Car Insurance: What are your experiences?

That’s exactly why there’s a catch... we need a total overhaul of the justice system first.

If Europe wasn't so terrified of losing its capital, they would have stepped in way sooner.

But here? It’s all just buddies shaking hands behind closed doors. You see it in how judges handle things—like that ridiculous ruling involving that American basketball player and that old creep from Kansas City.

So, until things actually get sorted out... you've gotta watch your back.

As for insurance, it looks to me like State Farm has finally grown tired of all this chatter you guys are making. Now they’re trying to play nice, offering decent service and acting polite just to snatch up clients, unlike the other sharks out there.

The game seems to be: pay out the claim, then have their lawyers try to squeeze the money back out of the other insurance company.

Honestly though, the whole industry feels like one big scam. It’s sickening.

Splitting the blame, nitpicking over tiny details, outright blackmail... it's disgusting.

☕

State Farm - 8 years of legal battles... but that's just the tip of the iceberg... ☕

So yeah, they're fine and polite enough when you first meet them, I guess...

But man, I was especially thrilled with their "service" once. I paid my full collision premium for two whole years without filing a single claim, only for them to hike my policy rate by double in the third year—apparently some directive came straight from the top brass, though why they thought I'd care about that is beyond me... naturally, I didn't stick around for year three. So yeah, overall, my experiences with State Farm haven't been exactly stellar...

Most people just want to settle things under the table. They’ll hunt down some guy they know, pay him cash, and think they're being clever by saving a few bucks.

But let’s be honest—dealing with that crowd is a massive headache. You spend all this time haggling, hunting for parts, and playing detective, all while convincing yourself you actually saved money. It's a joke.

Then the insurance adjuster shows up. "Good morning, how should we handle the repairs?" they ask. And you've got two choices: go with the authorized shop and pay the premium, or take the cash and try to fix it yourself with whatever scraps you can find.

fadedlynx6 said:It’s true they don't have it... but personally, my experience with State Farm has been the best. America is fine, they pay out, just not as much as State Farm... but at least you get your money within fifteen days. That's just how it goes...

Honestly, I’ve had nothing but good vibes from Allstate so far too.. 👍

urbanfox18 said:I know a guy back in the States who got totally screwed by his insurance provider. A buddy of mine had a nightmare with his Skoda RS—water flooded the engine and trashed it. He went through five different agencies trying to get it covered, arguing that the road conditions in Chicago were the culprit and that he had full comprehensive coverage. In the end, they pulled this ridiculous stunt where they claimed that while he has car insurance, the engine itself isn't technically "part of the car" under their specific policy terms. So, they only cut him a check for 75% of what a new engine actually costs. Like, wtf??

My memory is a bit hazy, but there's some truth to it. They classify the engine as a consumable part, which means you can't claim the full amount. Typical.

mistycrane19 said:My memory is a bit hazy, but there's some truth to it. They classify the engine as a consumable part, which means you can't claim the full amount. Typical.

It’s complicated. You don't pay insurance for the sheet metal; you pay for the car's mobility.☕ I've never replaced an entire engine, but back when I was a reckless kid, I totaled my car a few times, and everything under the hood got swapped out without anyone asking questions.

placidfalcon9 said:Most people just want to settle things under the table. They’ll hunt down some guy they know, pay him cash, and think they're being clever by saving a few bucks.

But let’s be honest—dealing with that crowd is a massive headache. You spend all this time haggling, hunting for parts, and playing detective, all while convincing yourself you actually saved money. It's a joke.

Then the insurance adjuster shows up. "Good morning, how should we handle the repairs?" they ask. And you've got two choices: go with the authorized shop and pay the premium, or take the cash and try to fix it yourself with whatever scraps you can find.

I feel the exact same way. I’ve never done cash deals. Every single time, I take my car straight to the authorized dealer. Here are the keys and the State Farm paperwork. You guys can deal with the hassle of extra inspections and chasing down money. Just let me know when the job is done.

It isn't worth the struggle of cutting corners just to have an extra $67 in my pocket. It costs far too much time and stress in the end.

hey,

anyone here dealt with Allstate before? what’s the word on them?

thanks!

granitejackal15 said:It’s complicated. You don't pay insurance for the sheet metal; you pay for the car's mobility.☕ I've never replaced an entire engine, but back when I was a reckless kid, I totaled my car a few times, and everything under the hood got swapped out without anyone asking questions.

Sure, you can drop a brand-new engine in within a month. But what then? Do you really think you can just walk into State Farm and demand they pay for a shiny new one?

mistycrane19 said:Sure, you can drop a brand-new engine in within a month. But what then? Do you really think you can just walk into State Farm and demand they pay for a shiny new one?

Really? You pay for full coverage, smash the car, crack the oil pan—what happens? They fix the bodywork and you just tow the wreck back home?

granitejackal15 said:Really? You pay for full coverage, smash the car, crack the oil pan—what happens? They fix the bodywork and you just tow the wreck back home?

