State Farm Insurance - Page 3

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1.2 out of 5, based on 29 ratings and
84 reviews & complaints.
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Who Can Authorize a Rate Increase, a Local Agency or Corporate HQ?
Posted by on
Rating: 3/51
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?
     
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Unwarranted Cancellation of Services
Posted by on
Rating: 1/51
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 [snip] and they are based from the Lansing office.
     
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State Farm Insurance Refused to Pay Claim
Posted by on
Rating: 2/51
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.
     
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Good and Bad
Posted by on
Rating: 1/51
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 no. 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.
     
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Dropped After 30 Years
Posted by on
Rating: 2/51
HERKIMER, NEW YORK -- I have been a customer of State Farms for over 30 years I had a claim in 2008 when my roof leaked and caused damage in my home it cost them a little over 2,000.00, but then in 2011 I live by a college and college students damaged my pool which I put in another claim which was over 4,000.00 but the police found the person that destroyed the property and the insurance company was reimbursed. Then with 2 weeks notice they tell me that they will no longer insure our home.

Why do we have insurance? We have paid for insurance for years from our "good neighbor" not to hear "sorry your not longer insured". I would pull all my insurance from them the only reason I am staying with them for autos is because I have grandfathered insurance for my vehicle so the only way they can cancel is if we don't pay the payment, other wise, I would leave them in a heart beat. I would think twice and ask about their policies regarding cancellation.
     
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clutzycook on 2013-08-21:
I bet your car insurance will go up now that you don't have the multi-policy discount anymore.

With insurance companies, it's not about how loyal you've been to them or how much you've paid in premiums, it's about how much they've had to pay you. The bottom line is that they're happy to take your money, but they don't want to give you any of theirs. Two big claims like that (even though one was reimbursed, you still had to file the claim) in a few years would make any insurance company nervous.
John McGowan on 2013-08-21:
Even if my it goes up I will pay the premium cause they have full glass, emergency roadside, and so many other loaded things that it's still worth keeping
trmn8r on 2013-08-21:
I agree with clutzy insurance companies don't like multiple claims in a short period of time. The irony is it is better not to file a claim with an insurance company if it isn't something major. By major, I mean several thousands. You are in a gray zone, $2000 isn't exacly cheap.

I remember my mom had a $1200 claim for roof damage, and the insurance agent advised her it might be better not to file a claim and just pay it.

The moral I see is save your home insurance for when the house burns down or some other catastrophe occurs. I can understand that would be a hard pill to swallow.
john mcgowan on 2013-08-23:
Then why do we need insurance put the premium in a bank or safe deposit and save for your own catastrophe by now I would have enough to build a new home myself without the ins Co making a fortune on me and I get cancelled?
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Typical Non Payout for Hail Damaged Roof When Needed Full Replacement
Posted by on
Rating: 1/51
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 tornato. State Farms 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 dedutable 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.
     
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trmn8r on 2013-07-02:
My brother had a substantial roofing damage claim with SF after Hurricance Irene, and the adjuster and SF treated him very fairly.

You claim non-payment is "typical". What evidence do you have of that? If I felt that, I would look for a different insurance company.

How many shingles in a bundle isn't important. How much area a square covers, and how many square per bundle are.
melnmic on 2013-07-02:
he knew niether sir/mam and you cannot just change insurance companies and claim prior damage. and yes since this bad experience with SF I will be changing insurance companies
25 yrs in the biz on 2013-07-02:
I've never met a roofer who didn't want to replace a roof. That's how they make their money. Think about it. As for a patch job, well, an insurance policy is designed to replace the damaged area. There is absolutely nothing in the contract that requires they match your other shingles. You can file a claim in small claims court. You'll lose. As for how many shingles are in a bundle, doesn't make a bit of difference. How many squares is what is measured. That info is placed in an system called Exactware/Exactimate. That system calculates what is needed. Claims adjusters don't calculate based on look/see/guess work. Do you honestly believe a roofer who makes a living putting on roofs has estimated more roof damage than a company with over 81 million policies and over 30,000 claim representatives? I think State Farm knows a little more about roofs than your roofer.
melnmic on 2013-07-05:
OK THANKS STATE FARM REP
25 Years in the Biz on 2013-07-06:
You're welcome! Glad to provide you the much needed, free advice. There's lots more where that came from, just ask.
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State Farm Insurance is dishonest and the most greedy company in the country
Posted by on
Rating: 1/51
NEW YORK, NEW YORK -- State Farm Insurance is dishonest and the most greedy company in the country. They never recognize their mistakes, never pays for the damage properly. They protect only traffic offenders, but not their honest customers. They do not pay enough and easy violate the legal rights regarding thepayments. Stay away from them.
     
