I was with State Farm Insurance for 17 years. I have always maintained a clean record. This year, I experienced my 1st and 2nd at fault accident with another vehicle in MI. My 1st accident was in a private driveway: I backed into another car's door, minimal damage. The 2nd accident was more serious on the hwy. I failed to stop in time when a car in front of me slowed down to turn and I drove around the shoulder side-swiping the car. My negligence.
State Farm has a strange internal point system that if you get 6 pts or more, they cancel your coverage. The 1st at-fault accident was worth 3 pts, the 2nd 4pts within 3 years of each other.
I received two letters in the mail telling me my coverage is cancelled for both my motorcycle and car.
They refused to negotiate and refused to simply charge me higher premiums!!!
I went to Progressive here in MI that very next day and received coverage even after disclosing the recent accidents.
Shame on this unethical business practice. I will NEVER use State Farm Insurance for anything else!!
-pb in MI