Anonymous
map-marker Sacramento, California

State Farm

State Farms insured rear-ended my car. I filed a claim, State Farm sent nobody out to look at the damages. The insured lied to the company and said I merged into the left hand lane, and that caused him to tailgate me and eventually hit my car. State Farm denied my claim. The damages were around $5,500 bucks. I took the insured to court and won. State Farm urged the insured to appeal and represented the insured. State Farm's lawyers tried to use intimidation to sway me, but was unsuccessful to deter me. I won the appeals and was awarded a higher amount that was owed. 2 weeks went by, and no contact about the judgement from State Farm or their insured. Therefore I filed a subpoena and a load of other paperwork to get a lien on the insured's bank acct. While the Sheriffs Dept. was serving the insured, State Farm finally contacted me to advise me to stop harassing the insured. I swiftly advised State Farm that I will take the insured back to court till I receive my judgement. State Farm was then willing to work with my, only after low-balling at first. With a little insistence, State Farm would finally overnight a check. Long story short this all could have been avoided if State Farm used some due diligence to analysis the damage do some research and payed for my damages. Instead they payed double the amount plus court fees. State Farm, like many insurance companies, are out for themselves and their motto "good neighbor" is a fallacy.
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4 comments
Guest

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

Guest

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.

Guest

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.

Guest

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!

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Anonymous
map-marker Montgomery, Texas

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.

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Loss:
$3
33 comments
Guest

I hate them too. Treated me like it was my fault because I had hail damage.

Left them as soon as my repairs to my house and car were done.

Guest

I am going to remain anonymous as I am still in the middle of a lawsuit with State Farm. I was involved in an auto accident with another driver insured by State Farm in 2011.

It truly was a no brainer that the other driver was at fault being that I was at a complete stop waiting to make my turn at an intersection and also that (thanks to my attorney) we discovered the other driver was vision inpaired (blind in one eye). According to State Farm, I was completely negligent only because their insured lied about the whole thing. I was left without a vehicle and they refused to give me a rental. I was also in a lot of pain and I was unable to get physical therapy.

I was basically left out for scraps. After several MRIs and X-Rays they found that I had 3 crushed discs which were protruding as well as a torn rotator cuff and needed to get surgery as I was suffering from terrible headaches and sharp pains in my neck. I also had a torn miniskus that happened several months later and could not be included in the lawsuit so I had to chalk that one as a loss. Since then I have had both surgeries which was a grueling task but thank God have turned out great.

We also went through a one week trial in court where they found the other driver 100% negligent and the case was won. This is 2 years in the making and it now appears that the defense is appealing after being denied a re-trial. I just was informed by my attorney that we are no where near a resolution and this is going to take a while. Why should I have to suffer when they clearly know that their driver was completely at fault?

I guess that's where the 3 Ds comes into effect. State Farm may think that I am going to get tired and possibly settle for less, well guess again State Farm. I want to be compensated and recieve what I was awarded by the jury in full.

Now even more than ever since you want to drag this on for as long as you could. State Farm Insurance is by far one of the worst insurance companies in the US and I feel bad for anyone that has to deal with them as I have.

Guest

Terrible. MY experience as having homeowner insurance with them was terrible, run for your life

Guest

I have been with SFIC for thirty years. Filed first claim three months ago.

Two weeks ago, they said claim was approved. Get second estimate to get car repaired. Called agent and guess what? We not going to repair your car.

They reopened the case and were waiting for me to call back so they could tell me. Does that make any sense? You do not tell a woman she is pregnant , then get to the hospital and say she is no longer having a baby.

Just poor customer service. If I had only known.

Guest

I was a State Farm policy holder for 4 years and never had a problem. They defended me when I was in a hit and run and the police tried to say that it was my fault..

THEN, I left State Farm and went to another insurance company that I love.

..Which is when this *** lady drove into oncoming traffic and totaled my husband's car and broke his shoulder. They have been stringing us along for two weeks. We both work a lot, so we both need vehicles.

He took my truck and I got a rental (which State Farm was to pay for).. they then changed their minds after I had the rental for TWO WEEKS and are going to make us pay for it. His car has been in a wrecker yard for these two weeks and we cannot get in contact with our agent to give her the VIN number. She is SO FREAKING RUDE.

I can't stand her. She has treated me like absolute dirt, along with everyone else that I have been in contact with. I am so tired of this run around. If it wasnt for your policy holder, I would not be in this situation in the first place so don't be rude!!