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Like The Grim Reaper State Farm Is There
Posted by on
Rating: 1/51
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.......
     
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clutzycook on 2013-06-15:
In situations like this, you really need a lawyer to light the fire under their behinds. My sister was injured in an accident last summer and if she hadn't gotten a lawyer, they would have screwed her over like they tried to do in the beginning.
trmn8r on 2013-06-15:
How is this related to a 2001 Ford?

Half of your complaint is about commercials. What are the actual details of how SF let you down? You had a head-on accident and you were almost killed. You got $18,000 for something (car, injuries, other?) Was fault assigned? What didn't SF do?

You made things "short", but as a result I have no idea what happened.
spiderman2 on 2013-06-15:
How much insurance coverage did you carry with them? If you only had minimal coverage then you will only get a minimal payout. Was the accident your fault of the fault of the other driver? If it was the fault of the other driver then you should be looking to their insurance for compensation. If the accident was your fault, the other driver will be looking to your insurance for payout first. Is the $18,000 a settlement of all claims or just the expenses that they have paid out so far? You probably ought to have a personal injury lawyer look at this if you haven't already settled the case.
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State Farm Says Stick It To Medicare
Posted by on
Rating: 1/51
HOMOSASSA, FLORIDA -- Went to mediation today could not believe when we were told take the lowball settlement wait a couple months and get medicaid to pay for your operation. They admitted the accident was their clients fault but are only paying so much because we live in a low income county. Don't think it's right that the tax payers should get the bill when it's their clients fault.. This is wrong in so many ways . And I would think illegal but their above the law and can basically do what they want .Just thought people should know who their dealing with if you have a claim grab your ankles cause it's going to hurt.

And you will have to come out of your pocket to get your own medical help or like they suggested defraud the tax payers and make them pay state farms bills.
     
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madconsumer on 2013-06-11:
by accepting the payout you did, waives your rights to future payments and closes the claim. this is how 'snake farm' wiggles out of paying what is owed.
trmn8r on 2013-06-11:
Who told you to take a "lowball settlement"? Your lawyer?

I am a fan of State Farm, as a long time customer, but in the situation you are in you definitely need a lawyer to advise you. I hope you had one.
Wondering on 2013-06-12:
Why didn't you turn this in to your own insurance company, let them do what you pay them for and then they will subrogate against the at-fault party. It's simple, insurance companies are bound to defend their insured. That's the contract. Your company would do exactly the same thing in a case where you were at-fault. That's how the entire insurance industry works. Study up.
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Quote
Posted by on
Rating: 2/51
WHITTIER, CALIFORNIA -- My son bumped into another car and there was no damage to either vehicle. But, the older gentleman said he was going to file a claim anyway. We drove my son's car to State Farm so they could see that there was no damage to our car. A claim was filed and the gentleman's car was repaired without us being advised of the claim repair, which if we had known we would have contested it.

When my son went to get a quote from another insurance company, the quote was very high due to this accident on his record now. When my son's record gets cleared of this accident we will be leaving State Farm. Their Customer Service SUCKS.!!!
     
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DebtorBasher on 2013-06-10:
What kind of repairs did the guy have done, if there wasn't any damage?
Adjuster on 2013-06-12:
First of all, you have no idea if there was damage or not unless the vehicle was placed on a lift and the bumper clips were and undercarriage was inspected. Clearly, there was damage or there would have been nothing to repair. Your son admitted fault, there's no reason to discuss this further with you. When you sign a contract with an insurance company, you hand over the right to make ALL decisions concerning claims. NO COMPANY WOULD DO THIS ANY DIFFERENTLY. Your failure to understand the insurance industry is not State Farm's fault.
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