State Farm Insurance
Reviews and Complaints
State Farm
STATE FARM THE WORST INSURANCE COMPANY
STATE FARM IS A RIDICULOUS INSURANCE COMPANY, THEY ALWAYS DENY YOUR CLAIM AND YOU HAVE TO PAY FOR IT. IT HAS NO SENSE IF YOU ARE PAYING MONTHLY.
THEY DENY YOUR CLAIM EVEN THOUGH WHEN SOMEBODY HIT YOUR CAR IN THE REAR BACK OF YOUR CAR AND WHEN THE OTHER PERSON SAY THAT WAS HER FAULT, THEY ARE THE WORST INSURANCE COMPANY BY RATING.
I SUGGEST IF YOU HAVE THIS INSURANCE, THE BEST IS QUIT OTHER WAY THIS WILL BE A BIG PROBLEM FOR YOU IF YOU HAVE AN ACCIDENT THAT IT MIGHT HAPPENS. QUIT BUT AS SOON AS POSSIBLE.
State Farm keeps rates high, raised rates after first claim, and charges excessive fees
STATE FARM INSURANCE - Be Very Wary
A couple of years ago, my husband was dropped from State Farm (long story, but basically it came down to a typo with State Farm). When we called them to see if he could be reinstated, they told us no and we would have a hard time getting him insured anywhere (or it would cost a lot) because there was a lapse in coverage (State Farm notified us a few weeks AFTER they dropped him). Bull. I called my company, USAA, and they had no issues putting him on my policy that minute. Strike 1, State Farm.
In 2010, we filed a $23k claim. The neighborhood sewage line backed into our house leaving 4" of raw sewage. State Farm cut us a check for about $16k a few days after we called them and filed the claim. We thought that was great. However, that's where 'greatness' stopped. For the next 6-9 months, we got the run around. First we were assigned to the disaster team. We were instructed about how to file for additional money to rebuild our downstairs, which had basically been gutted. I did everything I was supposed to. I spent at least 40 hours on the phone with this team (and I work full-time).
About two months later, we were transferred to another team. They gave me contradictory instructions. So, again, I did everything I was supposed to. Eventually, towards the end of the claim (which was actually 9 months from the filing date), we were transferred to our local rep, who we never even spoke with about the claim.
We lost everything downstairs from the waist down- walls, floors, kitchen cabinets, everything in the bathroom, etc. We lived on slab for about 5 months. We lived without a kitchen for about 6 months. Why did this take so long? Because apparently no two groups- ***, no two people- are trained the same way at State Farm and real answers that get you the money you need to put your house back together are few and far between..
It's been over a year. We're almost done, just a couple things left. But we're 100% jaded.
So, here comes another claim...While I was traveling, I lost my engagement ring and wedding band. The police considered them stolen. So, I filed a report. I discussed the claim with State Farm. Again, there was misinformation and there was a lot of 'I don't know's on their part. I spoke with another agent that works for our real agent. According to her, insurance is a mystery to everyone. However, in this case, she said that the claim would be worth $2500 (about $2500 shy of what we expected based on what we were told when we got the policy). I said 'Ok, so our deductible is $1000, so that's $1500 left, right?' She asked a couple of times why I thought the deductible was $1k. I said, 'That's what it was when we filed the claim two years ago.' She agreed. As she kept talking, a few minutes later she interrupted herself and said 'Wait! Your husband's auto policy was dropped and your renewal was earlier this month. Your deductible increased to 1% of your dwelling coverage.' I wanted to ask what the auto has to do with the home owner deductible and why it increased, but she kept going on. She that since the deductible change didn't happen until Feb 25 20** (** days after the rings were gone), we could probably still get the $1k deductible. She had to call her 'liaison' to ask about it.
She called back and her story changed. Now the story was that the deductible changed on Feb 25 2011, not 2012. And this had nothing to do with the auto insurance being dropped. This had to do with filing a claim within the first year we had the house. She said there was a letter. We never saw it and believe me back then we looked at everything State Farm sent us (we were still in the middle of the sewage claim at that point). So, now we're looking at a deductible of $2013 and we'd get about $480 on the rings. I still wanted to pursue it because I was annoyed.
When we got the policy, we had been told that my rings would be covered under the home owner's, but only up to $5k with a deductible ($1k at the time). The rings are worth $5k. It didn't seem worth it to us at the time to get extra insurance. She denied this. She was the one who wrote our policy (that's news to me since I'd never heard of her before a few weeks ago), and she said she knew what she was talking about (though she certainly said 'I don't know' a lot).
She was suprised I wanted to continue with the claim. To me, any help recovering the value of these rings is better than nothing. I asked her what would be a reason not to file and she said it was a lot of effort for so little payout. Honestly, she's right, but why would I let State Farm get away with not paying, even if it is small? After all the crap I've been through with them? I did tell her I was frustrated and she asked 'with what?' and I said we really haven't had a good experience with State Farm so far. I told her how long the last claim took and the run around I got. She was surprised and said 'I've never heard of that! Usually they're processed quickly!' Bull. Our claim was transferred to their office. Of course, they know how long it's been since we first filed.
