved on to researching new insurance companies.
I have been with State Farm for over 20 years. I have had auto, renters and home owners insurance through them. I kind of expected them to go to bat for me in dealing with the other claim. I actually expected them to protect me and my daughter during this experience. Oh yeah, they were sympathetic & all. My agent did get them to extend the rental car coverage for another 3 days. I still had to pay for a rental car out of my pocket, and then had to borrow a vehicle for the rest of the time till the vehicle could be replaced.
What a nightmare. I am very disappointed. All of the State Farm commercials say "State Farm is there...". They imply that they (State Farm) will help you. Not in this case. I am definitely moving to another insurance company. I really don't want anything else to do with State Farm. What's going to happen if there's another accident? I feel like I'm just throwing my money away, like they won't be there for me when I need them.
LYNCHBURG, VIRGINIA -- I consider myself a responsible person -- adult, who has never been responsible for any motor vehicle accident. I have no outstanding parking tickets. I take pride in my excellent driving record. I take pride in my character. I will assume responsibility for what I must, but I am not so inclined to take responsibility, particularly financial responsibility, for something of which I am not guilty. For 3 years. For an automobile accident I did not cause on November 4, 2009. I will not be accused of something for which I am not guilty.
State Farm grossly erred in their conclusion of this accident. I made a video recreating the accident. This is not a heavily trafficked area. There is no obstruction of view. How many times must I say I was already in the street, preparing to shift gears from reverse to 1st? I was STOPPED!!! The commissioner told me I was at fault because I had pulled out of my driveway. How many times must I say my car had to come to a full stop, there was a little movement. It's the law of motion. BUT MY CAR WAS STOPPED WHEN SHE HIT ME!!!
In my video, my driver indicated she was going 15 miles per hour. The uninsured teen driver talking on her cell phone told the police she was going 19. Look at the video. Going 19 miles per hour would have alerted this young lady there was on-coming traffic. Me. My car. Already out in the street. Coming to a full stop preparing to shift from reverse to 1st gear. I was already in the street, preparing to shift gears from reverse to 1st, that my car had to come to a full stop. YOU CAN'T CHANGE GEARS FROM REVERSE TO 1ST WHILE THE VEHICLE IS MOVING! How many times do I have to say that?
How many times must I say the uninsured teen was on her phone at the time of the accident? That I went in my house and called the police and my insurer, State Farm, on my phone? We both gave the officer our license, registration and proof of insurance. After impact, it took 5 seconds for me to get out of my car to go to her. My first concern was her. Was she hurt? She was not looking at me. She was not looking for her phone or dialing a number. She was already on the phone. Crying. She knew. How many times? She was reckless in her operation of a motor vehicle. Is it so unreasonable to think a cell phone distracted a teenage driver?
I agreed she swerved. She had to. It was just too late. Her car made contact with mine. Her front passenger panel was dented. The driver-side bumper on my car was ripped off. Had I been moving with any speed or in any other position, a side panel on my car would have been impacted. I don't have a cell phone, but I have a multi-policy coverage with State Farm, but not for long. State Farm never returned my phone calls. We pay you. I would appreciate a reversal of your imposition of increased fees and premium, and a reversal of my damaged driving record effective immediately. But it will never happen because State Farm paid to have her car repaired.
I would appreciate a restoration of my excellent driving record, I would appreciate the removal of and reimbursement of funds resulting from the premium increase and any and all associated fees and funds due and owing me, and the removal of the 3-year penalty. I would appreciate the removal of this from my file, which would never happen because it would be an admission of guilt on their part. State Farm apparently supports cell phone use while driving, particularly from high school teenagers who lack enough responsibility to have insurance, but a cell phone. That is, until the laws change, then they'll be more aggressive with no-phone zones for drivers.
The insurance commissioner said they sometimes rule against agents, but couldn't give me a number. He said, "It happens sometimes." "Well, how often?" "Oh, I don't have that figure in front of me." "I bet it's less than one percent." He was silent and told me he wasn't going to argue with me.
On April 15, 2010, Good Morning America reported two days after speaking with the insurance commissioner. ** April 30, 2010 is National No Phone Zone. STATE FARM SUPPORTS RECKLESS BEHAVIOR BY UNINSURED TEEN DRIVERS TALKING ON THEIR CELL PHONES, NOT THEIR CLIENTS! I did not cause this accident. How many times must I say this?
CHATTANOOGA, TENNESSEE -- I was involved in a 3 car accident. I was sitting at a red light waiting to turn left onto a 5 lane road (counting turn lane). As I waited a red Honda Passport was at my right waiting to turn into the complex I was coming out of. A 1979 Ford truck was coming from my left. They both had green lights, the Honda decided he could make it and DID NOT! His tires had no tread and the truck hit him and that slammed him into me. We had just left State Farm Insurance after over 30 years because of 2 claims that were not our fault but were handled poorly (I'll explain after this).
They got our car to the body shop. The trucks occupants went by ambulance to hospital. The passport was OK. My back started hurting but I did not go, I went to drive a couple of days later. They start puling my car apart and after fighting about the glass that flew at me and damaged my windshield then glass flew all over my cars drivers side and scrubbed the top of the car. There were 2 places on the roof that were damaged and they said they would fix. We found more scrapes on the drivers side of my car from the glass.
They told me at first they would paint the top then after having someone come look at the car again changed their minds because they said my car had been painted before and the spots were not damage from wreck but paint plume. Something of that nature they say was a bad paint job and starts at the bottom were the metal is and just pops up.
I told the girl I'm dealing with there were no problems before especially on the sides where you could see glass had hit and slid down the sides. They "changed" their minds and were now not going to fix it. I told her that in no way am I accepting the car and she told me to get out of their rental. I said fine. We left them before this because of a flood. We bought a car and had it 1 month to the day and it was totaled in a flood.
There were many cars in our complex totaled and they instead of towing them to the auto makers were going to a field and would have "experts" from each make come look at the cars and decide what's wrong. They called and said our car needed new carpet and that's it. I asked them if they knew it went to the field on a tow truck, they said yes, I said don't you think a car that just needed carpet wouldn't have to be towed in? After that they sent it to Mercedes which said if we wanted to strip it completely and start over they would build me a new one. They then tried to price it by comparing cars with 90 to 160000 more miles on it than ours. They are a crappy company. I'm glad we left and wish we had done it sooner!