Pros: They offer insurance, which is a necessary evil in this society.
Cons: Everything as stated above.
Schlamozzel here with another SLUMLORD BRAND (TM) review of a product / "service" that will likely lead you to choose another. This would be STATE FARM INSURANCE - AUTOMOBILE COVERAGE.
As many of you, my readers, may remember I lost my dad in 2008. All the legal flabbidas of the probate court and the hoops of the life insurance companies was over. I found myself the owner of my late father's vehicle. The year was 2009. (*PLEASE TAKE NOTE OF THIS TIMELINE! IT WILL BE IMPORTANT IN A FEW LINES!!!) My (at that time girlfriend, now wife) was insured through STATE FARM. So we decided things were going well enough between us for the vehicle to be insured through her carrier. (Read: We both knew we'd be getting married because TRUE LOVE doesn't lie)
Her vehicle carried the "compulsory" stuff that makes sense to have and additional insurances. One of which is a provision that pays for a rental vehicle in case you'd need it. (*AGAIN, TAKE NOTE OF THIS AS IT WILL BE IMPORTANT IN A FEW MOMENTS) She also had other insurances through STATE FARM, which gave a "multi-lines" discount.
Forward now to the present day. It is approximately 9:00 PM EST On February 1, 2012. Less than 1/4 mile from our home a "BRAKE" light suddenly glares at me from the dashboard. As I reach the driveway the brake pedal does nothing to slow the vehicle. I now have one of those "split second" decisions to make. Do I crash into the garage? Should I wreck my wife's car and crash into the garage? Or should I point it for the woods... and hope?
I chose number 3. The vehicle went off the edge of the embankment and hit a tree head-on, just enough left of center to not deploy the air bag. My leg hurts a bit, but I'm perfectly able to exit the vehicle and get inside to my loving wife. After a hug and kiss I grab a disposable camera and start taking pictures, documenting everything I can to demonstrate exactly how the accident happened. VERY IMPORTANT TO DO WITH ANY INSURANCE CLAIM. The very next morning I was able to get the vehicle out of the ditch and back on the driveway.
Then I called my agency to initiate the damage claim. I gave them all of the necessary information, INCLUDING a statement that there was a dent in the bumper that was there since my dad had owned the vehicle. (*A POINT OF VITAL IMPORTANCE TO THIS REVIEW PLEASE NOW COORDINATE THIS WITH THE OTHER IMPORTANT POINTS) I was told that a "claims adjuster" would be out to assess the damages and so on. The fact that the vehicle was not drivable would help speed up the response. (It actually did) A STATE FARM claims person was assigned and sent on Friday, February 3, 2012. As I could not be present at the time they arrived I left a list of all the damages I found. It was hanging on the driver's side front door window. The vehicle was unlocked.
LIST OF DAMAGES
Front end damage - evidence hood and front 1/4 panels not lined up
Door seams mis-aligned (evidence of frame / cab contortion)
Hood WILL NOT open
Unable to remove CD's from multi-player
WHAT THE ADJUSTER WROTE
Replace front bumper
The STATE FARM adjuster left my copy of his paperwork on the front seat of the damaged vehicle, along with the list I wrote.
I returned home at approximately 4:00 PM that afternoon. (Friday, February 3rd., 2012) and found a message had been left for me to call STATE FARM CLAIMS at 1-877-208-1487, Extention # 3270 regarding my claim. I immediately did. When the line connected I dialed the extention and it connected to a female person whom proceeded to assert that I have made a, "fraudulent claim because (I) claimed damage to the same bumper in 2006". (Remember, dad passed away in 2008, I received his vehicle, registered it and insured it with STATE FARM in 2009 and I had acknowledged that previous damage to the bumper did exist) SO HOW COULD I POSSIBLY HAVE MADE A CLAIM ON THIS VEHICLE IN 2006?
THIS GETS WORSE, NOT BETTER...
I was then told that in order to get a better assessment the vehicle had to be at a repair facillity. Towing for this would be covered. I arranged for the transport to a repair shop that, by recommendation, is an excellent, straight forward place to deal with. The source of said referral I know very well to be ultra reliable. (A person from my church) The vehicle was on his lot Saturday morning.
On Monday morning, February 6th, 2012 I called my agent and made it painfully clear that I was going to be there. I was received and after a short "long talk" was issues an apology and assured an adjuster would be out to rectify the situation and get the claim settled and paid. (Meanwhile, I am paying $50.00 / day for a rental vehicle because STATE FARM did not properly protect our interests by including rental coverage on this vehicle. Even though said coverage is included on our other vehicle.)
Tuesday, February 7th, 2012: A STATE FARM adjuster went to the body shop, would NOT further assess the vehicle *"because the hood would not open". (A DIRECT QUOTE as according to STATE FARM CLAIMS ) "They won't pay the body shop to open the hood unless it can be proven that the hood not opening is caused by the accident". (Again, a DRIECT QUOTE of STATE FARM CLAIMS)
Now I am beyond furious to the point of screaming at the unfortunate young lady who answered the telephone at my agent's office. The agent / owner of the local STATE FARM office, Renee Lecleric, Hooksett New Hampshire was out at a meeting at the Bedford New Hampshire office. I told her to call there, have somebody yank his body out of the meeting and call me immediately... NOT in an hour, IMMEDIATELY.
His call came as I was writing this. His answer, "Go buy another car and just wait until this plays out". (Again, a DIRECT QUOTE)
1) Now I am infuriated. This is not why I am paying premiums, to be flippantly accoused of a crime.
2) It does not serve well to accept payment to protect the interests of your clients, but fail to properly properly issue insurance EQUALLY.
3) I have a fundamental issue with and hence my conscience will not permit me to continue paying money for foot-dragging, insulting accusations, nickle and dime tactics and people who treat me as though I am a lowly idiot.
Well that is about all I have for you on this subject. I do hope it has helped you, the reader make an informed decision as to if this company is worth your business.
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