They are absolutely hard to deal with and it is stressful.

Long story short, if you are a holder - theyre great. If you are claiming against a holder - Good riddance, they suck.

Guest

I have had State Farm for over 30 years and have never had a problem. I have had a few claims, and they paid every penny.

If you don't understand your coverages, ask questions! :)

Guest

My husband and I have been with State Farm for over ten years and never had a problem – until my husband was involved in an accident. A woman pulled out in front of him on a frontage road and he collided into the passenger side.

The police report stated that it was HER fault. SHE was ticketed. SHE was charged with careless driving, failure to yield, and failure to provide proof of insurance. As it turns out she had State Farm as well.

Her policy must have been better than ours because State Farm fought hard to back her up. The woman denied fault and changed her story multiple times. It took over THREE months for them to reach a conclusion: that they were BOTH partially at fault. We are now in the process of suing the woman at fault and the D.A.

told us that we have a solid case. To make matters worse, every agent we spoke with at State Farm was terribly rude and knew very little about our case. This whole process has been a nightmare and we are in the process of switching from this horrible company performing organized crime.

State Farm is great… as long as you NEVER have an accident.

Guest

There are 2 sides to everything. Most people do not take the time to understand their coverages.

Those who are insured w/State Farm and had an accident, do you have collision or comprehensive coverage? Makes all the difference in the world if you are to be paid for vehicle damage. Those who have claims against State Farm, State Farm is defending their insured and make payments when liabilty is clearly established. This goes for EVERY insurance company out there, not just State Farm.

It is a nightmare having an accident and then having to navigate through the claim process especially if you don't understand what your coverages are.

Check your policies and listen to and ask your adjuster questions so you can better understand the process. Yes, I was an adjuster for another company and I was more than willing to help educate either party in the process they were going to have to go through.

Guest
reply icon Replying to comment of Guest-509573

Thank you, reading and knowing what is in your policy is essential. As I have read through a large portion of the complaints on-line, I noticed a great many of the writers are still incredibly angry even years after having left State Farm. One person claimed they would even like to use an automatic rifle at their home office in Bloomington. I can not know all the circumstances of the events, un-paided claims and dropped policies. Perhaps this stems from the agents themselves.

I have been with State Farm for over thirty years. I have only had one incident that would have caused me to leave State Farm completely, had it not been for another SF agent. I struck another car in an intersection after the driver had failed to yield the right of way and turned across my path. The light was green in my direction as I was going through. After the crash, the other driver sped away, (because he had no license, no insurance and did not own the vehicle). He broke into someone's basement to hide from police. He would turn himself in to police a few days later.

After a trial, and all claims were settled, I received my next bill from State Farm. My premium had risen quite a bit, so I called my agent. She informed me that because I had been involved in an accident that my premium would go up. I thought this odd as I had been paying for "uninsured". I knew another SF agent from a neighboring town who was a frequent customer at a store I was managing. I told him what happened and he agreed with me that my policy should not have been affected. I dropped my policy with the old SF agent and began dealing with the new SF agent. I have been with that agency since '94 and they have always handled everything to my satisfaction.

I have two homes, one vehicle and my wife's wedding ring covered by SF. My wife is one of those who does not like SF, and it has never been clear to me why. She is with Nationwide, and even though my agent has quoted her a lower rate, (even before the lower rate as my wife and the multi car discount, this would save on my policy if SF could cover her car). Two years ago we purchased our second home. We needed coverage for the closing, so I called my agent and she called her's. I was able to handle the policy via the phone, while, to my knowledge her agent has not yet returned her call.

In short, know your policy and know your agent.

Guest

I work for a body shop, take it from first hand when dealing with insurance companies... The worse BY FAR is state far when it comes to quality of repair and from a deductible standpoint.

Best? USAA hands down.

