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State Farm Insurance - Anything to not pay a claim . . .
Auto Insurance - Complaint
Review by JISCal2 on 2012-07-06
Rating: 
I understand that things like this happen, but this is about credibility and people knowing that they should be doing the right thing.
About a month ago while out during my lunch break my car was 'dinged' by a car that parked next to mine. The ding was so big that while walking past the rear of my car to get to the drivers side I could see the damage. I was of course surprised and I looked at the parked car next to mine and there was a significant amount of the paint from my car (a huge chip of it) along with another minor amount of the paint on his door. The driver of the other car did not leave a note so of course I took pictures and contacted my insurance.
State Farm was able to track down the owner/driver of the vehicle using the plate information that was provided in the photos. Fortunately for me (or so I thought) was that he has State Farm as well. He denies being at the place of business where the damage was done. That lie didn't pay off as I have pictures of the damage as well as pictures of his license place and the insurance company would have had no way to contact him otherwise.
Second, he was a no show to the appointment that he set up with State Farm to have his vehicle inspected. Gee, maybe enough time to have his door buffed out and my paint removed from his door?
Long story short, they sided with someone who definitely lacked credibility and denied the claim stating that there were no witnesses. They also denied making a claim on my comprehensive insurance (to waive the deductible) because they said the damage was done by another car door, just not his car door. How convenient!
To a certain extent I understand their point. If there were no pictures, if the other gentleman had been more credible by not lying about being at the scene and had he shown up for his inspection I would be able to see how State Farm came to this decision. To me, State Farm was fighting to avoid paying out and I am the casualty in their decision.
My State Farm agent did his best to have this decision reversed, to no avail. Unfortunately he lost a customer with more than one policy because his parent company wouldn't pay an $800 claim.
About a month ago while out during my lunch break my car was 'dinged' by a car that parked next to mine. The ding was so big that while walking past the rear of my car to get to the drivers side I could see the damage. I was of course surprised and I looked at the parked car next to mine and there was a significant amount of the paint from my car (a huge chip of it) along with another minor amount of the paint on his door. The driver of the other car did not leave a note so of course I took pictures and contacted my insurance.
State Farm was able to track down the owner/driver of the vehicle using the plate information that was provided in the photos. Fortunately for me (or so I thought) was that he has State Farm as well. He denies being at the place of business where the damage was done. That lie didn't pay off as I have pictures of the damage as well as pictures of his license place and the insurance company would have had no way to contact him otherwise.
Second, he was a no show to the appointment that he set up with State Farm to have his vehicle inspected. Gee, maybe enough time to have his door buffed out and my paint removed from his door?
Long story short, they sided with someone who definitely lacked credibility and denied the claim stating that there were no witnesses. They also denied making a claim on my comprehensive insurance (to waive the deductible) because they said the damage was done by another car door, just not his car door. How convenient!
To a certain extent I understand their point. If there were no pictures, if the other gentleman had been more credible by not lying about being at the scene and had he shown up for his inspection I would be able to see how State Farm came to this decision. To me, State Farm was fighting to avoid paying out and I am the casualty in their decision.
My State Farm agent did his best to have this decision reversed, to no avail. Unfortunately he lost a customer with more than one policy because his parent company wouldn't pay an $800 claim.
Comments:
Posted by Wally86 on 2012-07-06:
Wow that that stinks John. I have heard a lot of good things about state farm but looks like they dropped the ball here. (VH)
Posted by trmn8r on 2012-07-06:
I love State Farm and have never had an issue with having work done and paid for at a shop of my choice. I can see why you aren't happy here.
I don't see that they took "sides" so much as they didn't agree you had proper proof. If the police had been called and a report made, that very well have made a difference.
I don't see that they took "sides" so much as they didn't agree you had proper proof. If the police had been called and a report made, that very well have made a difference.
Posted by JISCal2 on 2012-07-06:
Thanks, Wally. I think they dropped the ball too.
trm, I see your point. Felt kinda silly to call them out and waste resources for something like this when they could be doing other more important things. Hindsight is 20/20. Next time I will.
trm, I see your point. Felt kinda silly to call them out and waste resources for something like this when they could be doing other more important things. Hindsight is 20/20. Next time I will.
Posted by Wally86 on 2012-07-06:
Think the only appropriate time to call the police is if it happens on the road or the driver bails.
Posted by madconsumer on 2012-07-06:
what would be evidence to prove it was the other vehicle, would be to have a picture of the other vehicle and yours, and the business in the same frame. that would be hard to dispute.
Posted by DebtorBasher on 2012-07-07:
Sorry about your car. I have had State Farm for my car and renters insurance...my Parents also always had State Farm and we never had any issues with them at all....but then again (knock on wood) we never had to make a claim and that may be the reason. Oh, yeah my Mom did make ONE renter's insurance claim for some some collectables that were damaged by water in the basement. She just took pictures and some proof of their current value and she collected on it.
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