I have been w/ state farm since 1997 and have insured 5 cars and just 2 yrs ago my modular home. Fearing the unknown, I kept full coverage on my vehicles after paying off note. I had one accident ( damage to my property only) and an accident involving a deer. I was stranded over 200 miles from home recently and to my horror find out that what I had been paying for all theses yrs was not worth a penny.
My towing coverage / roadside assistance would not get my car back home. it only covered towing to the nearest repair shop- remember I am 200 miles from home at the mercy of strangers-- Wonderful strangers they were-- more helpful than State Farm was. The damage to my car was internal--engine. It take me 6 days on my own to get my car back to Georgia. Those helpful strangers assisted me in getting a rental car--not state farm. Later was told, my insurance would not pay for the rental -- which is part of my coverage, also. My insurance would cover the rental car.
The towing cost over 200 miles from Fla back to Ga was $500.00-- State farm only would pay/paid a $100.00 and I am hoping it reimburses me back for the first towing to the repair shop of $ 60.00. Warning to others State farmers-- question your agent on What if this happen what will my insurance coverage. I trusted them. I thought I had what I needed in case of any emergency. My neighbor told me I had the best insurance it was- state farm-- yeah, until you need them. I laughed at their recent commercial about the 40 million people they insure-- if those 40 million only knew.
I called the 1800 # the day I saw the commercial and the CSRep did not seem very surprised when I told him of my ordeal. There was no offer of help! He said state farm should pay the towing. I wonder if my home catches on fire what they will tell me -- my fire coverage doesn't cover a fire! State Farm is A Joke when one needs them. As long as the premiums are paid the insurer is okay.I never received a call from my loyal agent offering any additional assistance in the matter. Oh Yeah. just the renewal bill by mail from the main