State Farm
reviews and complaints

Car stolen, reported. Recovered, Insurance sent it to repair shop.It has sat there over a month while they investigate. Have asked me if I know about insurance fraud, trying to say my husband vandalized the car himself. been with this company over ten years, First time I have a car stolen, they given me, one recordered interview over another. Pulled up every thing about our lives.Over broken windows and couple tires. I have always had more then one insured car with them, brought in family members for their insurance.I am now paying over 500 every six months and 300 payment on this car they leave sit for over a month and this is without having work done to it.

My car was stolen almost two months ago. I haven't had any type of a claim in over 20 years and that was for slashed tires.

State Farm is now saying their "Special Investigations" dept is handling this because the car cannot be started without a key and obviously, I had the key. The police dept said it was likely towed and stolen to be parted out (mint 2004 BMW 330I). Now it's been almost two months and I can't even get them to return my phone calls. Jodi Colucci is the claims rep. I have done everything they have asked, the recorded interview, written documentation, sent the key to the car and a copy of the title, submitted the police report, I've done everything they have asked me to.

Another issue, they asked me when the last time I drove it was. It was the night before it was stolen. They said their key expert claims I hadn't started the car in 4-5 days before it was stolen. According to BMW they didn't even have that kind of key technology in 2004. I am well aware of when I drove the car last and it was the night before it was stolen.

These people had NO problem calling me back when I was buying the policy but now that there is a claim for the first time in over 20 years it's suddenly an issue calling me back. I honestly don't know what to do. I've been without a car all this time. They told me I have rental car coverage but I don't want to start up a huge bill that they will later deny. I simply cannot afford it.

Does anyone have any suggestions?

We have had State Farm coverage for our home, autos and life insurance for 40 plus years with 6 digit total premium payments. 4 years ago, a contractor ruined the siding on our home and his insurance rejected the claim so we submitted a claim to State Farm, who in turn stated they would work with the contractors insurance agent. The claim was over $20, 000, I agree that it was substantial but we have a two story home. We heard nothing from State Farm as to the resolution with the contractors' agent but State Farm provided the check to cover the replacement of the siding. We were pleased. The this year, my wife lost a very personal bracelet and we file a claim and received $2, 500. Again pleased. Then about 4 months following this last claim, State Farm canceled our insurance stating that the amount of claims in a 5 year period exceeded their procedures. They never tried to work out a solution since the initial claim was not our fault nor did they inform us of the contractors' agent resolution. They stated that their procedure could and would not be negotiated nor overturned regardless of the situation or who the policy holder was. Yeah right. Anyway, we changed home owners insurance on two homes and 5 autos. State Farm is not loyal to their clients.

I’m glad to see a newspaper that wants to know how the insurance companies have treated it’s customers through the storm. I’m giving you very general information right now, but I can be more specific if you call me. My experience was not too great. I have business insurance with State Farm to cover equipment, liability, accidents, and loss of business due to acts of nature, fire, etc. I called and was told a claims adjuster would call. Never happened. I call my agent no return call. Finally I saw and agent taking photos of what use to be a building that I rented as a clinic. I was directed to a State Farm victims claim tent (in Gardendale) a week after the storm.

They quickly entered my damages, gave me a claim number and a check for $2000 as quick and partial reimbursement. But after that it was a few weeks before the adjuster called and quickly started finding reasons they would not cover. Everyday he would call saying “I’m not sure if it is covered, I will check and get back”. I finally got my agent to return a call and talk with him. I was only claiming about $5k worth of medical equipment out of about $20k that could have been reported, but I got it repaired or had replacements for and did not pass on to insurance.

Additionally, I was closed 5 weeks and had coverage for loss of business. They stated some stipulation in the policy about location and how long my equipment could be at the clinic before coverage was no longer available (90days). I loss about $10k in business for that month and my insurance policy is suppose to cover up to 12 months, yet they paid nothing and sent me a survey asking if I’m satisfied. If you need more info on this or plan to write a story on it. Let me know I will be happy to show how they did a customer that pays on-time every month. I’m pending loosing my business right now as result of “NO COVERAGE”.