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S B Kie
map-marker Anchorage, Alaska

State Farm keeps rates high, raised rates after first claim, and charges excessive fees

After more than 20 years of combined home and auto policies (at any given time, between 2-4 policies) with zero claims and zero moving violations, I swiped the side of my car on an object as I was backing out of my garage. No accident involving another vehicle. No violations. I just didn't see something sticking out too far as I backed out of the garage. The total cost of the repair is less than $2000.00. After those many years of taking my premiums, State Farm is raising my rates because of the One claim. Furthermore, despite our vehicles aging 11 and 6 years, our rates Never go down. Adding insult to injury, we are charged an added fee of $3.00 per vehicle for each payment. The premiums are not enough. We get to pay extra for the privilege of paying them. Insurance companies are like the Mob. We pay for protection but if we ask them for anything, they will break our knees. In the meantime, they continue making profits in the billions despite natural disasters like Katrina, terrorist attacks like 9/11, and the economic downturn. The entire industry continued and continues making record profits through it all. And profit isn't enough. They want More and More profit, and they get it by cheating consumers. It isn't only health insurance companies in need of reform, people. Without regulation reform, when one company successfully rips us off, all the others follow suit. When they all engage in the same practices without negative consequences, there can be no competition so there is nowhere for us to turn for a fair deal. For 15 years the insurance and credit card/banking industries have been playing this exact game, shamelessly increasing unethical practices to the detriment of all of us. Finally, the finance industry crashed the world economy so it is facing reforms (even as it rapaciously makes every effort to get it around them), but the property and auto insurance industry continues on unrestrained. Everyone should start writing and hounding our legislators until they do something about this industry too!
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2 comments
Guest

The fact is that they need to change the way it works! Increase premiums, but when it is time to pay a claim deny or raise rates to cover the claim.

:( There is no excuse for these type of business practices. If insurance fraud is such a detriment, then you as an insurance company have the resources to pursue its prosecution as opposed to breaking the backs of the working class by increasing rates. Burn in *** as a matter of fact.

The only reason that you dishonor customers is because it is the law for us to have health insurance. I wish there was some type of universal auto care that would increase competition for you and put you out of business.

Guest

Regardless of the age of your vehicles, the price to repair them never goes down. The cost to pay the other party that you may injure or cause damage to their property never goes down. The cost of rental cars never goes down. The one little section of coverage you carry that takes care of replacing your vehicle does go down as the vehicle ages. Please look at your policy and read the coverages. It's not all one coverage for the same thing. Separate coverages cost separate amounts.

The price increase you're experiencing is the fact you had an at fault accident regardless if another car was involved or not. As a result, you lost your accident free discount. That's not a rate increase, that a loss of a discount.

As for the $3.00 charge...if you would look at your bill you will see that charge is there because you choose to break your full 6 month premium up into monthly or quarterly payments rather than paying the entire bill. That's your choice and you choose to pay the extra for the privledge of making smaller payments.

To add a little more info to your observation of insurance companies and regulation, insurance is one of the MOST regulated industries in the world. You're just not informed or educated as to how it actually works.

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JM Wwb
map-marker Virginia Beach, Virginia

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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1 comment
Guest

You are SO right about State Farm! They do NOT notify you, NEVER return phone calls; the Florida Agents I've "had" to deal with know NOTHING, lie, & just screw things up - and mess up issuing policies and KEEP your money!

You CANNOT trust a LOT of these Agents or Agencies. They are not professional and don't know what they are doing! Then, we get the raw end of the deal and they act like it's "our fault". I have SF on another home in another State and they are GREAT and do NOT act like the one's in Florida. Was the training in Florida severely lacking? I think so!

They have had $800 of my money they STILL have NOT returned to me, PLUS they cancelled our Policy they had just issued to us because their Agent did nothing but screw up. Talk about inept! How did some of them even get licensed? We, as consumer's pay the price for their lack of knowledge and constant mistakes.SF Florida is UNREAL. I know they lie a lot on the phone just to try to get themselves out of a jam, but I am not "that dumb". The Attorney General & the Insurance Commissioner's and BBB will be getting my complaints.

Good Luck to you. You'll need it and so will I....SF is use to taking people's money & then not paying for claims or cancelling insurance. It's their way of making even more money! SF will also do anything they can to CANCEL a customer's policy and they could care less about you, their customer - many who have been with them for 30 or more years!

Consumer's need to be VERY wary of STATE FARM!!!!!

