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State Farm - Racist Agents
Car Insurance - Complaint
Review by carrillogov on 2012-05-26
Rating: 
MCALLEN, TEXAS -- I have been a State Farm customer for a long time. I had my house with them and my 4 vehicles. Hail damaged my 4 cars. We only claimed one because three of them only had minor dents and little white spots in the windshields. The one we claimed had major dents also with little white dots to windshield and a bulls nose that we had cracked the windshield all across and all above.
When I was getting out of my vehicle, the claim adjuster immediately told me that the windshield crack and permanent white dots that my windshield had were old and that I could not claimed them as "hail damage". This comment sparked a discussion of me stating "yes the windshield was broken before but not as broken as it is right now. As it is I have to replace it immediately". He was arrogant/irritated. I responded that if he told me that my windshield was not going to be replaced due to it was broken prior to hail storm, I could understand that. But not to tell me those permanent white dots and the increase in the size of the crack was not due to hail. He stated that a lot of people were trying to get their cars fixed with the excuse of hail. We engaged in a heated argument and I left without accepting the claim.
I called customer service to complain. I stated I pay 10,000.00 per year for home and vehicles for peace of mind. There are other insurances out there that charge me 5,000.00 per year or less for exactly the same coverage. When I wanted State Farm to recognize that the windshield was further damaged with hail, I was just requesting the peace of mind that I thought I would have with a "reputable" insurance agency. The windshield costs $180.00 And state farm charges me 10,000 instead of the others that charge me $5000,00. I was not upset for the $180.00. I was upset because for all these years I have been paying so much extra money to discover I was enrolled in a lousy insurance company that is telling me that my windshield was not damaged by hail when it happened while I was driving my vehicle.
The manager stated, he had been working for State Farm for 30 years and he had a lot of hail damage experience and that it was very "strange" that down here in the valley the amount of windshield claims was much higher than in other parts of United States. That people were trying to claim other damages the vehicles had, into "hail claims". I responded that my coworkers were with other inexpensive insurances paying much less than me and they treated them very well, did not have any problems with their claims, and even had rentals meanwhile their cars were fixed. Some cars were even totaled and claims were paid immediately. The agent proceded to tell me that hail was "water" could not have damaged my windshield leaving those permanent white spots. I answered him that "water" had a different density and had a factor of velocity added to it. He stated, bottom line, hail does not cause "that" damage". The claims attendant, the manager, were rude, racist against the people in the valley, and arrogant.
I feel I have been paying the extra $5,000.00 Per year for a "peace of mind" that never existed. Now I regret having been in State Farm for so many years. I feel I have been throwing my money away.
Learned from personal experience. Moving to the "lot less expensive" insurance company and looking forward for the customer service they offer.
When I was getting out of my vehicle, the claim adjuster immediately told me that the windshield crack and permanent white dots that my windshield had were old and that I could not claimed them as "hail damage". This comment sparked a discussion of me stating "yes the windshield was broken before but not as broken as it is right now. As it is I have to replace it immediately". He was arrogant/irritated. I responded that if he told me that my windshield was not going to be replaced due to it was broken prior to hail storm, I could understand that. But not to tell me those permanent white dots and the increase in the size of the crack was not due to hail. He stated that a lot of people were trying to get their cars fixed with the excuse of hail. We engaged in a heated argument and I left without accepting the claim.
I called customer service to complain. I stated I pay 10,000.00 per year for home and vehicles for peace of mind. There are other insurances out there that charge me 5,000.00 per year or less for exactly the same coverage. When I wanted State Farm to recognize that the windshield was further damaged with hail, I was just requesting the peace of mind that I thought I would have with a "reputable" insurance agency. The windshield costs $180.00 And state farm charges me 10,000 instead of the others that charge me $5000,00. I was not upset for the $180.00. I was upset because for all these years I have been paying so much extra money to discover I was enrolled in a lousy insurance company that is telling me that my windshield was not damaged by hail when it happened while I was driving my vehicle.
The manager stated, he had been working for State Farm for 30 years and he had a lot of hail damage experience and that it was very "strange" that down here in the valley the amount of windshield claims was much higher than in other parts of United States. That people were trying to claim other damages the vehicles had, into "hail claims". I responded that my coworkers were with other inexpensive insurances paying much less than me and they treated them very well, did not have any problems with their claims, and even had rentals meanwhile their cars were fixed. Some cars were even totaled and claims were paid immediately. The agent proceded to tell me that hail was "water" could not have damaged my windshield leaving those permanent white spots. I answered him that "water" had a different density and had a factor of velocity added to it. He stated, bottom line, hail does not cause "that" damage". The claims attendant, the manager, were rude, racist against the people in the valley, and arrogant.
I feel I have been paying the extra $5,000.00 Per year for a "peace of mind" that never existed. Now I regret having been in State Farm for so many years. I feel I have been throwing my money away.
Learned from personal experience. Moving to the "lot less expensive" insurance company and looking forward for the customer service they offer.
Comments:
Posted by FoDaddy19 on 2012-05-26:
So at what point was the agent "racist"?
Posted by Ally on 2012-05-26:
The "valley people" in the location you speak of are not a race, just a community, so while State Farm may be singling out the area because of higher than usual claims, they are not racist. That being said, I don't think they treated you right and given what you have said about other companies being half the price while still giving satisfactory service I would have dropped State Farm long ago.
Posted by spiderman2 on 2012-05-26:
$10K for 4 cars and a house?? What kind of cars and what is the value of your house? My brand new car is $600 per year and my house is $600 per year on a 2K house with a swimming pool.
Posted by trmn8r on 2012-05-26:
I don't understand why you would pay TWICE as much to stay with State Farm (??)
I have two cars, a full sized pickup truck, and my house. I have State Farm and I pay about $1300 a year. I can't fathom how you could be paying $10,000 year.
What the adjuster told you is true - when storms like that occur, people (not you) will attempt to abuse the system and get repairs of preexisting issues. Same thing with accidents.
I can't see the windshield, but I can imagine an adjuster would have a hard time replacing a windshield with as you state a preexisting crack.
I have two cars, a full sized pickup truck, and my house. I have State Farm and I pay about $1300 a year. I can't fathom how you could be paying $10,000 year.
What the adjuster told you is true - when storms like that occur, people (not you) will attempt to abuse the system and get repairs of preexisting issues. Same thing with accidents.
I can't see the windshield, but I can imagine an adjuster would have a hard time replacing a windshield with as you state a preexisting crack.
Posted by clutzycook on 2012-05-26:
Holy cow! $10k/year for home and auto insurance? Even 5k seems really steep.
Posted by Chigrl on 2012-05-26:
Yes, it is only after a loss you find out how well or poorly you are covered by State Farm. They tell you, that you have coverage but calculate it very poorly and always in their favor. We changed after 12 years and one claim. They do not value their customers.
Posted by I love my son on 2012-05-26:
What kind of cars do you have, and house? I live in new jersey which has some of the highest insurance rates around..I don't see why you would pay that much more for insurance.. that's crazy.. Also please tell us where and when the agent was being a racist..
Posted by Anonymous on 2012-05-26:
1. There is no evidence of racism whatsoever. Prejudice and stereotyping maybe. Totally different ballpark.
2. With a preexisting crack, it would be next to impossible for any agent (let alone State Farm) to identify with certainty what damage was already there.
3. Hail not being able to cause the damage? Ask the agent to come spend a little time in Kansas during storm season.
2. With a preexisting crack, it would be next to impossible for any agent (let alone State Farm) to identify with certainty what damage was already there.
3. Hail not being able to cause the damage? Ask the agent to come spend a little time in Kansas during storm season.
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