ATLANTA, GEORGIA -- On October 28th 2013, I was rear ended by a 70 yr old guy in a brand new Buick LaCrosse. The damage was so severe that the truck lid was stuck shut, passenger rear door was buckled, whole quarter panel was twisted and the fuel tank vent system was breached. Many warnings lights was on, parking sensors malfunction, fuel tank system warning, etc. The car wasn't drivable.
The insurance carrier of the person that rear ended me is State Farm. I filed a claim through my insurance company (Esurance) and with State Farm. Esurance claims representative called me back and said he wanted to make sure State Farm is handling this because they're the party at-fault and is 100% responsible. While I cannot talk about the injuries I have per my attorney, I will tell you how State Farm handled the repair of my 2007 BMW 328xi.
I brought my car to North State Custom bodyshop in Bedford Hills, NY because they're trained and certified by BMW to repair their cars. I told them only OEM parts can be used to repair the car. I made it a point that they need to contact me and discuss before repairing the car as I know it doesn't look good. A week later I get a message on my answering machine from State Farm saying the car is repairable and it costs approx $9,000. I called State Farm back and like expected, no one picked the phone up and they want to have a voicemail left. Approx 2 weeks later, more damage was found during dis-assembly. The bodyshop had to make a supplement twice.
I called State Farm and again no one picked up the phone. I stayed on the line and demanded someone pick up this claim right now. The lady who read out my claim said my car was flagged for a total loss and it costs $13,600 total for the repairs. She went on to say she doesn't know why they repaired my car because it was supposed to be a total-loss and she doesn't know who authorized the repairs. I told her I need copies of all the documentation and records on this.
She kept telling me she's not authorized to do that and will have to send me to my claim representative **. Her position is total-loss department. I finally got through to her and she told me my car is only $900 away from total-loss but it was flagged for a total-loss. She said they use 75% rule to determine if the car is a total-loss. I told her the car blue book is only 12-13 grand. She tells me they don't use the "blue book" way and they have a different system of valuing the car. I asked her what the car's value per State Farm is. She told me they value the car at $17,300. I said why wasn't it not totaled then? "Because the damage is severe and there's frame damage."
She basically stonewalled me at this point and said because it's only $900 away from total-loss and went on to tell me it didn't meet the total-loss per the car age and value. Said they're taking 100% responsibility for this accident and handling this case, thus telling me good luck at this point. State Farm closed the claim saying there's nothing they can do about this now. Esurance has keep their claim open because the problem with State Farm is not resolved.
To date I have not received any copies of documentation and explanation on how they came up with that value of $17,300. I got a copy of the estimate papers and it shows that recycled and parts from a similar year model is used and new parts are substituted with aftermarket parts and not all parts are new.
A week later I got a call from my bodyshop saying my car is fixed. It was in the shop for over a month, it needed over 100 manhours to fix it. I asked them who authorized the repairs because I never gave the go-ahead and the car was supposed to be totaled. They looked at me like they're in shock. They told me the State Farm appraiser told them to go ahead and repair the car. I found out State Farm sent the check directly to the bodyshop, very disappointed no one contacted me about this.
I had to return the rental car and pick up my car, it was close to closing time at the body shop and it was a Friday. The shop told me the car frame had to be pulled back to specs and the damage was so severe that the car that hit me probably did not use any braking. On the drive home, I hear a whirring noise under the car. Sounds like a wheel bearing or the transfer case. When I go highway speeds, there's bad vibration. The car never did this before the accident.
I noticed there are areas of the car that was not repaired to the way it was before the accident, such as the trim on the top of the bumper has a slight curve to it and it wasn't like that before the accident. Also the gap between the trunk lid and the bumper is bigger than before while the top part of the trunk lid is flush with the quarter panels. The replacement battery they used in the repair of the car is smaller than the OEM battery.
On the morning of January 22nd, I turned the windshield defroster on and made a right turn getting onto the parkway, I heard a cracking noise a few minutes later. There's a long crack on my windshield starting from the bottom of the driver's side and runs all the way to the bottom of the passenger side up a slight curve. Upon examination of the windshield from the exterior, there's no impact point or damage that could have caused it to crack.