Anonymous
map-marker Milwaukee, Wisconsin

Dog owners -- do NOT buy State Farm insurance

State Farm canceled our homeowner's policy (after 30 years with the company & no previous claims!) because we filed a claim for a very minor dog park incident. The other dog owner agreed it was just an accident typical of 2 dogs at play with a toy & one received a small cut that needed a few stitches, but we thought we'd be "good neighbors" and offer to pay some of the vet bill. I never should have submitted the tiny claim. Now State Farm refuses to provide us with homeowners unless we get rid of the dog. We have been treated TERRIBLY by State Farm. Any recommendations for a better insurance company that will treat vicious dog attacks differently from very minor incidents?
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3 comments
Guest

You are upset that State Farm is asking for you to get rid of your dog that was involved in an attack that resulted in another pet needing vet attention? First, State Farm is one of the fewer insurance companies that will insure dogs without regard to breed, they are however a conservative company and it is their right to review your policies when claims like these come in. Some companies if they will even insure you ask the same or exclude the dog.

You thought you would offer to pay? You mean you would try to not pay and try to get your insurance to foot the bill for your dog? It sounds like you we're trying to get a speedy resolution without any out of pocket expense, not impressed.

Good luck getting new insurance, most applications that allow pets ask if the dogs in the household have been involved in incidents and unfortunately will disqualify you for many top rated insurance providers in your state.

Guest
reply icon Replying to comment of Guest-625605

You turned a play injury into an attack! There is a huge difference.

Guest
reply icon Replying to comment of Guest-1005119

The poster gave you excellent advice that was exactly correct. From that advice, you took offense with the word "attack"?

A *** is a ***.

It makes no difference if it was due to defense, an attack, done during play or any other reason. The fact is your dog caused injury to another dog. You decided it was the insurance company's problem.

The insurance company decided you have a risk they don't wish to continue being exposed to. I agree with them.

Your attitude and response shows your lack of understanding of the danger and risk you bring to yourself and others by refusing to accept the risk your dog poses.

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Anonymous
map-marker Beverly Hills, California

Juan Diaz ripped me off for $206

I started my insurance policy 9/14/12 9/23/12 I needed a tow because my car was vandalized, I was told my policy was in the system as home insurance only & there was nothing they could do for me. I cancelled my policy immediately but it didn't process until 9/25/12, they assured me I would get a refund within 7-14 days, I call yesterday & was informed there is no refund check due to no valid reason. State Farm needs to investigate the agents that are working for them because not only did I have to come out of my pocket for a tow & new tires that were slashed but also now I'm not getting any of my money back & this is completely unacceptable
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Loss:
$206
Anonymous
map-marker Herndon, Virginia

State Farm Insurance Agent In Dallas Texas

Please, do not do business with agent BETH RUMPH @ State Farm Insurance in Richardson Texas. Her most experienced employee of 23 years was let go by Beth last week. This is a travesty and I plan on removing every policy I have with her agency because of this. I have already learned that several customers have pulled their business from her and there will be plenty more leaving also. This employee was so knowledgable with State Farm products and the NICEST employee of any company I have ever met in my life. I always wondered why this employee stayed with Beth for so many years because I have never heard anything positive about her. No other employees would stay at this agency except the one she let go last week. The employee turnover has been unreal but the head people at State Farm have no idea about how this woman runs her business!!!!!! They need to find out!!!!!
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1 comment
Guest

Agree, Just found out and I too am going to leave Beths office. Beth, you just called me and left a voice mail so you figure out who this is. It will be easier once you see my cancellation.

TRACY, WHERE DID YOU GO???? If you are with another insur co please respond somewhere that I can find so I can see about switching.

ANOTHER PISSED CUSTOMER, I always dealt with Tracy!

Anonymous
map-marker Tampa, Florida

Makes auto policy and cancels next day for no reason

I have made a mistake and switched from X to State Farm because they offered a bit lower price and I have been brainwashed by their advertising about better service. Now I'm receiving a new policy mail and another mail the same day about policy cancellation! They state something like not being able underwrite because of license issued less than 36 month ago and because spouse is not licensed. But they had exactly the same information in the initial application, all relevant personal data, etc?? Obviously it looks like a company that don't know what they are doing, don't care about waisting customer's time and don't mind making false promises.
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Loss:
$300
1 comment
Guest

First of all this sounds like a fraudulent claim, secondly when a policy is written by State Farm it is assigned a temporary policy number until you receive your permanent I'd cards, you need this real or permanent policy number to file a claim. This seems as oversight and an unfamiliar staff person rather than n issue with State Farm not affording coverage. Again rank top on jdpower for claims satisfaction.

