State Farm Complaints

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PostPosted: Thu Oct 21, 2010 6:11 pm   Post subject: vehicle insurance  

the premium was for six monts


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gean rig
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PostPosted: Thu Oct 21, 2010 6:28 pm   Post subject: vehicle insurance  

the premium was for six monts

geanrig
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PostPosted: Thu Oct 21, 2010 8:54 pm   Post subject:   

We'd have to see the language of your policy's cancellation provision to know if there's a problem here. On the surface, the amount of their earned premium retention appears to be a bit excessive. The contract, however, might allow for it.



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PostPosted: Tue Nov 23, 2010 5:40 am   Post subject: rachat de credit  

Man, really want to know how can you be that smart, lol...great read, thanks.


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PostPosted: Thu Nov 25, 2010 11:44 am   Post subject: state farm claims people  

was told by a lady at the claims center that this was State Farm we are not here to screw you and I am speaking english right.....


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PostPosted: Fri Dec 17, 2010 12:06 am   Post subject: rachat de credits  

Is there anymore information you can give on this subject. It answers a lot of my questions but there is still more info I need. I will drop you an email if I can find it. Never mind I will just use the contact form. Hopefully you can help me further.



- Robson


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PostPosted: Fri Dec 17, 2010 2:45 pm   Post subject:   

What would you like to know? Feel free to email me. Just click on the link below!



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PostPosted: Mon Dec 27, 2010 6:25 am   Post subject:   

Quote:
If [name withheld] has been trained to be indecent and ill-mannered to your clientele, by all means he is doing an excellent job.




Given the time of year, an insurance company claim representative could be suffering from "Seasonal Affective Disorder". A repressed childhood trauma of not receiving the electric train set or bicycle for Christmas but getting a box of underwear and socks instead. And now, every Christmas, as his wife and kids continue to buy him more socks and underwear for Christmas, he just becomes more morose and unsociable, and takes it out on those he has to deal with on a daily basis. Try pushing his "button" by asking him how he liked the socks this year the next time you call.



It probably has nothing to do with you, personally, and you can always ask to speak to a Claims Dept supervisor.



You can also file a complaint with your state's Dept of Insurance if you feel the claim is not being handled appropriately, or in a timely manner.


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Last edited by MaxHerr on Mon May 21, 2012 3:37 pm
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PostPosted: Thu May 19, 2011 12:28 am   Post subject: Screwed up company  

I had statefarm car/life insurance i gave them specific dates to directly withdraw my money. my agents were changed three different times, only one with good reason(i moved to another state) . Then when i got to the new state farm (because i moved my policy to another state) they changed my monthly iunsurance rates three times!WTF!!! I know the economy is in a rut but damn! Then instead of withdrawing THE money on the day you agreed on, they do it when they feel like it! This causes major problems for me . Example they was suppose to pull my money on the 5th they pulled it on the 12th. i spoke with the agent last mth, and she know i was pissed trying to explain everything,"i dont want you to leave statefarm with a bad taste in your mouth". After apologizing, i be damned if the company didnt do the same damn thing. they took the money on the 9th , it returned , they charged it again , then they got the payment. Evil or Very Mad Then guess what ?They asked me to make the same payment again my mail today!!! yes i am furious!I have blocked statefarm from my checking account, and on to ALL STATE I GO!!!!!!!!!!


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PostPosted: Thu Jun 30, 2011 8:15 pm   Post subject:   

I have had State Farm for 20 years or more. At this time I have a home 2 trucks 4 cars and a motorcycle on my policy. I have only made a couple of claims with them over this time and they have paid out less than 3500 dollars while taking in more than 40000 in that time. I started with a claim for storm damage over a year ago and after all this time they have only said that my roofer was trying to con me ( didn't even want to do my roof but would as a favor) and the other was a consultant with a degree in engineering. They have both said I have storm damage but the adjusters both decline that I do, but they do agree I have storm damage inside my home. I would like to know how this happened? Now they have started to say that I am doing damage to my roof myself. We had an F4 tornado a half a block from my house and every house in the area have had to have a new roof but for some reason mine don't have any damage. Their claims dept have been nothing but rude and left me with no choice but to have an attorney handle it. I now have to put the roof on myself and fight to get them to cover this. Within the next month I fully intend to have new insurance with a different company and have already stopped at least 1 person from going to state farm. I will never put them out of business but I will tell everyone I know how I've been treated and do everything I can to take as much business away from them that I can. I have never been late on my payments and have never done anything for them to treat me the way they have so for those of you looking for insurance look to other companys. There may not be any company out there that would treat everyone the best but you would think they would try to keep customers that pay their bills and don't make many claims.


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PostPosted: Tue Jul 12, 2011 4:52 pm   Post subject:   

Quote:
At this time I have a home 2 trucks 4 cars and a motorcycle on my policy. I have only made a couple of claims with them over this time and they have paid out less than 3500 dollars while taking in more than 40000 in that time.




A little confusion here. Your home and vehicles are not insured by one policy. You may actually have three or four different policies.