Had roof damage from storm. Used contractor suggested by State Farm to get estimate which was $15, 000. After a 3.5 hour assessment by State Farm they will only pay out 9300. Said contractors estimate was incorrect. Had contractor come back out and they increased estimate to $17, 000 due to house having 5 roofs and cost of material increase. Roof has over 100' of ridge cap, that SF said contractor needs to cover that in their scrap. To get warrantee need to use vented ridge cap. SF said won't cover it. Have over 100' of valleys, contractor said too correctly install should use valley material. Have 4 vent pipes and chimney that contractor said flashing was old and needed to be replaced. SF said "they will not pay to correctly install roof". Note this is a contractor they recommended and after I checked them out come with great recommendations. Local SF agent said that normally all this would be covered no questions asked but since this damage was caused by a catastrophe it has to be handled out of national office and it is out of his hands. So I get screwed after being a loyal SF customer for 17 years without a signal claim. Meanwhile my nieghbor is having his entire roof relplaced by same contractor through cincinatti insurance with no questions.

I was looking to switch car insurance companies after I paid off my car loan. I went to the website of State Farm, got a quote, and paid it using my credit card. Then I received a binder for insurance. I understand that they'll check for everything before they approve my purchase. However, they did issue a policy number, which is very misleading. The next day, I wanted to cancel my purchase since I decided to stay with my current insurance company. There was no way I can cancel it before it's charged to my credit card. I called State Farm based on the numbers provided online and was referred to a local agent. Called the local agent and they didn't have my information since it's still being underwritten. They can't cancel it until they get the information from State Farm. Called my credit card company and a charge has been issued while State Farm still requests more information and indicates the premium might change. What a joke! Based on my previous experience an insurance company WON'T CHARGE the payment until the premium has been agreed by the purchaser and the company, after the company reviewed and approved the application.

Have to call them again to cancel the policy and my concern now is that they'll charge the prorated policy rate since the purchase - while I'm double paying my current insurance as well. File a charge dispute with my credit card company and will see how things go. A final word: Be award of online policy purchases from State Farm!

Long story short, had a modified vehicles registered and insured as such with state farm. After having the vehicle stolen, state farm representative iclaims investigators Stephanie Pace and her direct supervisor Sean Gray, broke numerous laws and regulatios, including committing fraud and perjury, for over 7 months until the claim was ultimately denied. the reasons given for denial of the claim, i was on vacation, i had a "hide-a-key", and the vehicle registration needed renewed. Even after going to the ca insurance bureau, they said ultimately theres nothing i can do, they can fine them but not tell me of the result of their investigation into state farm, and if i can afford it, i should sue.

My daughter was hit by a drive who has State Farm, he ran a stop sign and hit her tire and bumper. I happen to have State Farm so stupid me I thought this would be easy. Once the car was at the shop State Farm began denying the claim, stating that its an older car and it was old damage. They were unable to locate a bumper and the tire that the gentleman hit was wobbly but they said that wasnt due to the accident.
The claims department was rude and NEVER followed through with anything!
Worst experience of customer service I have ever had!

BAD FAITH INSURERS stay away they don't care, there claims processing are the ### of ###. They are only interested in saving a dollar for themselves Do yourself a favor and find another ins company worst I've ever dealt with and I've had ins for over 30 years! LIARS where they lie with a smile on their face. Lord have mercy on these souls and give me what I need to keep praying for this kind and not to get hateful! cuz people let me tell ya My exp with State Farm was HORRIBLE I paid them to protect me they not only did not do what the policy and law states they make you feel awful and try to make it your fault and bad cuz you had an "ACCIDENT" its just what the name says "accident" for the love of pete!

I recently had a car accident no fault of my own that was caused by a state farm customer. My car was the only one totaled. I have been without a car for a few days now and is having trouble with rides to work and getting my children to school.

I spoke with a few of the state farm representatives who were very rude and short. This is just not right. I am so upset bc I was the victim. Im seeking legal advice to sort this matter out the correct way after seeing all these complaints on state farm. Thanks everyone.