Zachary S Src
map-marker Hoboken, New Jersey

State Farm Insurance Won't Pay Claims

State Farm is by far one of the WORST insurance company's I've ever had to deal with. I live in Branford, CT and we got hit by "Hurricane Sandy" lost power for (4) days. We had to stay in a hotel in New Haven, CT which is about (5) miles from Branford until the power was restored. In addition we lost about (100.00) in food; between the cost of the hotel stay for the (4) days and the food lost we were out (973.00). State Farm refuses to pay any part of our claim; As a matter of fact they did the same exact thing last year when we got hit by "Hurricane Irene" where we lost power for (4) days and (400.00) in food. All other major insurance companies in CT ie (All State, The Hartford, Travelers, Geico) waived the deductible for their customers; but NOT State Farm. They are so *** greedy and heartless that they refuse to show any compassion for their customers. So I'm dropping them IMMEDIATELY and will never do business with them again ever nor would i recommend them to anyone. Highly Disappointed, Zach Smith
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Loss:
$973
2 comments
Guest

Why would you 'have' to stay in a hotel? We all lost power and sure as *** didn't get the luxury of being in a hotel.

That's an unnecessary expense. And regardless, it has nothing to do with your policy.

Guest

Are you kidding me? You really, honestly believe that you get a huge rate break for carrying a higher deductible and you think an insurance company should just "waive" your deductible?

No way. How about they just waive your deductible and then you pay all those premium dollars back?

You are not seeing other companies waive a deductible. You're seeing other policyholders who have much higher losses than you and the TOTAL of the losses have far exceeded the deductibles.

That's why they're getting paid. Making claims for these tiny amounts is only going to get you cancelled. Insurance is for major claims, not for $400 here and $900 there.

By making those claims you've caused yourself to have a hard time getting coverage elsewhere. When the other companies run the "CLUE" report on you, you're going to be denied a policy or your rate is going to be outrageous.

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THG
map-marker Buffalo, New York

Claim denied

State Farms insured backed into my sons vehicle at a stop light and then fled the scene. The light turned green and she didn't move. My son tooted and she then backed into his truck. She then fled the scene. My son gave chase and luckily got her plate number. She was located later that day by the police at home where she told them that my son had hit her fom behind. Obviouly coached by her parents in how to get out of this by lying through her teeth. This is the same story she told her insurance company when they contacted her because our insurance company contacted them. Who would believe that a person would flee after being hit from behind if they were not the one that did the damage. Would you not imediatly get the persons information that hit you from behind to get your car fixed or woud you flee. State Farm Insurance denied our claim for no good reason other than they can do it and get away with it. I will never EVER buy or recommend them for any reason due to the way they handled this incident. State Farm both sucks and blows.
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Loss:
$800
3 comments
THG

Spoken like two insurance agents. Why would a person flee the scene if they are NOT GUILTY????

I call ***. As Judge Judy would say... if it walks like a duck & quacks like a duck, it's a duck. She lied and her insurance company is playing the same card they always play...

deny all claims. If you can't get away with that, make a lowball offer, if that doesn't work see if they take it to court. If they take it to court, pay the claim.

Insurance companies are theives. We will be in court.

Guest

I definitely feel for you. Nothing makes me as angry as when a guilty party lies and is not held accountable( not yet anyway ).

In this case State Farm did exactly what your own or any insurance company would do and with good reason. No insurance company is going to ignore the statement given by their insured unless there is a good reason to do so (i.e., unbiased witness).

I always tell my customers to stop far enough behind the car in front of them so they can see the rear tires touch the pavement and I also tell them to find a witness if they can do so safely.

Guest

The insurance company you have a contract with is there to defend and protect you. That's what you pay them for.

Every insurance company is held to this obligation. Your insurance company would do exactly the same for you. Period. Unless you have non-biased witnesses, it's always your word against theirs.

How are they to decide anything other than what the two parties tell them and the damage to the vehicles without other actual evidence? Sounds like State Farm did exactly what they're hired to do.

Your only recourse is to take the driver to small claims court. There a judge can made a decision based on who the judge believes rather than a contract they are bound to defend.

