State Farm Insurance Complaint - State Farm supports uninsured drivers talking on cell phones!
LYNCHBURG, VIRGINIA -- I consider myself a responsible person -- adult, who has never been responsible for any motor vehicle accident. I have no outstanding parking tickets. I take pride in my excellent driving record.
I take pride in my character.
I will assume responsibility for what I must, but I am not so inclined to take responsibility, particularly financial responsibility, for something of which I am not guilty. For 3 years. For an automobile accident I did not cause on November 4, 2009. I will not be accused of something for which I am not guilty. State Farm grossly erred in their conclusion of this accident.
I made a video recreating the accident.
This is not a heavily trafficked area.
There is no obstruction of view.
How many times must I say I was already in the street, preparing to shift gears from reverse to 1st? I was STOPPED!!! The commissioner told me I was at fault because I had pulled out of my driveway.
How many times must I say my car had to come to a full stop, there was a little movement. It’s the law of motion. BUT MY CAR WAS STOPPED WHEN SHE HIT ME!!!
In my video, my driver indicated she was going 15 miles per hour. The uninsured teen driver talking on her cell phone told the police she was going 19. Look at the video. Going 19 miles per hour would have alerted this young lady there was on-coming traffic. Me. My car. Already out in the street. Coming to a full stop preparing to shift from reverse to 1st gear. I was already in the street, preparing to shift gears from reverse to 1st, that my car had to come to a full stop. YOU CAN’T CHANGE GEARS FROM REVERSE TO 1ST WHILE THE VEHICLE IS MOVING! How many times do I have to say that?
How many times must I say the uninsured teen was on her phone at the time of the accident? That I went in my house and called the police and my insurer, State Farm, on my phone? We both gave the officer our license, registration and proof of insurance.
After impact, it took 5 seconds for me to get out of my car to go to her. My first concern was her. Was she hurt? She was not looking at me. She was not looking for her phone or dialing a number. She was already on the phone. Crying. She knew. How many times?
She was reckless in her operation of a motor vehicle.
Is it so unreasonable to think a cell phone distracted a teenage driver?
I agreed she swerved. She had to. It was just too late.
Her car made contact with mine. Her front passenger panel was dented. The driver-side bumper on my car was ripped off. Had I been moving with any speed or in any other position, a side panel on my car would have been impacted.
I don’t have a cell phone, but I have a multi-policy coverage with State Farm, but not for long.
State Farm never returned my phone calls. We pay you.
I would appreciate a reversal of your imposition of increased fees and premium, and a reversal of my damaged driving record effective immediately. But it will never happen because State Farm paid to have her car repaired.
I would appreciate a restoration of my excellent driving record, I would appreciate the removal of and reimbursement of funds resulting from the premium increase and any and all associated fees and funds due and owing me, and the removal of the 3-year penalty.
I would appreciate the removal of this from my file, which would never happen because it would be an admission of guilt on their part.
State Farm apparently supports cell phone use while driving, particularly from high school teenagers who lack enough responsibility to have insurance, but a cell phone. That is, until the laws change, then they'll be more aggressive with no-phone zones for drivers.
The insurance commissioner said they sometimes rule against agents, but couldn’t give me a number. He said, “It happens sometimes.” “Well, how often?” “Oh, I don’t have that figure in front of me.” “I bet it’s less than one percent.” He was silent and told me he wasn’t going to argue with me.
On April 15, 2010, Good Morning America reported two days after speaking with the insurance commissioner. http://abcnews. go.com/GMA/distracted-driving-federal-enforcement-pilot-program-begins/story?id=10377741 April 30, 2010 is National No Phone Zone.
STATE FARM SUPPORTS RECKLESS BEHAVIOR BY UNINSURED TEEN DRIVERS TALKING ON THEIR CELL PHONES, NOT THEIR CLIENTS!
I did not cause this accident. How many times must I say this?