We have had several roofers from different companies look at our roof and they say we have hail damage. We had the contractor from State Farm say we have hail damage, but now the adjuster claims we have no hail damage -- she has been doing this for 2 years - what kind of experience of does she have? I thought an adjuster should have more experience than that. The roofers have 30 years experience. She said they are just out to get your money and they would say we have hail damage, but she does not agree we have hail damage, so State Farm will not pay. BUT she did say we had hail damage to our porch area and she gave us a check for that. Also every house in our neighborhood that has State Farm has been denied claims - all the other house are getting new roofs because they are with other insurance companies. Please explain! We will pursue as far as we can go but it looks like it maybe hopeless - we'll end up changing insurance companies.

In July another biker crashed into me while I was making a turn. He was upwards of 60mph so my bike was totaled. I managed to walk away... then get carried away in an ambulance to a hospital as I guess I was in shock.
My expenses includes an ambulance ride, hospital, doctor visit and week loss of work. I was told to consult the other drivers insurance for reimbursement( State Farm) which was about 9 months ago. I have been given the medical release run around since July and have made countless calls to try and do what I can. Typed request letters, complaints... nothing seems to be moving this on. Every few months they give me some small recent info as to why we can not settle...Recently consulted with a hot shot lawyer who would not take my case and said to sue in a small claims court as she feels State Farm will not pay and my case is to small to fight. Raw expenses are around $3500.

What really makes me mad is the lying of the adjuster its like he knows that I know he is lying but he keeps it up. "My evil doctors secretary is delaying this because of some kind of personal vendetta or something..." I've talked to the dude who hit me and he is as frustrated with State Farm as I am.

As someone who has been in the insurance industry for 30 years I am writing this letter due to a State Farm Agents questionable practices. As an licensed Agent I m shocked to find out that State Farm Agent, Amy Brown located in Villa Rica, Georgia is promoting unethical behavior to one of her employees Marla Shaddix. Mr. Brown sent Ms. Shaddix who is NOT a licensed insurance representative, to the homes of potential life insurance customers with the mouth swabs required to get a life insurance policy. Ms. Brown told Ms. Shaddix to take the swabs to the potential customers at their home, leave the swabs with them to swab their mouths and then they would be returned to her office to be processed. When has this become an industry standard. In all of my years as a licensed agent we have always required a licensed agent to do the swabs themselves and take them back to the office. I would NEVER leave a swab there for a potential client to do themself. How do WE really know it was their own mouth they swabbed? They could have swabbed ANYONE'S mouth. What if it turned out they had Aids etc. and then the insurance company is out paying a huge life insurance policy on someone who should not have been insured anyway, not tto mentionn that the chain of command has been broken with the swabs. The agent has NO idea where the swab has REALLY been! I am absolutely shocked and floored that this type of behavior is being carried out by a licensaed State Farm Agent! What example is this setting for the indusrty? Ms. Brown's staff as well as potential clients. Her reasoning is that Ms. Shaddix goes to church with these potential customers, therefore THEY can be trusted doing their own swabbing. This is absolutely incomprehensible! I hope someone takes some sort of action because this type of unethical behavior is giving the Insurance Industry a horrible reputation. Is this the example we as insurance agents want to set for agents coming into the industry as well as our employees, I think not! I am absolutely beside myself that this type of practice is going on! It needs to stop!

I purchased all of my insurance with Amy Brown State Farm Insurance in Villa Rica, Ga. I have neer had such a bad experience with an Insurance Agent in my life. I had contacted Ms. Brown on numerous occassions. She NEVER returned my calls. I even went to her office one day and SHE was the only person in the office. She did not even attempt to come out and great me much less ask if she could help me. I stood there for a good 15 minutes without Ms. Brown coming out of her office. She saw I was there and never acknowledged me To say the least I as a customer was extremely upset. She has no problems taking my money every month, but when it comes to customer service it is a joke. I have been in her office when her staff were there and they were always very polkite ad courteous and always quick to tend to my needs. After this encounter with Ms. Brown I took ALL of my insurance business to another agent who has TIME for his cusomers. I have never seen such unprofessionalism i my life from someone who OWNS an agency. If you are looking for customer service and and agent who care you had better stay away from this insurance company. She has even gone to the extent of saying she NEVER had a conversation with me on the phone and I can prove that I did because I recorded it simply because I have had his problem with Ms. Brown in the past.