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john s Ewx
map-marker Hays, Kansas

Statefarm wont drop coverage

We paid off our house in December and told state farm then 4 month later sold the house. we at that time switch insurance coverage for new home and all autos to another company in new town 50 miles away. The where told when to stop coverage on home and autos. The autos sent refund check for remaining amount. But they keep sending us a bill for the home we no longer owe and say it still has a mortage on the home. They been told but now sent text saying we have failed to pay the bill and coverage will be dropped and turned our lack of paying into credit agency. They were upset when told them we where switching companies since then they have been a pain. what to do?
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Loss:
$1500
Anonymous
map-marker Green Bay, Wisconsin

Ad concerning internet

I find this ad that demeans women very offensive. If I had State Farm as my insurance I would canel it. I am a 70 year old woman and if it offends me, think what it does to younger women. I don't see an equal ad making men look so *** and flakey. You should fire your advertising agency and department head that approved this slur on all women. This is an attitude that should not be put forward to the public, and by a well known company doing it, it encourages this attitude. I think you should cancel the ad and issue a public appology for the insult to women.
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Anonymous
map-marker Ventura, California

Dropped Coverage for Thefts

State Farm- I received a notice via mail yesterday that State Farm is dropping my condominium owners insurance policy due to claim activity. In the past year, we had a series of thefts from our garage which were reported to police and state farm. On one occasion, in cooperation with the police department I was able to find and recover my stolen items I found for sale online, and informed and mailed State Farm back the money. In addition, in over 10 years with State Farm, I have never had to make any claims against our two insured cars or any other claims against my homeowners policies. As such, I am deeply offended and angered by State Farm dropping my policy. I feel this shows a blatant disregard for mitigating factors out of my control, and a lack of faithfulness to a good customer. I will be cancelling all my policies with State Farm and going elsewhere, unless you are able to make this right by restoring my policy.
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7 comments
Guest

Quite frankly, the insurance companies are based on fraud. They claim to be "a good neighbor" or whatever other ridiculous slogan they can come up with, but, do everything in their power to not provide the service they are selling.

Everything is wonderful as long as you are paying their fees with no requirement for the service you are paying for. Everything changes when you actually require the service you have been paying for. State Farm was called out to our home to assess damage from ice dams. This was one claim on one roof on our one home, but, State Farm split this into 2 claims based on their own technical ***.

They then used that as the basis to drop our homeowner's policy after 8 years with no claims up until that point.

Really?? Sounds like our "good neighbor" isn't so good after all.

Guest

To Btb: Insurance is designed to help you recover from a devastaing financial loss or catastrophe. It is no way designed as a maintenance agreement nor is it there to handle numerous small claims.

(I shared the statistics with you as to what is considered above average or high risk). Yes, carry a large deductible and pocket the savings. Use your savings to pay your little claims. Otherwise suffer the consequences as you clearly are currently doing.

I am in the insurance industry and have been for over 24 years.

I'm trying to offer you solid advice. Take it or leave it.

Guest

Why have insurance at all then Observer? Seems like you might be an insider at SF?!

Pay everything $2500 and under is ridiculous, we might as well be self-insured and get a discount for everything over $2500 policy then. Pretty *** statement.

Guest

Insurance coverage is based on risk. You stated you had a "series of thefts".

Statistically, homeowners have one claim every ten years. If you had more than two losses in a ten year time frame, you pose a larger than normal risk to the insurance company, any insurance company. You are going to find it costly and difficult to find another insurer who will want to take on the risk you pose. Also, keep in mind, it may not be your "fault" that a loss occurred, but you always have the choice NOT to involve the insurance company.

Don't ever turn in a claim that amounts to less than $2,500. It will only come back to you in the form of rate increases or, after a "series" of them, cancellation.

Guest

I'm not at all surprised by your experience.

Connie P Jdk

They are so so wonderful. sorry guys i guess that is want they want me to say. this site a joke

Connie P Jdk

State Farm is not like it used to be. We had wind hit our roof they sent some one out, they was dumb for us.

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sillyscarborough P
map-marker Chatham, Ontario

State farm insurance company

What kind of an insurance company won't insure people at all who have had a fire? It is not like we have one a week, it was one in 17 years of living in the same house. Not deliberate, but an accident. That is great. DON'T GO WITH STATE FARM. We are renters. Our only error was no contents insurance. After the fire family and friends helped us immensely. If it were not for them I do not know how we would have survived. In my opinion if it was not arson, than there should be coverage. It is scary for us because we have to wait for five years now for coverage from state farm. And so as a result my husband and I are looking elsewhere.
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2 comments
Guest

They use people's premiums to sponsor show business events, especially Latina Events, like Premios Juventud, Hispanic Choice Awards, etc etc etc. They should just be up front with it: We are in show business; we are not in the business of compensating people for their losses or if they are injured.