At this point I'm thinking since the frame was pulled, it stressed out the windshield thus causing it to crack eventually. I contacted Esurance about this and the claims representative told me they will contact the bodyshop and ask them if they feel the frame pulling has caused this to happen. I know the shop will try to play it down. I filed a complaint with the Insurance department on this already. I contacted my insurance (Esurance) and they're trying to find out who dropped the ball at State Farm. But so far no luck because State Farm is not returning calls. I told them (Esurance) they need to push harder and get State Farm to fix this because the car should've been totaled.
A customer of theirs backed into my sons car at a gas station. Got out of their car, gave my son their name, cell number and my son got the license plate. Before he could get any more info, this person left the scene. My son went to the local police station and filed an accident report. I called our insurance co. told them about this. The customer service representative checked on her computer and confirmed that the info my son gave her matched identically to what she saw as the owner of the car and that they are insured by State Farm.
A claim was filed with them. They have dragged their feet for almost 5 weeks without any settlement. Their customer never filed a counter accident report even though the police contacted them saying one was filed against them. They have 3 different stories that they have told. The simplest one, and the only one that State Farm seems to think is the best to support their side is their customer saying "I didn't do it."
Let me ask anyone out there reading this... have you ever gotten out of your car at a station and given a stranger there your name and cell number for just for the heck of it? Maybe this is standard practice for State Farm, not paying legitimate claims. I mean you need to get the money from somewhere to cover the costs of all those TV ads.
Here is the latest. The final lie from the person who hit my sons car and State Farm Insurance who is backing this ** you know what. He allegedly didn't have permission to drive the car so they are not responsible to pay the claim. How did he get the car, the keys and a credit card for the gas? Now I have to pay the deductible to cover damage caused by someone else while they and State Farm walk away scot-free and after 9 weeks of stringing us along.
KANSAS CITY, MISSOURI -- Last summer I got t-boned by a teenager driving her mom's car and who was visiting Kansas City. Luckily no one was hurt and luckily (or so I though at the time)... she had insurance. When I mentioned my accident to my fellow Officers at Leavenworth and told them I was glad she had insurance a few laughed because I mentioned State Farm... the phrase "don't hold your breath was used a few times".
At the time I will admit that I was pleased with the way they handled everything... not as expeditiously as USAA (my insurance) but oh well. Repairs were made, back driver's side door was replaced... and I thought nothing of their warnings until a few weeks ago. The interior locking mechanism for the door, a new part and one that had never failed in any of my doors before went bad. I use this car for work and drive to and from the base by myself... rarely do I carry passengers.
So, I called the repair shop that called State Farm so they would approve the replacement part purchase and installation. The repair shop called them and left messages 4 times until State Farm finally got back with me and told me that the part was no longer under warranty; it was normal wear and tear. I argued that the other locks (not damaged in the accident) did not go bad (original and working for 7 years) and that their part went out in 15 months and that they promise a lifetime warranty on the repairs. No luck.
So folks... if you get your car repaired under the "insurance protection" of this "honest" company... well just hope and pray something will go bad quickly... I would hate that something like your brake system, your steering, etc which you use normally, might go bad. It will take some work but I should be able to fix the part myself, but you don't want be going down the road and have the "normal wear and tear" bug hit you.
SF, CALIFORNIA -- I made the worst mistake by changing from AAA to State Farm. In trying to save some money I am now dealing with un-efficient State Farm employees. I transferred from AAA to State Farm May 2013. Unfortunately, my vehicle got vandalized (keyed). Following this incident I contacted my agent and he submitted my report online. The next day an adjuster was contacting me. After giving him all the information he schedule me to meet with an inspector at a State Farm location near my home. I did just that. The appointment wasn't even kept in its time b/c the inspector was busy. Why schedule an appointment, if the client is not seen in time?
Anyhow, he took photos of my vehicle, gave me a business card with the information pertaining to my claim. He informed me that someone would be contacting me the following day around noon or the latest 1pm. No call! I called today to find out what was going on so I can drop off my car to the shop for repair. To my surprised I was transferred over to the investigative department. Why? Because as my agent told me "they are doing this to you b/c your policy is new and you chose an out of network body shop. If you had chosen a body shop of State Farm, they would not be giving you any problems."