State Farm is truly the worst insurance company on the planet. I have been a customer for over 20 years and paid them over $100, 000 in insurance premiums. I have had two claims for water and/or wind damage over these years and both times they denied the claims other than in one instance they paid $450 on a $10, 000 + claim. Contrast this to Chubb who immediately paid about a $50, 000 claim on a water damage issue to a house I own. Drop State Farm and move to a reputable company like Chubb if you want your claims paid! Also do a google search on State Farm Fraud Katrina and you will see how they ripped off their policy holders after a hurricane!
Wayne Gorsek

ABOUT ME:
Hello, my name is Johnathan, I am a hard working American citizen residing in Miami FL… a certified Fire Fighter and Paramedic… on a waitlist in the county to be notified of placement when opens up. I go to school fulltime and have a 2 year old daughter and a 5 year old son that I support while working at the hospital as an Emergency Medical Technician… One thing that I don’t understand is why a BIG company such as State Farm would bully and take the opportunity to squash and pulverize me. Here is my recent experience dealing with State Farm and I hope a little voice like the one I am raising can one day help others.

PURCHASED ONLINE INSURANCE:
It’s MARCH 22ND 2011… I was excited that I was finally able to purchase one of the cars of my dreams (a used 2002 Mercedes CL500). Previously having had Geico, I had no problems with them but my fiancée and my best friend both have State Farm, so I decided that maybe I would give State Farm a try since insurance is insurance and they are one of the biggest insurance companies.
So, I jumped onto www.StateFarm.com … I filled out all of the details and questions to the best of my abilities, I even entered my Driver’s License so they could see my record transparently. After I finished getting a quote, I paid with my credit card over $320 and I printed out my Policy Binder with all of the policy information. Yey, that was easy!
Perfect, so I start to drive my car with confidence that I am fully covered… I install my baby daughter’s baby seat and start driving my daily driver CL500 =)

IN COMES THE WEEKEND!
It’s MARCH 26TH 2011… It’s a beautiful day for the BEACH in MIAMI and I jump into the car with my baby daughter and my friend visiting from New York for the weekend; and we head out to Miami Beach.

ACCIDENT:
On the expressway on our way to the beach, I run over a a construction metal lid on the floor of the expressway… since my car is on 22 inch wheels with very thin performance tires, it leaps and hits the floor hard and the wheel bends making me lose control, hitting a curb and initiating damage on the passenger side of my vehicle. I continue to move out of the busy Miami traffic and attempt to exit to the nearest exit with my car still completely out of wack… the only thing on my mind racing up and down is my 2 year old daughter’s safety (asking her consistently if she is ok). Finally, I am able to pull out on the exit of 8th street, still with limited control and the car pulling to the right tremendously and get out to assess the damage.
I get on the phone with State Farm and get a claim number. I get the car towed to a body shop close to where I live and resolve the day as an unfortunate day but thanking God that at least everyone was ok.

POST ACCIDENT:
I advise the body shop of my claim number and have them contact state farm to deal with the accident. The body shop personnel contact State Farm and are advised that the adjuster would be there the following day. Everyday almost throughout the week they got the same response from State Farm, that the adjuster would be out the next day.

NO COVERAGE:
ON APRIL FOOLS DAY (APRIL 1st 2011)… I get a call late afternoon (around 3pm) from the State Farm underwriting department cold heartedly advising me that my policy has been Rescinded (never even heard of that word in my life) and that they were not going to cover the claim nor pay for any damages on my car.
My mind goes into an endless spin and I lose my breath, asking “but why?”
1. I tell them that I had been driving for days assured I was insured…
2. I tell them that I paid, have not received refund and that they took my money…
3. I tell them that they issued me a policy number, constituting coverage…
4. I tell them that it’s been well over 9 days and I have received no calls, nor emails, nor text message, nor smoke signal regarding any intention that I was not covered…
How can this be? How can you have a system that issues policy numbers to drivers, asking them for pertinent information without instantly verifying or validating the caliber of driver you are looking for? Why does your system ask for a driver’s license number and social security number if you are not instantly going to validate the driver as you need to instantly?
State Farm:
- Are you falsely insuring driver’s on the road with no intention of paying for the claims?
- With what heart do you turn down hard working American’s days after they have been authorized by your system?
LAME EXCUSE AND ACTIONS TAKEN:
So I ask and the underwriter tells me that after reviewing my driving history they have decided to rescind… advising that the reason behind the decision was that I was guilty of a speeding ticket back in 2008… I say, IT CAN’T BE… I have no recollection of being guilty of any traffic violations; so she tells me that there is nothing else to be done, gives me no more information or detail and plainly says they are not covering my claim and to have a good day.