BUNCH OF LITTLE RASCALS. THEY COULD GIVE A FLYING --- ABOUT YOUR LIFE.

DON'T GIVE THEM ONE CENT OF YOUR MONEY. BUNCH OF SCOUNDRELS, THAT IS ALL.

jb Agy

"And so as a result my husband and I are looking elsewhere."

That's what State Farm wanted you to do.

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feedup B
map-marker Austin, Texas

State Farm Insurance treated me like a liar and a thief!

My home was burgarlized in September 2012. State Farm took 3 months to finalize my claim because the following steps had to be taken: 1. I had to be interviewed in my home by a State Farm special investigator. She came to my home, interrogated me for at least an hour (I had to tell her enough was enough) and took pictures of every room in my home (including the items in each of my closets). She also took pictures of any original boxes and/or bags or wrappings and receipts I ALREADY sent them. I guess they needed to see it in person. 2. They needed to interview my neighbors. Yes, State Farm is in the business of doing good old police work now. 3. I had to provide them with names and numbers of people who could verify that I owned the items stolen in the burgulary. And yes, they called. 4. They had to call every store from my receipts to verify I indeed purchase each item reported and nothing had been returned. 5. I also had to wait for the police detective assigned to my case to come back from his Christmas vacation, so that he could be interviewed. Yes, this was still going on in December. This was all so ridiculous and over the top. I gave them everything they asked for and then some (receipts and pictures)! I called corporate and asked why I was being taken through the ringer and I was told it was policy.
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Loss:
$15
5 comments
Guest

Everyone: PAY ATTENTION!!! As this could save you a lot of money and get all insurance companines attention. REAL FAST.

The insurance companies policy is a written, legal,and binding contract. The technicality that they are not upholding within their contract is "return to pre-loss condition". My 2009 Toyota Corolla LE sustained Mechanical Integrity damage and the repair shop could not and or would not guarantee me that there was no degradation of the mechanical integrity of the vehicle, and therefore they could not return the vehicle into its pre-loss condition. This constitutes a breach of contract due to the fact that the insurance company (State Farm) technically could not return the vehicle to a pre-loss contition. State Farm has stonewalled me, has refused to return my calls, has treated me like a liar, thief, and an *** when I have been a licienced insurance agent of the State of Ohio, and an Advanced Technical Engineer within the "Root Cause" and "Industrial Reliability" fields.

I believe their needs to be a class action law suit filed against State Farm to wake them up and get their attention... :?

Guest

I am currently going thru the exact same thing. I spent two hours yesterday being questioned.

I provided a very detailed report a receipts on most major items. She (The investigator) requested I sign a release for her to be able to talk to anyone she wants. This would also allow her to obtain any of my personal information. I am retired military and went thru a divorce.

The police know I had a burglary. They even have possible suspects. I didn't have anything to do with this event and I am a victim. I feel (State Farm) is going beyond normal questioning in an attempt to not pay my claim.

Because of my divorce I was forced to file bankruptcy over a year ago. Does this cause them to feel they shouldnt pay me for items stolen from my home? It has been 58 days and State Farm has not given me a penny to even complete repairs in damaged items. I pay over $400 dollars per mos.

In life and homeowners insurance alone.

Since about 2001. Ridiculous to saybthe least.

Guest

I am currently going thru the exact same thing. I spent two hours yesterday being questioned.

I provided a very detailed report a receipts on most major items. She requested I sign a release for her to be able to talk to anyone she wants and obtain any of my personal information. I am retired military and went thru a divorce. The police know I had a break in.

They even have possible suspect. I didn't have anything to do with my break in. I feel know they (State Farm) are going beyond normal questioning in an attempt to not pay my claim. Because of my divorce I was forced to file bankruptcy over a year ago.

Does this cause them to feel they shouldnt pay me for items stolen from my home? It has been 58 days and State Farm has not given me a penny to even complete repairs in damaged items. I pay over $400 dollars per mos. In life and homeowners insurance alone.

Since about 2001. Ridiculous to saybthe least.

Sara L Xph

Hey Me, it's just a simple typo, stop being an a@@hole!

Guest

I didnt know September 2012 had been here and Christmas was already over!!!!!! :x :x :x :x

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