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State Farm Insurance Complaint - Typical Denial of Claims - Auto Insurance
Auto Insurance - Complaint
GEORGIA -- Recently, I have become involved in a dispute with State Farm over their coverage of an automotive accident. My attorney advised me that this company, on a routine basis, denies claims out-of-hand in order not to have to accept responsibility for the losses incurred by others (their insured.) That is certainly the case here. I am a former State Farm policy holder.
Because they sent me a survey that asked how far I drove to work, to which I responded: 15 miles each way, the next time my policy came up for renewal, the rate had increased over $700 per year. When I questioned the reason, I was told that it was just "policy" for the area that I live in. I just can't imagine why that hadn't occurred before.
Subsequently, I changed auto insurance carriers. My vehicle was involved in an accident and State Farm, as the responsible agent for the insured, is playing their true-to-form card - deny, deny, deny. During their course of denial, I am responsible for the rental car expenses, repair of vehicle and depreciation that will be involved with a new vehicle with less than 11,000 miles.
I am sincerely grateful that I had enough sense to see what was coming with this company. I am also grateful that I did not choose to move all of my other insurance coverages to these "wonderful folks."
I sincerely agree with most of the negative reviews on this site and would hope that all of the positive reviewers, that haven't had a claim, would take a look at their potential loss should they eventually have a claim - especially if they are a multipolicy holder with State Farm.
I would also encourage all of those under the guns of State Farm to report, any and all, discrepancies to the State Attorney General's office in your State. It is one way of insuring that, sometime, in the future you will not have been paying for insurance coverage and find out that you are now taken without regard.
Because they sent me a survey that asked how far I drove to work, to which I responded: 15 miles each way, the next time my policy came up for renewal, the rate had increased over $700 per year. When I questioned the reason, I was told that it was just "policy" for the area that I live in. I just can't imagine why that hadn't occurred before.
Subsequently, I changed auto insurance carriers. My vehicle was involved in an accident and State Farm, as the responsible agent for the insured, is playing their true-to-form card - deny, deny, deny. During their course of denial, I am responsible for the rental car expenses, repair of vehicle and depreciation that will be involved with a new vehicle with less than 11,000 miles.
I am sincerely grateful that I had enough sense to see what was coming with this company. I am also grateful that I did not choose to move all of my other insurance coverages to these "wonderful folks."
I sincerely agree with most of the negative reviews on this site and would hope that all of the positive reviewers, that haven't had a claim, would take a look at their potential loss should they eventually have a claim - especially if they are a multipolicy holder with State Farm.
I would also encourage all of those under the guns of State Farm to report, any and all, discrepancies to the State Attorney General's office in your State. It is one way of insuring that, sometime, in the future you will not have been paying for insurance coverage and find out that you are now taken without regard.
Comments:
Posted by GothicSmurf on 2007-09-28:
Insurance Guru to the rescue: Did state farm know that you drove 15 miles to work each way? Did you drop or add vehicles lately? Had you moved recently?
Insurance is rated on a few major things: Age of ALL licensed drivers in house. How far you drive one way to work. Your zip code. Your (and household) driving record. Your insurability (prior insurance). Type of car and type of coverage. If one thing changes, it can really throw off your whole premium.
Too bad all they said to you was, That's policy. Perhaps if they took the time to explain to you why they changed rates, you *might* have stayed.
Insurance is rated on a few major things: Age of ALL licensed drivers in house. How far you drive one way to work. Your zip code. Your (and household) driving record. Your insurability (prior insurance). Type of car and type of coverage. If one thing changes, it can really throw off your whole premium.
Too bad all they said to you was, That's policy. Perhaps if they took the time to explain to you why they changed rates, you *might* have stayed.
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