The lady that I spoke to was rude, and informed me that she needed to call me back to schedule a recorded statement. I don't mind at all. I was on the phone with her. Why not get it done immediately? To add insult to injury, she told me that because my car was drivable it could take weeks or months for this to get resolved. All the while my husband continues to pay for our vehicle's and renters insurance every month. So, I have to continue driving around in my vandalized vehicle with my children.
This is such an inconvenience and headache. Why should I get penalized for some scums actions? My husband and I also have to pay a deductible of $500. So, what's the hold up in the process? All I want is to get my vehicle repaired. Nothing more, nothing less.
INDEPENDENCE, MISSOURI -- I recently had my home broken into and had several thousand dollars worth of tools stolen. They literally almost emptied my garage other than the two pieces of equipment that take more than one or two people to carry. I contacted the police and made a report and also filed a claim with my insurance company, State Farm.
For some reason there was a delay on being contacted by the claims department because of interoffice computer issues. When the claim finally got to the claims agent it was a week and a half after the claim was filed, which was no ones fault necessarily, as these things do happen. But, what caught me so completely offguard was how I was treated and spoke to as a customer by a minimum wage mentally challenged representative of that company.
It started with a 2 1/2 hour interrogation about my life and the kind of person I was and my credibility, and in not so many words all but came out and called me a liar and a thief and worded it to say that I stole my own belongings out of my house to commit insurance fraud and collect a check.
As it stands now, I am filing a complaint with the state insurance commission and also let the insurance company know that I don't want a dime. They had their chance to make it right and handle my claim "fairly" and "in good faith" and once again they are the true crooks behind insurance fraud. If I don't pay my premium on their notice, they drop me. If I have an issue there's always a loophole or way for them to get around it.
Rest assured, it wasn't the first problem I had with them in the almost 20 years I was a faithful customer. But, I can guarantee you for me and my other 17 family members it will be the last. State Farm has committed insurance fraud and stolen from us for the last time. Anyone else that has a theft claim beware as they will try to word you as a liar and thief and try to get out of paying you before your claim has even been listened too!
JOHNSON CITY, TENNESSEE -- I had a 248,000 dollar policy through State Farm on my home plus 188,000 in personal property and they tried piece in my home back together when it was an 80 percent loss and they came up with every excuse they could not to pay. Offered me 70 thousand on dwelling and 24 dollar to clean my personal property. When my home had caught a fire inside an exterior wall they lied to me several times and I made it clear I would sue them. They thought they would get away with beating me for my home. I have 4 kids plus a wife. We have been left homeless for weeks at a time.
The adjuster Dewayne made jokes. He told me to I have an extra bed at my house and he started laughing at me. I don't see anything funny about it. I've lost everything I own down to the clothes I put on my back. It has really took a toll on me. My attorneys has fallen a United States supreme court lawsuit against State Farm. This see how funny it is. Now I'm asking for 1 million dollars for pain and suffering and for my home to be rebuilt and ill the work I've missed. I will not accept anything less than 1 million dollars unless federal judge grants me less but I have recorded everything they have done and the judge can hear this and I bought bet they will be taking to the cleaners and hope they learn they cannot rip people off that has paid them for their insurance.
State Farm insurance is not worth the paper it's printed on. Please watch out and take your insurance needs to an insurance company that will stand behind their policy. State Farm has awful reviews all over the internet. Please do your research before buying insurance from State Farm. My name is Chris ** and I'll show them better than I can tell them. Jonesborough Tennessee 37659
CONCORD, NEW HAMPSHIRE -- I contacted State Farm insurance (Ben Russo Agency, Concord NH) to purchase a policy for my Vacation Rental Home in New Hampshire. I was told by the sales representative the policy would cover tenant damage AND loss of rent if the property was not rentable for a period of time due to damage. I was assured that the policy was adequate so I purchased it.
I had damage, a lot of it, from very bad tenants that were there for 6 weeks, legally, in the off season. I notified the insurance company when I knew there was a problem. The second representative assured me that I was properly covered for damage and missing items as well as loss of rent due to them NOT moving out on time. What actually happened was State Farm adjuster told me that State Farm does NOT sell a policy suitable for the way I use that house.