COMPLETELY CONCERNED after such a call, I check the Miami-Dade county clerk .gov site and I run my driver’s license through it. I look at my history and see that I have not been deemed guilty of any traffic violations and that the even the last Adjucation Withheld was in 2005(over 6 years ago).
I call back State Farm and advise this fact… they send me on a wild goose chase telling me to go and talk to the Agent to which my policy has been assigned: MATTHEW WESSLE 14653 SW 42nd Street Miami FL [protected]
I speak to my assigned agency pleading my case and letting them know that I filled the questionnaire to the best of my abilities and that the underwriter from State Farm told me such news. The agent says, “too bad there is nothing we can do” … “you were not truthful online”… “State Farm made a decision so that’s too bad” … I WAS APPALLED AND DISGUSTED … why are do Agencies even exist? Are they not there to stand up for their clients and gather facts aside from gathering money for their own benefit? If I am assigned to their agency for service, how can it be that they would not stand up and plea my case to the higher up and ups of the BIG corporation? They left me to lye and die alone on this one…
I do research and call [protected] and speak to Rob Rose (a big honcho at State Farm) and plea my case… he says he would look into it and call me back… he calls me back and tells me to contact my Agency as they have information… I again call and speak to my Agency and they again contact underwriting which says the same thing again… The agency again tells me it’s out of their hands and that there is nothing they can do.

STATE FARM:
1. YOU INSURED ME ONLINE

2. YOU TOOK MY MONEY

3. YOU GAVE ME A POLICY NUMBER

4. YOU TOOK MY DRIVERS LICENSE ONLINE

5. YOU ENCOURAGED ME TO DRIVE AN EXPENSIVE CAR ON THE ROAD WITH MY LITTLE DAUGHTER IN IT WITH NO INTENTION OF TRULY COVERING ME

6. YOU SEND ME NO NOTIFICATION, EMAIL, PHONE CALL REGARDING ANY VERIFICATION OR DENIAL OF COVERAGE

7. YOU GIVE ME A CLAIM NUMBER THE DAY OF ACCIDENT

8. YOU LEAD THE BODY SHOP ON ADVISING YOU WERE SENDING ADJUSTER

10. YOU CALL THE “INSURED” 10 DAYS LATER AND TELL THEM AFTER AN ACCIDENT THAT YOU WILL NOT COVER THEM BECAUSE OF SOME LOOP HOLE YOU HAVE DECIDED TO FIND.
THIS IS UNETHICAL, IMMORAL, DISGUSTING, APPALLING, MEAN… (IT SHOULD BE ILLEGAL!)
YOU…

STATE FARM…

ARE A BIG BULLY!

(COMING FROM A PERSON THAT WILL WORK TO SAVE LIVES FOR THE REST OF HIS CAREER; "I JUST DON'T KNOW HOW YOUR COMPANY CAN ENJOY TAKING THE LIVES, WILL AND SPIRIT OF PEOPLE FOR GRANTED IN ORDER FOR YOU TO MAKE AND SAVE A FEW BUCKS..." )

1. DOES ANYONE HAVE AN ANSWER ON TO HOW I CAN RESOLVE THIS?

2. CAN ANYONE RECOMMEND A GOOD LAWYER TO TALK TO ABOUT THIS?

3. SHOULDN'T THEY BE RESPONSIBLE COVERAGE UP UNTIL THEY NOTIFIED ME ON APRIL 1ST?