State Farm Insurance Compliment - Ease and speed of processing claim
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.