SAN DIEGO, CALIFORNIA -- My income has stopped. I thought maybe they are stuck somewhere like the rest of us. But what happened is State Farm does what they always do for me. They were there. They gave me different options on how to help keep my policy active. Also about 2 months ago one of our cars was involved in a collision. The driver admitted fault to the police and fire department. But their insurance was dragging their feet on paying the claim. State Farm claims told me that since I had full coverage they would advance me the money and get the car taken care of. And they did. Payments were made within a few days. There is no insurance company like them. They are genuinely like a good neighbor.
My wife was rear ended by a person that has State Farm Ins. They quickly tried to pay us for cosmetic damage without a full inspection of the bumper. They wrote a check and closed the claim. We had to reopen it, the problem is when their claimant hit my wife they ruined the transmission and it will not run. The car was in perfect running condition (3 years old) never been hit... State Farm refuses to pay the claim for the transmission. I am in the rare position with verification the car was in perfect condition. It was at the very same dealership for an airbag recall 3 weeks before. We have the full inspection of the car and all systems.
Now at 5 weeks the car hasn't been started??? Lost emails, computer problems... inspectors dispatched repeatedly anything to not be honest. It's very simple. Your client hit my SUV (full-time 4WD) hard enough their grill came off entirely (Mercedes SUV). It drove and now it doesn't. My wife wanted to be honest and not get a lawyer or claim medical. Always get a lawyer to fight this dishonest company. Next stop The AG.
MCALLEN, TEXAS -- I have been a State Farm customer for a long time. I had my house with them and my 4 vehicles. Hail damaged my 4 cars. We only claimed one because three of them only had minor dents and little white spots in the windshields. The one we claimed had major dents also with little white dots to windshield and a bulls nose that we had cracked the windshield all across and all above.
When I was getting out of my vehicle, the claim adjuster immediately told me that the windshield crack and permanent white dots that my windshield had were old and that I could not claimed them as "hail damage". This comment sparked a discussion of me stating "yes the windshield was broken before but not as broken as it is right now. As it is I have to replace it immediately".
He was arrogant/irritated. I responded that if he told me that my windshield was not going to be replaced due to it was broken prior to hail storm, I could understand that. But not to tell me those permanent white dots and the increase in the size of the crack was not due to hail. He stated that a lot of people were trying to get their cars fixed with the excuse of hail. We engaged in a heated argument and I left without accepting the claim. I called customer service to complain. I stated I pay 10,000.00 per year for home and vehicles for peace of mind. There are other insurances out there that charge me 5,000.00 per year or less for exactly the same coverage.
When I wanted State Farm to recognize that the windshield was further damaged with hail, I was just requesting the peace of mind that I thought I would have with a "reputable" insurance agency. The windshield costs $180.00 and state farm charges me 10,000 instead of the others that charge me $5000,00. I was not upset for the $180.00. I was upset because for all these years I have been paying so much extra money to discover I was enrolled in a lousy insurance company that is telling me that my windshield was not damaged by hail when it happened while I was driving my vehicle.
The manager stated, he had been working for State Farm for 30 years and he had a lot of hail damage experience and that it was very "strange" that down here in the valley the amount of windshield claims was much higher than in other parts of United States. That people were trying to claim other damages the vehicles had, into "hail claims". I responded that my coworkers were with other inexpensive insurances paying much less than me and they treated them very well, did not have any problems with their claims, and even had rentals meanwhile their cars were fixed. Some cars were even totaled and claims were paid immediately.
The agent proceeded to tell me that hail was "water" could not have damaged my windshield leaving those permanent white spots. I answered him that "water" had a different density and had a factor of velocity added to it. He stated, bottom line, hail does not cause "that" damage". The claims attendant, the manager, were rude, racist against the people in the valley, and arrogant. I feel I have been paying the extra $5,000.00 per year for a "peace of mind" that never existed.
Now I regret having been in State Farm for so many years. I feel I have been throwing my money away. Learned from personal experience. Moving to the "lot less expensive" insurance company and looking forward for the customer service they offer.
PHOENIX, ARIZONA -- I signed up with State Farm through my fiancee's sister who works for them. I also signed up for auto draft payments. After signing up they sent me a form via email to put my electronic signature on and send back for the auto draft. I did this. Next day I get an e mail saying they didn't receive it. I send it again. Again I get a request for the same form. So I figured it was due to sending it via my phone. I called my sister, had her get into my email and send it from a home computer.
I then called to verify they received it and was told yes.the next month I get the request again! So I emailed back and asked why I was being told to sign it again. We never received it... I happen to be driving through phx at the time so I told my fiancee's sister that I would stop at the office and sign it in person. She tells me no just email it. I didn't want to do that because they told me in the past we were good. Then I get an email saying they did receive it but not the attachment. Well the attachment wasn't what I had to sign. Anyhow I send it. They confirm getting it.
Next month comes and guess what I get in my email... so I emailed back and said that I've done this several times. The problem is on their end and I would rather cancel and pay more with someone else then be hassled every month. Then my fiances sister text me telling me not to be rude to her co workers that if I have a problem with my insurance go to her and how it was a computer error not theirs. I replied that regardless of her connection to me outside of her work, I'm still a paying customer and expect the service I pay for and that there is no such thing as computer error just error of the programmer.