We're talking about flooding here.😉

Honestly, I’ve had a really solid experience with Euro 😁
Grandma ended up rear-ending me, so the police came out to file a report.
The insurance adjuster gave me the choice between $300 or just getting it repaired, and I decided to go with the repair at one of their contracted shops.
It turns out the final bill ended up being around $1000, mainly because they couldn't patch up the bumper like they originally thought and had to buy all new parts instead.
The car was ready in just a single day, and Euro handled the entire payment without any drama.
I'll admit, I was pretty nervous about how the whole thing would play out
Oh, and get this—they didn't even wait for the official police report; they told me it wasn't even necessary.

Jose White18 said:I feel the exact same way. I’ve never done cash deals. Every single time, I take my car straight to the authorized dealer. Here are the keys and the State Farm paperwork. You guys can deal with the hassle of extra inspections and chasing down money. Just let me know when the job is done.

It isn't worth the struggle of cutting corners just to have an extra $67 in my pocket. It costs far too much time and stress in the end.

My uncle actually chose a certified shop because his car was only a year old and still under factory warranty, but then they backtracked on paying out the claim. He had to cover everything himself, only to end up stuck in a legal dispute two years later.

The people claiming they have great experiences with State Farm are usually just dealing with minor claims under a couple hundred bucks, but once you hit the $1,500 mark, the whole story changes.

I've been with State Farm for years now—years. I sent them an inquiry today regarding liability and collision coverage for my new car once it finally arrives—bam! Liability is pretty much what you'd expect, I guess, but for the collision part? They’re basing the price on the full MSRP without any discount! It's unbelievable; they use the sticker price that the dealer never actually sells the car for!!! Because, obviously, they always sell it with a massive discount. Right now $10000, dropping from $157,500.00 down to $127,500.00! Where on earth does that kind of logic come from? A dealer can value a vehicle however they want, but they sell it at the price the market is actually willing to pay! Only we would fall for this sort of thing.

neonfox10 said:You're looking at this from all the wrong angles again—for stuff like this, you can't blame insurance companies. The real issue is the American judicial system, which is basically just a corrupt mess run by people who couldn't find their way out of a paper bag if they tried.
Every insurer has the right to claim their policyholder isn't even remotely at fault in a collision; it’s a standard right, and they use it just like anyone else—nobody is guilty until proven otherwise, after all.
If our courts actually handled simple cases within a month or two, and if the losing party had to foot the entire bill for filing a frivolous lawsuit, then these obvious situations wouldn't even end up in court—or if they did, they'd be too expensive for the person losing the case (which, in this instance, would be the insurer).
The blame for this whole situation lies squarely with the American court system.

I have to agree.
And I can't help but wonder what the SEC is actually doing during any of this... absolutely nothing, it seems... just great...

Hey there,

I’ve got a question—it might be a bit off-topic for this thread, but I’d rather not start a whole new one:

So, over the last year, I’ve been in two accidents—both my fault—driving a car registered to an older relative. Now I'm wondering, when I finally go to register a car under my own name, is the insurance company going to hit me with a massive surcharge because of those incidents? This will be my first time actually being the policyholder.

Thanks in advance,

northernsurfer64 said:I've been with State Farm for years now—years. I sent them an inquiry today regarding liability and collision coverage for my new car once it finally arrives—bam! Liability is pretty much what you'd expect, I guess, but for the collision part? They’re basing the price on the full MSRP without any discount! It's unbelievable; they use the sticker price that the dealer never actually sells the car for!!! Because, obviously, they always sell it with a massive discount. Right now $10000, dropping from $157,500.00 down to $127,500.00! Where on earth does that kind of logic come from? A dealer can value a vehicle however they want, but they sell it at the price the market is actually willing to pay! Only we would fall for this sort of thing.

Every single insurance company calculates premiums based on the manufacturer's suggested retail price, not the discounted one. Nothing new here. If a dealership gives you a 50% discount, then the car isn't being insured at its actual value. They could practically give it to you for a dollar, but you don't think the collision coverage would cost $3.25 then, do you?

Mark Booth7 said:Hey there,

I’ve got a question—it might be a bit off-topic for this thread, but I’d rather not start a whole new one:

So, over the last year, I’ve been in two accidents—both my fault—driving a car registered to an older relative. Now I'm wondering, when I finally go to register a car under my own name, is the insurance company going to hit me with a massive surcharge because of those incidents? This will be my first time actually being the policyholder.

Thanks in advance,

If the NAIC has already logged the claims and processed them through your policy, then yes, you're looking at a surcharge. And lately, they've been incredibly fast at updating their records...

Paul Bishop3 said:If the NAIC has already logged the claims and processed them through your policy, then yes, you're looking at a surcharge. And lately, they've been incredibly fast at updating their records...

Is there any way I can verify this?

Thanks

I guess I'm wondering why he would get a premium increase if he wrecked a car that was actually insured under his dad's name?😕
How could he even get a surcharge if he hasn't even had an insurance policy in his own name yet?

On another note, I might have a question myself, since I was in an accident with my old car—which was registered to me—but that was way back in September 2010.
Now I've been driving this other car for about a year, though it's still on the previous owner's policy which is expiring soon.
I'm curious how those no-claims discounts work, and whether it would affect me at all, since it’s a completely different vehicle and it’s been over a year now.

Best regards,