dixiegypsy31
New member
I responded to another old post about State Farm, but felt the need to share here as my own PSA. Take from it what you will (it IS, after all, only worth $0.02 and I’m only one of I’m sure thousands of people who interface w/ them. If you have a positive experience with them, feel free to offer a counter-view):
…as someone who works in the construction industry and deals with insurance companies for insurance claims on damaged homes….. if I had my way, I’d encourage people to consider an alternative. As soon as I hear that a prospective client is with State Farm, my heart falls. For sake of length of post, and client privacy, i won’t go into a list of offenses. But the most recent issue arose today: back in May, after some back and forth with estimates from SF and our firm, our client got approved to have a structure rebuilt after a fire at an agreed-upon amount. Now, mid-way through construction, the claim adjuster has been changed and the client’s insurance agent is just informed the client that SF is only going to cover a portion of what was originally approved. The difference in cost to the customer is around $20K. This is only one example of many I’ve experienced as a professional having to liaise between them and their paying customers.
And my own PERSONAL experience with them, as someone previously insured by them, was terrible as well. Back in my early 20’s (so, mid/late 90’s) I had car insurance through them. I had the car for about a year, but it was a beater and eventually died hard enough to be beyond repair. I became a bus rider because I couldn’t afford to buy a new car, and I called State Farm to cancel my insurance/inform them the car had been transferred to a salvage company. Fast forward down the road about a year: I find out State Farm reported me to the police/motor vehicle department as an uninsured motorist and that the department had revoked my license. I only found out because I was trying to renew my driver’s license and the motor vehicle dept rep told me they couldn’t because “my insurance company had reported me for driving without insurance” (or something along the lines of cancelling my policy while still owning/operating a vehicle) and a warrant had been issued against me.
I had to jump through hoops to prove I wasn’t driving during that time and to get my license reinstated. Meanwhile, when I contacted State Farm, they had the nerve to argue with me that I SHOULD HAVE KEPT PAYING CAR INSURANCE ON A CAR I DIDN’T OWN, and that it was basically my fault for not maintaining insurance. Wtf? You are NOT legally required to carry car insurance if you don’t own a vehicle.
Needless to say that left a VERY bad taste in my mouth and I swore from that point I’d never do business with them again. All the negative interactions I’ve had with them since then in my industry have only reinforced my opinion of them.
Again, take from my experiences what you will. And if you have had positive experience with them, I welcome any happy-ending stories to help temper my jaded heart, lol.
…as someone who works in the construction industry and deals with insurance companies for insurance claims on damaged homes….. if I had my way, I’d encourage people to consider an alternative. As soon as I hear that a prospective client is with State Farm, my heart falls. For sake of length of post, and client privacy, i won’t go into a list of offenses. But the most recent issue arose today: back in May, after some back and forth with estimates from SF and our firm, our client got approved to have a structure rebuilt after a fire at an agreed-upon amount. Now, mid-way through construction, the claim adjuster has been changed and the client’s insurance agent is just informed the client that SF is only going to cover a portion of what was originally approved. The difference in cost to the customer is around $20K. This is only one example of many I’ve experienced as a professional having to liaise between them and their paying customers.
And my own PERSONAL experience with them, as someone previously insured by them, was terrible as well. Back in my early 20’s (so, mid/late 90’s) I had car insurance through them. I had the car for about a year, but it was a beater and eventually died hard enough to be beyond repair. I became a bus rider because I couldn’t afford to buy a new car, and I called State Farm to cancel my insurance/inform them the car had been transferred to a salvage company. Fast forward down the road about a year: I find out State Farm reported me to the police/motor vehicle department as an uninsured motorist and that the department had revoked my license. I only found out because I was trying to renew my driver’s license and the motor vehicle dept rep told me they couldn’t because “my insurance company had reported me for driving without insurance” (or something along the lines of cancelling my policy while still owning/operating a vehicle) and a warrant had been issued against me.
I had to jump through hoops to prove I wasn’t driving during that time and to get my license reinstated. Meanwhile, when I contacted State Farm, they had the nerve to argue with me that I SHOULD HAVE KEPT PAYING CAR INSURANCE ON A CAR I DIDN’T OWN, and that it was basically my fault for not maintaining insurance. Wtf? You are NOT legally required to carry car insurance if you don’t own a vehicle.
Needless to say that left a VERY bad taste in my mouth and I swore from that point I’d never do business with them again. All the negative interactions I’ve had with them since then in my industry have only reinforced my opinion of them.
Again, take from my experiences what you will. And if you have had positive experience with them, I welcome any happy-ending stories to help temper my jaded heart, lol.