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.
PITTSBURGH, PENNSYLVANIA -- I have had State Farm insurance for over 10 years but recently having to work them has been an absolutely terrible experience.
My 2017 Subaru Impreza had electric damage due to a rodent chewing on the wires. The dealership recommended to replace the entire wire harness (standard practice according to my best friend who works in a car garage and also according to many sources online). State Farm Adjuster only wanted to solder the damaged wires to save about $400. I appealed the decision and was told to get a letter from Subaru. I did this and State Farm still refused to pay a few hundred more to repair the car to Manufacturer Recommendations. I have had to deal with rude representatives (I asked to talk to one agent's manager and he said that "he did not have a manager" and never documented our full conversation to cover himself), constant delays (State Farm representatives would continuously not call me back when they said they would). I eventually escalated this to a "Team Manager" in Pittsburgh (Denise Chandler) and she left early and gave the case to someone else. The representative (Employee ID: FEI9) blamed me for the delays as I appealed the decision and would not compromise in any way. I have now spent more money they would have saved on rental cars due to the delays. My car has not been repaired in over 2 weeks (my fault according to State Farm). I am now paying for the repairs myself to end this nightmare.
- State Farm has TERRIBLE representatives in the auto claim department (good luck if you need electrical damage repaired)
- State Farm does not have your interests at heart and would like to save a few hundred even when it makes no sense
- State Farm will not take any ownership of their faults and blame you (that's a poor corporate culture-issue)
- local agents may try to help you but have no real power over any claims and just sell a product
I have never had such a poor experience. I am writing this review as a warning because I wouldn't want anyone else to go through what I did.
BEND, OREGON -- I had been a customer with State Farm for several years. Recently there was an issue with our payments, and we were not aware of it. We received no emails or calls from the office to let us know the payments were not processing. When we discovered it, we called in to Greg's office and spoke with Sierra. She took a payment over the phone and told us it would take care of the past due and we would be notified in writing any additional amounts needed to become current. A week later, we received a letter from State Farm telling us our auto insurance was canceled due to too much time passing from payment due. It said to expect a refund. After waiting a couple weeks and me having sent emails to Sierra (which it does not appear to have been passed on), we received another letter in the mail stating our renters insurance was cancelled 2 weeks after the auto was cancelled. I emailed yet again to Sierra regarding our refund. She replied, in writing, that they just assumed we wanted to keep State Farm, and created new applications using the payment. We were never notified or asked about re-applying. As it was cancelled, we already went and purchased policies with another agency. The last communication from Sierra stated they will not correct the cancellation date, and would not return our money. I made 1 phone call to that office to speak directly with Greg, he was on another call, I was offered to wait, only to receive a call back if he was available later. I chose to call the toll free customer service line next. They were able to escalate my issue to a higher department. Today I received my first communication direct from Greg after communicating with Sierra (again, appears to not have passed on my messages or concerns). He made it clear that as we were no longer his customer, he did not want to waste his time with our account or fixing it. He was very upset I called the customer service without talking to him. I made 1 phone call, and 3-4 emails over 2 months, he never acknowledged me. He reiterated to ensure it was clear to me that I was no longer worth his time as we were no longer a paying customer. I called direct to the issues department using a direct number provided to me to update them on the situation.
I want to also note that I told Sierra early on that if they refused to refund my money, I would report it to the Bend Police department as theft. She made it clear they were not going to assist me any further. A police report was filed and validated. I was given a case number for this incident.
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.
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.
BLOOMINDALE, ILLINOIS -- I am currently undergoing an auto claim thru State Farm where my vehicle was involved in hail damage and flooding on July 21st, 3.40pm, and I am still waiting for State Farm to approve my claims for the damaged bumpers and shocks that were affected due to this major hail and flooding event that I experienced. I have been calling many times, and each time I call I get the runaround. Moreover, representatives are questioning the damages as if my story is unreal. State farm is handling this whole situation very poorly and at this point I am completely distressed with state farm's actions.
I had 2, 6-year-old kids in the car, it was hailing and flooding heavily I had trees falling in front of my vehicle and branches and trunks floating over the powerful water streams hitting my car. I was in fear for the kids' life as well as mine and had to drive forward, where I drove over tree trunk and bump them out of the way to get to safety with my vehicle, and instead of my auto insurance company (State Farm) helping me thru this devastating situation I am simply been mistreated and harassed.
I'm asking for a knowledge manager to please contact me regarding this matter as soon as possible. and every time someone calls they tell me the same thing! "This didn't happen due to the storm!" They have not given me not valid ground in why they are denying my claim.
BIRMINGHAM, ALABAMA -- I was in an auto accident on the 11th of one month. I was at a stop sign and had clear sight of no traffic coming from my left. The road had a hill to the left and the car was not in sight. As I proceeded through the intersection another vehicle came flying over the hill at an accelerated rate of speed. The area was residential where the speed limit was 25 mph on both roads. He struck me on my left rear quarter panel, the Jetta Sun around almost landing in a ditch. My left rear tire was bent into the axle. All the air bags went off.