They sectioned my home into at least seven claims. The living area, excluding the floor, and the basement bedroom, excluding the floor were the only 2 areas who's estimated damage exceeded the deductible. I filed both those claims and paid the 2 deductibles. I was asked to prove my rental rate: which I did. During the claim period I was contacted by Claims and told that they would only pay loss of rent for the time THEY estimated the repairs would take: 1 week each, which was inadequate. I was also told I would become uninsurable if I pursued the second claim.
I was told by Claims that THEY determined that the carpets in the claim areas were damaged at a different time so they were NOT included in the repair estimate and were 2 separate additional claims, not exceeding the deductible. State Farm then LIED and stated I bought a Seasonal Rental Dwelling Policy. My policy clearly states 12 months, credits me for a freeze alarm device as well as 2 reps assuring me I was covered. The personal property stored in the 2 claims sections was covered, less depreciation, but nothing else destroyed or stolen.
State Farm is UNETHICAL and DISHONEST Company. State of NH Insurance Division can find nothing illegal in the above, so I assume they have perfected the practice of screwing their policyholders by skirting the laws. I offered to accept payment for the 2 carpets, with no deductible, with depreciation without going thru the steps to publicly warn others, and the Agency said it was a Claims issue... But it was not Claims that sold me an INADEQUATE policy. My home has been under repairs since July 10, I have lost the entire rental season and still not in rentable shape, and State Farm is still balking.
MURFREEBORO, TENNESSEE -- State Farm Insurance Murfreeboro, Tennessee will start deducting money from employees paid check per State Farm survey.
In 2014 Murfreeboro, Tennessee, State Farm Insurance Headquarters's did a survey and decided that their employees where being paid more money than the national average. In the past this was a company who encourage the employees to get their licenses, etc to exceed and climb corporate ladder.
Starting August 2015 employees paid checks will see the first deduction over the survey amounts.
If the Level before survey paid 25,000.00 and then survey said it should be 20,000.00. There is a 5,000.00 difference. In 2015, 2,500.00 would be recalculated from pay check and employee would receive 22,500.00 per 2015. Then in 2016 the next 2,500.00 would be recalculated, leaving the employee making 20,000.00 per year instead of original 25,000.00 per year.
How would you feel if your company took money away from you that you had work hard to achieve for you and your family?
How would you feel if you transfer from other state to the Murfreeboro location and now getting a pay decrease?
Would you help State Farm customers to the best of your ability, after the company put the screws to you?
This is a lot to think about Dear Customers of State Farm. If you thought things were bad before, good luck future.
CORAL SPRINGS, FLORIDA -- State Farm was my first insurance company when I turned 16 till recently at 23. When I lost my job and had some issues it was sad to see how this office could not help me since they have collected thousands of dollars from me. My monthly payment was 430 when I first started and was like that for years in till going down to 200. I received the worst customer service from ** and now as I am no longer with State Farm I tell everyone that I can two things.
One stay away from ** office on sample and university because you guys do not give a damn about people. And two if you are with this office leave or transfer to another office. I have waited on a call for the agent ** and never received it. You guys may have dropped me but I will never forget to pass the message to my friends and family. Very sad when it is only about money and no customer service.
EVERETT, WASHINGTON -- Dec 22 2012 we left on a 28 day cruise, (50th anniversary) returned home Jan 17 2013. We noticed a big increase in propane, Feb the same thing. March 4 utility room floor was buckling. We then found a hot water pipe spraying hot water into the 8 inch insulation, which it melted. Called plumber fixed pipe. Called agent they had Servpro come dry out the crawl.
Two days later adjuster shows up he says "we won't cover this" (reason it's a maintenance problem) so we contact state insurance commission. What a joke. The CEO of State Farm he sends in another adjuster. "We won't cover this. It should be reported earlier (but we were not here)." End of story. I have been with this company 41 yrs first claim filed. Total bundled premiums 3K per year. This denial of coverage cost me 16K out of pocket. This company has many complaints against it in this state.