Avoid State Farm at all costs!!!

Well... my experience with State Farm has been pretty terrible. A car hit me about three months ago—someone insured by State Farm—and even though they were clearly at fault, things have just spiraled into a mess. The people there are incredibly rude and dismissive, too. They’re actually claiming their own adjuster found their client wasn't at fault, despite what the police report says... I can't help but feel like they're just stalling and playing games. Now my case is heading to court, so I'm wondering if hiring a lawyer is the right move, and if this will all actually be resolved before the statute of limitations kicks in...😠

It’s the exact same mess Tina went through...
I was sitting at a red light when some guy insured by State Farm rear-ended me—though he actually got hit by someone else first (it was a chain reaction). The police report finally came in, but they just sent everything over to the municipal court without actually naming who's at fault. Now, State Farm is refusing to pay out my claim because they've decided their policyholder isn't liable, and they’re just sitting on their hands waiting for a court ruling—which they say could take at least a year...
So, what am I supposed to do? Just gift my car to the repair shop where it's currently sitting? I don't have the cash to pay the bill and get it back...

Honestly, I’m losing my mind dealing with all this endless back-and-forth between insurance companies, mechanics, and the cops.

I’ve been sitting around waiting eight whole months for a payout from State Farm. Honestly, some of the local mechanics wouldn't even take my car in because they knew I wasn't going to see a dime anytime soon. First, they drag their feet with their annual reviews, then they try to pressure me into accepting 56% of the blame, and then—just a month later—they suddenly suggest it's only 34%... all just so their policyholder doesn't have to "feel" guilty. You know, so he doesn't *feel* bad about it...

On top of that, I actually went out of my way to make sure the police didn't file an official report, just so the guy responsible wouldn't get slapped with extra fines. Looking back, I really regret not heading straight over to the hospital to demand accountability... total thieves.

Samuel Kelly78 said:I’ve been sitting around waiting eight whole months for a payout from State Farm. Honestly, some of the local mechanics wouldn't even take my car in because they knew I wasn't going to see a dime anytime soon. First, they drag their feet with their annual reviews, then they try to pressure me into accepting 56% of the blame, and then—just a month later—they suddenly suggest it's only 34%... all just so their policyholder doesn't have to "feel" guilty. You know, so he doesn't *feel* bad about it...

On top of that, I actually went out of my way to make sure the police didn't file an official report, just so the guy responsible wouldn't get slapped with extra fines. Looking back, I really regret not heading straight over to the hospital to demand accountability... total thieves.

Isn't the standard turnaround supposed to be two weeks?

Alexander Sanchez33 said:Isn't the standard turnaround supposed to be two weeks?

That's the rule, and pretty much every insurance company sticks to it. Well, except for Allstate, State Farm, and Sun. People actually report them to Deloitte for missing deadlines and being shady with claims processing. Sure, they get fined, but it doesn't change a thing.

Avoid them at all costs!

I'm thinking about switching over to State Farm. Doesn't anyone else have great things to say about them?

I didn't really have any specific demands or anything, so I'm pretty happy with how things have gone so far.

I needed to get some windshield wipers replaced and also had to swap out the windshield because a stray pebble left a little chip in it, but the whole process was seamless. I stopped by their office, filled out the paperwork explaining what happened, the guy there took a few quick photos, and then I just headed over to the repair shop where they installed the new glass, and that was really it.👍

Thanks for the reply! I have one more question if anyone can help me out. Is there any rule saying my collision coverage and my liability insurance have to be with different companies?

irongardener18 said:Thanks for the reply! I have one more question if anyone can help me out. Is there any rule saying my collision coverage and my liability insurance have to be with different companies?

Not at all! In fact, it’s usually much better to bundle them together. You often get a nice little discount on your collision premium if you use the same carrier for both your liability and full coverage. At least, that’s how it works for me with State Farm.🤷

irongardener18 said:I'm thinking about switching over to State Farm. Doesn't anyone else have great things to say about them?

Their lawyers are solid, though. Once you try to take them to court, good luck—most cases just end up dragging on forever.

The legal team is definitely 🙏 🙏 🙏 top-notch.

