State Farm Insurance Informative - Deceived Into Admitting 'At Fault'
SAN JOSE, CALIFORNIA -- My wife was traveling on a California freeway when some debris was kicked up by a car in a neighboring lane and did some minor damage to the rocker panel and below the rear bumper. This was totally unavoidable.
I was a State Farm customer for 25 years. When on the phone with the claims agent, he kept on pushing that this was a collision. Well, it was a collision of sorts, but unavoidable and should be covered under 'comprehensive' not collision.
Well, naive me, I said okay, it's a collision. I trusted State Farm in that they would have my best interests in mind being a longtime customer with a minimal claim history and that this was clearly unavoidable.
Well, in a few days I get a notification that we were 'at fault' and this would blemish our faultless record. We were deceived.
Luckily I took pictures of the damage which clearly showed how it was impossible to avoid what happened. The 'at fault' was reversed. By this time I canceled all my State Farm insurance and went with another vendor. My local agent, who I had done business with for many years, turned out to be worthless and just hid in a corner.
The lesson learned: Don't give into the claims agent. Stand your ground if you believe the incident was NOT your fault. State Farm is NOT on your side and will place the blame on you if they can get away with it.