When I complained about the deductible change, she should told me that we were lucky that State Farm didn't revoke our coverage because the first claim was on a house we'd had for 6 months. She said most insurance carriers wouldn't have kept the coverage. Does that sound like a threat? Or am I supposed to be grateful that they didn't drop us, but continue to take our money? As I had her write the new claim, something dawned on me. I asked her what were the chances that we'd be dropped if we filed this new claim. She had no idea. I asked if there was anyone that might give us odds. She said no one knows. As I mentioned, insurance is a big mystery. Finally, the main agent came on the phone. He said that between us, he thinks they'd drop the coverage next February (one year). I couldn't believe this. I said that I'd had USAA in my last house, filed claims, and they never threatened to drop me, and they never raised my deductible. He said he knows USAA well because- get this- he uses USAA for his car. He even said he would have used them for his house except his house is too close to water. Wait- this man owns the State Farm office and he doesn't use his own insurance??? Then he said USAA cost twice as much as State Farm. First, this was his only response to my concern that we'd be dropped after a single claim? Second, um, not they don't. We got a quote from them shortly after the problems started on the first claim and they were about $20 cheaper/month. And his car insurance is cheaper with USAA. Anyway, I'd had enough and I asked that he tell the girl to hold off on the claim until I made a few calls.
We're going to call USAA again. We would have switched to them last year, but they suggested waiting until our claim was finished with State Farm to avoid making things more complicated with the claim. We just didn't know how long it would take (we still haven't closed the claim- it was a year ago in September). So far, they seem completely disorganized, slow to respond, don't notify you of changes, threaten when you get frustrated, and don't seem to have a handle on what's covered and what isn't. No, I understand they have underwriters that determine a lot of these things, but what exactly do the agents do if they can't answer your questions and don't like to help you? Oh, I guess they take the money?
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State Farm is sad and filled with woe
Edward Rust is no longer CEO
He had knowledge, but wasn’t in the know
The Board said it was time for him to go
All American Girl starred Margaret Cho
The Miami Heat coach is nicknamed Spo I hate to paddle but don’t like to row Edward Rust is no longer CEO The Board said it was time for him to go The word souffler is French for blow I love the rain but dislike the snow Ten tosses for a nickel or a penny a throw State Farm is sad and filled with woe Edward Rust is no longer CEO Bambi’s mom was a fawn who became a doe You can’t line up if you don’t get in a row My car isn’t running, “Give me a tow” He had knowledge but wasn’t in the know The Board said it was time for him to go Plant a seed and water it to make it grow Phases of the tide are ebb and flow If you head isn’t hairy you don’t have a fro You can buff your bald head to make it glow State Farm is sad and filled with woe Edward Rust is no longer CEO I like Mike Tyson more than Riddick Bowe A mug of coffee is a cup of joe Call me brother, don’t call me bro When I sing scat I sound like Al Jarreau State Farm is sad and filled with woe The Board said it was time for him to go A former Tigers pitcher was Lerrin LaGrow Ursula Andress was a Bond girl in Dr. No Brian Benben is married to Madeline Stowe Betsy Ross couldn’t knit but she sure could sew He had knowledge but wasn’t in the know Edward Rust is no longer CEO Grand Funk toured with David Allan Coe I said to Shoeless Joe, “Say it ain’t so” Brandon Lee died during the filming of The Crow In 1992 I didn’t vote for Ross Perot State Farm is sad and filled with woe The Board said it was time for him to go A hare is fast and a tortoise is slow The overhead compartment is for luggage to stow Beware from above but look out below I’m gaining momentum, I’ve got big mo He had knowledge but wasn’t in the know Edward Rust is no longer CEO I’ve travelled far but have miles to go My insurance company thinks I’m their ho I’m not their friend but I am their foe Robin Hood had arrows, a quiver and a bow State Farm has a lame duck CEO He had knowledge, but wasn’t in the know The Board said it was time for him to go State Farm is sad and filled with woe
The general public just doesn't realize how insurance works. As a claimant, you are not the insured. Only the insured has a contract with their insurance company. Therefore, the insurance company is legally bound to defend their insured. Unless the claim is extremely cut and dry and it's obvious who is at-fault, your own insurance company will take your side of the story and defend on your behalf.
When someone causes damage to your vehicle, with the proper coverage, you always have the option to file against your own insurance company. They have an obligation to defend you. That's what you pay them for. If you're the claimant, you're always better off using the company you pay and are contracted with. If your company pays, your company will investigate and subrogate against the at-fault party in order to retreive the monies they paid out on your behalf. They will also attempt to recover your deductible. Of course there are no guarantees all of the money will be recovered.
Bottom line, there is not an insurance company in the world that takes the claimant's statement over their insured's statement in a questionable claim especially when there are no witnesses. (Friends, relatives and passengers in your vehicle are not considered reliable witnesses). Finally, a police report is only a report of what statements were made. Unless the police officer writing the report was an eye witness, the report is only one tool used in the investigation and is not the final word. The insurance company makes the decision with their insured's interest in mind. Of course, anything can be fought in court and every insurance company will show up to defend their insured. That's just insurance basics.
They are trying to do the exact same thing to me right now.
Their client lied to them about the accident and state farm did not investigate it any further, they just assumed that the person making the claim is correct.
Obviously he is going to lie to get insurance money!! I even offered pictures of the scene if the accident but they do not care because they are to lazy to investigate it any further.
Ha! They tried to do the same thing to me.
Fortunately I was in a parking lot and there was a witness...........a video camera which proved their client hit my car. Now I just may report this as insurance fraud on their clients part.
At no time did they bother to come look at the damage to my car. Now they will pay twice as much and I will get my car fixed!