When the policeman got there, the other person lied and said they were only going 25 mph. State Farm totaled my car and two months later I hadn't received the money. The other guy was also State Farm. He was in an older Accord. He received his money in 2 1/2 weeks. State Farm wouldn't disclose the total amount of damages. But when I called the body shop a few days later, he said he was up to about $3500 but had one more air bag to price.
State Farm wouldn't send an adjuster and took the body shop's estimate. They wouldn't send an adjuster to rate the speed of impact. Then they screwed up the car rental and it took repeated calls to finally get my money. The amount of damages couldn't have been greater than 70 or 75% of the value. I was very disappointed with my agent than with customer service.
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.
GARDEN GROVE, CA -- My husband was originally the only one that was insured by State Farm. My car insurance company ended raising my coverage due to mix up and it took forever for them to sort their error out. At the end, I opted to change carriers. I just didn't want to deal with the BS. I had my husband add me to his plan. That alone took awhile. To me, I would think they would love to have me added on to the plan. It ups the rates in-turn making them more money. So after about a month things were finally on track.
Then my mothers insurance was up for renewal and I told her that I would add her to the our plan since I was taking care of all those sorts of things for my household. I add her and the extra car on three months ago. Our agent quoted us a price and we were billed at a totally different price. It was crazy. My husband called and spoke to our State Farm Agent. He told my husband that it was an error that he would take care of it. He said to make our regular payment and that he would inform us of the balance due for adding a third car. Great, super, fine. We did as he said. We continued to call him trying to get the amount that was due for adding the third car.
No call back, no reply to any of the emails that I had sent. NOTHING! He (our agent) finally called my husband and said that all we needed to do was pay X amount and we would be fine. We asked if the third car was covered and he said yes it has been for the past month. So I sent of the check for the X amount and at the end of the month I receive a refund check with a letter stating that my insurance has been cancelled due to delinquent payment.
We called over and over and over. Got nothing, then finally a call back and the apologies of this went wrong and that went wrong. I was at the point of just tell me how much I need to pay to get all three cars covered. Again I was given an amount needed. I wrote a check for over $600.00. The very next invoice comes in and I open it to see what is due and my blood pressure went through the roof. I couldn't believe it. They were charging me to re-installment fees on all three cars. I spent the next four days trying to get a hold of my agent again.
On the fourth day I damn near lost my mind. I ended up calling Progressive and signing a contract with them. About three hours after I signed with Progressive my agent finally returns my call. He couldn't even answer my question of why am I having to pay additional money because he made an error; after I just paid over $600.00 last month. No answer, so I told him that he could basically kiss my butt and to cancel my policy that I was going with a different insurance company. I received a half ass apology, but at least I don't have to deal with them. Good neighbor, I seriously doubt that!!!!
I recently got in an accident where I got rear ended and pushed into the car in front of me. My car got the worst of it with rear and front end damage. I call my State Farm agent immediately and he tells me that I can file with him or them, but since the other driver is at fault, you should file with the other company. I do this and the other company files my claims and ask that I take it to a shop to have an estimate and take photos to send to them. I go to BMW since my car was recently bought.
BMW tells me that I should call my own agent to claim since the other insurance carrier wasn't too big. So I do this and this was the biggest mistake. One, my agent wanted to me to go to an "authorized" body shop. I had dropped my car off already and taken a $20 cab home. I told him I wanted it done at the dealership I bought it at with new parts and I'm not moving it. He agrees to send out a claims adjuster. Kept saying bodyshops are like McDonalds, all the same. Or its like a PPO, you need to go to a preferred shop. Moving on, he agrees to file the claim and send out an adjuster.
I told my agent and adjuster that I want brand new parts on my car. They estimate my car with used parts and say it is company policy and there's no law in Illinois that says it needs new parts so they go by policy. The difference is 1K dollars for the new parts and they tell me they are sorry, but I need to pay the difference out of pocket. I ask them if I am their customer and if they care about me or are they worried about making driver at fault insurers happy by sending them a bill for 1K less.
They keep harping that its policy. I speak to one representative that says she will call and ask the difference and see if they can get it approved. Then I don't hear back so I call another and this one says this is the difference and I need to pay for it out of pocket. Their estimate is done, it has used parts, and they will not make any changes to it. They also have the audacity to tell me that my car is used, so it needs used parts. That it needs refurbished 08 parts and if they have it they will use it b/c they don't make new parts for my car. I ask them if they didn't have't a refurbished part, what would they get to put on my car... classic response: a new part. This blew my mind.
So to conclude, instead of making me happy and going after the insurer that is at fault and collecting on everything, they'd rather not deal with it, close it out, and tell me I owe 1K out of pocket if I want new parts. This is my choice they say. This is ridiculous I say. Good luck to anyone using these losers, I will tell everyone possible that State Farm is terrible.