Then a new problem arises. I needed a sr22 for my fiance to reinstate his drivers license. I text his sister and told her I need one asap. She doesn't get back to me. So I called the office. The lady was very nice but couldn't contact the underwriting department because of the time. She then reassure me she would call me back by Fri. Then I get a text from the sister saying they called her and he can't be on my insurance and if the other person underwrites my insurance they will cancel my policy to go to another company.
This insurance company was the biggest pain in my butt. also the staff apparently doesn't know how to separate business from personal life. Threatening to cancel my policy for adding one of their family members.. really!!! Anyhow I called Geico. Not only were they friendly they had the sr22 sent to DMV before we were off the phone, offered to assist me in getting a refund from farmers and it was CHEAPER!!!!
I understand that things like this happen, but this is about credibility and people knowing that they should be doing the right thing. About a month ago while out during my lunch break my car was 'dinged' by a car that parked next to mine. The ding was so big that while walking past the rear of my car to get to the drivers side I could see the damage. I was of course surprised and I looked at the parked car next to mine and there was a significant amount of the paint from my car (a huge chip of it) along with another minor amount of the paint on his door. The driver of the other car did not leave a note so of course I took pictures and contacted my insurance.
State Farm was able to track down the owner/driver of the vehicle using the plate information that was provided in the photos. Fortunately for me (or so I thought) was that he has State Farm as well. He denies being at the place of business where the damage was done. That lie didn't pay off as I have pictures of the damage as well as pictures of his license plate and the insurance company would have had no way to contact him otherwise.
Second, he was a no show to the appointment that he set up with State Farm to have his vehicle inspected. Gee, maybe enough time to have his door buffed out and my paint removed from his door? Long story short, they sided with someone who definitely lacked credibility and denied the claim stating that there were no witnesses. They also denied making a claim on my comprehensive insurance (to waive the deductible) because they said the damage was done by another car door, just not his car door. How convenient!
To a certain extent I understand their point. If there were no pictures, if the other gentleman had been more credible by not lying about being at the scene and had he shown up for his inspection I would be able to see how State Farm came to this decision. To me, State Farm was fighting to avoid paying out and I am the casualty in their decision. My State Farm agent did his best to have this decision reversed, to no avail. Unfortunately he lost a customer with more than one policy because his parent company wouldn't pay an $800 claim.
LANSING, MICHIGAN -- While I am not a fan of having to have auto insurance, I understand the need and respect the law. In a past visit with my agent to review my coverage needs all I heard about was him and how magnificent he was. I now know more about him and his family than he does mine. Not to mention he is a braggart who likes to talk about how many toys he has like snowmobiles and corvettes... He also thinks he single handedly fixed an issue with the local union (UAW) which I find incredibly difficult to believe since I know many of the people involved with the issue. I digress.
After my visit and approximately 7 years of prompt payments with no claims, I decided I wanted to switch insurance companies and started to get some quotes. This is when I found out there was "a lapse in coverage" which could not be true. The company I was having quote me indicated that according to their records, there is no coverage reported for approximately a one year period. I immediately called my "new best friend" (sarcasm) to inquire why my policy showed a lapse in coverage during said time frame and he indicated that was not the case.
Long story short, due to this so-called lapse in coverage, any new insurance company would have to charge me outrageous amount. The truth be told and I have not been able to confirm this but, in my opinion, my agent basically has me over- a-barrel because in order to switch companies, it will cost me more. Has anyone ever heard of this type of scam by the insurance company/agent to prevent their clients from switching companies? My next step is to just switch agents and see if that will somehow show my "new bff" what an ** he is... Not sure what my other options are.
I signed up for State Farm insurance early this year. In the second month of billing, my bill was increased to more than $300 per month, up from around $240.00. State Farm claims that I was notified of the pending increase by mail, but I did not receive it. They also have not provided the letter draft date or mail date, only reiterating that it was sent even though my preferred method of communication was listed as email. As soon as I saw that they had gone on my account without my permission I cancelled and I estimated what my anticipated refund should be. In the same cancellation email, I asked that they confirm and explain any differences to me.
This was never done and even though I cancelled on the same day the transaction hit my account, I only got $70 back. The short rate trap that they used to unethically profit for services not rendered was explained only after the fact of retaining most of my money and even then, the explanations changed based on my response. Basically, I paid $230 for one day of coverage in addition to the new insurance that I had to obtain. I will never use State Farm again and I would highly discourage anyone from getting involved with this company.
COLORADO SPRINGS, COLORADO -- Buyer beware, there could be company trouble. I have had State Farm insurance for my cars and home for over 20 years. State Farm just completed a car policy review and dropped us with little notice or explanation. Our local agent has been a family friend and admits that the company is dropping a lot of long time customers and he no longer can explain his lack of influence at the corporate level. We have had a total of 6 car accidents over this 20 year time frame and put in a claim on 5 of the accidents.
I am completely at a loss for how thousands of dollars in premiums over 20 plus years and only 5 car claims gets long time loyal customers dropped. I will be seeking a new company to move all my insurance products. State Farm appears to be cherry picking the policy markets they want to be in and long time customer loyalty means nothing to them. Consumers should ban together on this report similar incidents to their States Department of Insurance to keep this now dishonest company in check.