The other matter is your misunderstanding of how property and casualty insurance works.



You pay for auto, truck, motorcycle, and homeowner's insurance one year (or six months) at a time. Your policy is renewed at the end of that time or it isn't. If it's renewed, it may have the same policy number, but it's actually a new one-year or six-month contract. You may have paid a total of $40,000 in 20 years, but you did that one year at a time. Property & Casualty insurance does not "build cash value" the same way that some life insurance policies do.



You are looking at the numbers in the aggregate, the insurance company only looks at them one policy term at a time. Within the policy term you may or may not have had a claim. But when the term is over, you have no coverage and you cannot bring any new claims against that policy that occur after its expiration date. You had peace of mind during the policy term. But once it's over, it's over.



Now you have a new policy term, and you've paid your premiums, and you believe you have a claim.



Unfortunately, you have gone about pursuing your claim in the wrong manner. Engineering consultants and building contractors tell you what you want to hear, but they may have no idea what your insurance does or does not cover -- have either of them read your insurance contract? Your reliance on them is misplaced.



If you believe you have wind-related damage but the insurance company disputes this, you need to hire a PUBLIC ADJUSTER, a person licensed with your state's Dept of Insurance to represent you and your claim to your insurance company.



A Public Adjuster will ask you to sign a written agreement making him/her your "agent" fo the purpose of pursuing your claim. You will pay the adjuster about 10% of whatever he/she recovers for you from the insurance company.



Before all this, the adjuster will probably read your policy and determine if you have a legitimate claim. If you don't, he'll tell you and you won't sign an agreement.



So for the time being, forget what the contractors and "engineers" are telling you, and find a reputable Public Adjuster to represent you.


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PostPosted: Wed Aug 24, 2011 1:00 am   Post subject: cORjgPNSrJtJWcUat  

Hey, subtle must be your mildde name. Great post!


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PostPosted: Sun Sep 11, 2011 6:01 pm   Post subject: Like a good neighbor? As if...  

Max- From a factual point-of-view, all of your statements above are true. The harsh lesson that many policyholders must learn is that their loyalty to an insurance company is worthless! They don’t discover this ugly truth until they file a claim and go through a living hell trying to get it paid.



Last year, I had borrowed my mom’s SUV to take on vacation and she drove my car for a week. She was driving my car to a meeting on the first morning of that week and was rear-ended by a State Farm customer while stopped at a red light. The impact was hard enough to knock my car into the SUV stopped in front of it, causing the airbag to deploy! My mom suffered some injuries including a fractured wrist, torn ligament in one knee, a broken toe, two broken fingers, airbag burns on hands and arms and substantial bruising on her chest from the seatbelt pre-tensioner. My car should have been totaled, but State Farm insisted on repairing it. That was a mistake that ultimately cost them $2000 more than if they had simply totaled it!



Although my car was insured by Amica, my parents had been with State Farm for over 37 years at the time of the accident. The other driver received multiple citations and the police report cited her as being 100% responsible for the accident. It took 32 days to finally get my car repaired properly and cost State Farm $9700 (I would have taken $10,000 if it had been totaled) and I fought them for a $3200 Diminished Value Claim that I ultimately won (after filing a lawsuit).



But 13 months later, my mom still hasn’t received a penny in reimbursement for her medical expenses! She didn’t ask for a penny more than what she had paid out (around $6000) but they refused. She finally hired an attorney and it will cost them a lot more than $6000 to finally settle. Her State Farm agent wasn’t remotely interested in getting involved in the situation.



Six months ago, my parents’ house was damaged by a wind/hail storm that trashed their roof. State Farm initially declined the claim and, after two months of my dad calling them daily, they agreed to replace only the front half of the roof. He hired an independent adjuster who agreed that the entire roof was damaged, but State Farm still wouldn’t budge. A call to the Georgia Insurance Commissioner’s office and continued daily calls to State Farm finally got the entire roof replaced….almost four months after the damage occurred!



This was their first (and last) claim with State Farm in almost 38 years. Thankfully, it opened my dad’s eyes and he is now insured with Auto-Owners and paying $1300 less per year (even though he has more coverage)! Like a good neighbor my @ss…

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PostPosted: Mon Sep 12, 2011 1:51 am   Post subject:   

Quote:
A call to the Georgia Insurance Commissioner’s office and continued daily calls to State Farm finally got the entire roof replaced


Unfortunately, many folks fail to use this free resource that exists in EVERY state, including Puerto Rico and the DC. Much better than using an attorney in many cases.


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PostPosted: Tue Mar 20, 2012 4:58 am   Post subject: Ripped off  

Took out auto insurance on-line and paid $550 for one month and one month advance payment. After payment was made on-line, contacted local agent and when i contacted was told they needed more information on the policy. When i gave more information, which was not asked on-line before they took my money, was told the underwriters would refuse my policy, so i decided i would cancel the policy. This had to come from corporate for my refund and i only received $49.99 for 20 days of un- insured, insurance. Sad


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