Unfortunately, the insurance company only has the obligation to pay you fair market value for your vehicle. They do get to decide if your car is a total loss. You have no say so in the matter unless you want to accept salvage for your vehicle. You want to go to edmunds.com and NADA.com used car guides. They might reconsider the fair market value if you can show them just cause. DO NOT USE KELLY BLUE BOOK!
Hi pibull63...Most likely something about your situation changed, driving record etc. Make sure that the DMV has the correct information. State Farm cannot charge you higher rates just because. Also, you cannot claim that you were not notified if the company has your correct address. By law, they will automatically send you notification when a policy is going to cancel or has been suspended.
Erik Morris is not too bright...(as identified by his grammar). I am glad that the agent's office responded to him. I guessed before I read the explanation that he gave them the wrong information. Also, if he had a good experience with another State Farm agent, why would he leave the company? I could understand if he just wanted to switch agents. State Farm probably won't miss you and your 6 friends.
Insurance companies cannot suspend your license. I believe you are a liar, and you did not have sufficient insurance to repair this guy's vehicle. You should be incarcerated. I am tired of idiots like you causing damage without proper insurance.
I will give them a free answer...You have to determine if the pension was saved before or after taxes. If it was before taxes, I am sorry, but you are going to have to pay the taxes now. Since your husband is a former State Farm Agent and probably licensed to sell securites products during that time, he should understand that. Hire a tax professional!
Gary...blame your agent. They are notified by the company when pictures are required, and they are supposed to make an appointment with you to take them.
It is hard to believe that a tree fell on a nice clear day. Did it die?
Was it a lack of maintenance? Did you have a busted seal which allowed water in? The adjuster might have a point.
If a third vehicle hits a second vehicle, and the second vehicle hits yours, the third vehicle is responsible for the chain reaction. Sorry, but you don't have a leg to stand on.
On your second issue, I am glad that you were eventually paid, but normally someone isn't negligent (which is what it takes to have a liability claim) just because of a dishwasher malfunction. You should have a condo insurance policy that protects your property.
I would like to help too, because I agree with the above assessment. Is there something you are not telling us? State Farm does not have a contract with you until it is approved by an underwriter.
It is universal among insurance companies that provide coverage for permissive use, that any driver must have permission!
If you were bright you would understand two things.
"Once I was in Richardson, I set out to find myself a new State Farm agent, I have been went State Farm in MI for three years."
1. Bright people do not structure their sentences like this.
2. You switched companies instead of just requesting a new agent in your area, and then you badmouthed the company that took good care of you, because of your particular agent.
This is ###ed...and you definitely sound like a Geico client. You should definitely stick with them.
Erik, how about you take responsibility for not having sufficient funds in your account to cover payments you agree to, you deadbeat.
Good...I just want you to know how it feels when you go around defaming people online.
No...I do not work for him, and I don't live anywhere near either of you. But I do know a couple of things from the accounts.
1. Regardless of whether the money was properly removed from your account or not, you were still being insured by State Farm during this time. There is no reason for the agent (and in some states it is illegal) to refund you any type of money. You demanding that, is what set me off earlier. You have no right to any type of refund, and you must pay for your insurance.
2. It is apparrant that an auto withdrawal was attempted on the 16th to no avail. Question: Did you provide a voided check from the account. If you did, then the attempt was made correctly and either your bank screwed up or you did.
3. Richard Handley seems like a fair guy. He posted an apology to you after you ripped him and his agency. He also posted that using proper grammar. As an outside observer, and nothing else to go on, I am much more inclined to believe Mr. Handley than you.
Every insurance company now handles water losses on a case by case basis. I am sorry that happened to you, but you can appeal with the company. You can also go to the insurance board of your state. If the insurance board sides with State Farm, they probably have a legitimate reason to decline the claim.
Hey Just Meow,
Your problem is easily fixable. If you are on a monthy payment plan, even if you cancel your insurance and the agent processes the cancellation, your monthly plan will still pull because your policy and your payment plan are two separate things. You should see a credit on next month's statement, or if that is your only policy with State Farm, you will receive a refund.
Dear Dave,
I am very sorry to hear about your Dad, and I understand your frustration involved with this situation.
I am not employed by State Farm, but I have some knowledge of claims experience.
On your first point, I cannot tell from what you typed if you had damage to your garage or not. If you had no damage to the garage, there would be no reason for State Farm to pay for a repair. But, if you had damage due to hail to that garage State Farm will pay up to 10% of the dwelling replacement cost.
Contact your agent and ask him or her how to go about obtaining reimbursement. The letter you received should allow you to appeal any decisions to the State Farm review board. In working with State Farm I have found 90% of claims issues to be a result of bad communication, and that is where the agent can help you.
As to your second point, unfortunately, State Farm will not insure a vacant home, and that is why it is being cancelled. I don't believe that State Farm is trying to be mean here or cause you any hardship. Insurance companies are highly regulated, and if State Farm insures one vacant property, they have to consider all vacant properties.
I am sorry that you have to pay more, but you can go back to paying less if you put a renter in the home or live in the home yourself.
I hope I have been helpful to you.
Always ask a broker where they are insuring your vehicles, and check those coverages with AMBEST. You are much better off with an agent rather than a broker. Agents usually provide excellent service and they don't charge a broker fee.
Hi Lisa,
I work for a State Farm Agent in California, and I want to preface the next statement by stating that rules are different in each state.
Unless you had an accident without insurance, State Farm should be able to reinstate the coverage.
That employee should have required the cancellation in writing. It eliminates costly mistakes.
Here is the number to State Farm's Corporate office:
[protected]
Hope this helps!
I am sorry, but from what you wrote, your husband is at least partly at fault for the accident. Regardless of the reason a driver stops, the vehicle behind him must stop as well. Your husband was obviously at least partly at fault because the police officer issued him a citation for following too closely.
You should always have comprehensive and collision coverage with your own insurance company if you are worried about fixing or replacing your vehicle.
You have the right to take the other driver to small claims court if you feel that you are still in the right.
You indeed were not given the correct information in the first place. The bad news is, the higher rate is correct. You have to be married to your girlfriend or you have to be an owner of her vehicle in order to get the multi-car discount.
A State Farm Agent does not have the ability to say "my bad" and give you the discount anyway. It is against the law. They have to rate you properly. It is also illegal for the Agent to pay the extra portion of your premium.
I have State Farm Insurance, and I will tell you that they are always rated right near the top when it comes to insurance companies. Sometimes human error creates a bad situation. I don't believe that Cilia did that intentionally.
Sorry that happened to you.
That sucks that that happened to you, but it is not State Farm's fault. State Farm will deny all claims involving unlicensed drivers.
Other insurance companies will deny claims if the vehicle is being driven by someone not on the policy.
The fault of this situation lies with the vehicle owner.
Check your insurance policy. You may have uninsured motorist coverage. Place the claim through that coverage and have your insurance company go after the guilty party.
Even if you don't have collision coverage for your vehicle, the Uninsured Motororist will usually pay up to $3, 500 for your repair. CHECK YOUR POLICY!
This story sounds like a weird situation to me, but having proper coverage on your home is a good idea. If you are underinsured, you may be out thousands of dollars if you ever have a claim.