I’d steer clear of State Farm if I were you—honestly, I'm telling everyone I know. Everything being said on this Forum is spot on.
But look, sometimes you just have no choice when one of their policyholders slams into you.
I had my own run-in where they actually tried to offer me used parts for my car repairs. I couldn't believe my ears, so I double-checked to make sure I heard them right.
And the answer was basically: "Since your car isn't brand new, we aren't paying full price for new parts." I won't even get into the weeds about how they wouldn't even cover
half the damage. Not to mention how much they drag their feet. The way they operate is a total disgrace.

I wouldn't touch State Farm or Euroherc !!!!!! with a ten-foot pole if my life depended on it.

blueridge32 said:Their lawyers are solid, though. Once you try to take them to court, good luck—most cases just end up dragging on forever.

The legal team is definitely 🙏 🙏 🙏 top-notch.

Look, I'm not trying to stick up for Chase, but this has to be one of the wildest takes I've seen on this entire forum.
Talking about statutes of limitations in civil law? Man, if you let your case expire like that, you basically have no one to blame but yourself.

Chloe Roberts4 said:I wouldn't touch State Farm or Euroherc !!!!!! with a ten-foot pole if my life depended on it.

There is still insurance available through the Chase conglomerate.😬

I’ve only ever dealt with one insurance claim, and that was through State Farm.

Whenever I told people my car had been hit by someone insured with State Farm, the typical response was, "You'll never see a dime," or something along those lines.

Here’s how it went down:
My car was damaged in an accident—it was just sitting there in a parking lot. The police showed up to investigate, and in the official report (which I checked later), they clearly stated the driver, X. Y., was at fault (and they were insured through State Farm).

I wasn't even home at the time, so I had no idea what kind of shape my car was in. 😁

After I finally got back home about ten days after the accident, I headed down to the police station to pick up the incident report. Of course, our local police department isn't exactly known for its speed; it took them about twenty days to get everything processed.

Once I finally had that report in hand, I went to State Farm to get the damage assessed. 😬
There, I filled out some paperwork, the adjuster took photos of the vehicle, and mentioned the assessment should be ready within two weeks at most. At that point, I could decide whether to have them fix the car and bill them directly, or just take a cash settlement. Honestly, I have to hand it to the adjuster—very helpful, polite, and professional. 🙂

About ten days later, the assessment arrived in my mailbox (two copies of the agreement).

I signed the contract (since I was happy with the amount offered😁) and dropped it off at the State Farm office. They told me the funds would be in my account within a week.

And so it was! 🙏

I don't know how other insurance companies handle things, but as far as State Farm goes, you really couldn't ask for a faster or simpler process. 🙂

I remember once being told by a gentleman over at Allstate that their court ruling didn't actually obligate them to adjust the payout amount. It was a strange situation—the police report originally placed me at 50% fault for the accident, which I eventually managed to successfully dispute in court. Despite that victory, Allstate still tried to offer me only half of the damages, stubbornly clinging to that initial police report as if it were gospel.
granted, I did eventually receive a settlement for my injuries after a lawsuit that dragged on for about three years, but still...

Jason Campbell70 said:I’ve only ever dealt with one insurance claim, and that was through State Farm.

Whenever I told people my car had been hit by someone insured with State Farm, the typical response was, "You'll never see a dime," or something along those lines.

Here’s how it went down:
My car was damaged in an accident—it was just sitting there in a parking lot. The police showed up to investigate, and in the official report (which I checked later), they clearly stated the driver, X. Y., was at fault (and they were insured through State Farm).

I wasn't even home at the time, so I had no idea what kind of shape my car was in. 😁

After I finally got back home about ten days after the accident, I headed down to the police station to pick up the incident report. Of course, our local police department isn't exactly known for its speed; it took them about twenty days to get everything processed.

Once I finally had that report in hand, I went to State Farm to get the damage assessed. 😬
There, I filled out some paperwork, the adjuster took photos of the vehicle, and mentioned the assessment should be ready within two weeks at most. At that point, I could decide whether to have them fix the car and bill them directly, or just take a cash settlement. Honestly, I have to hand it to the adjuster—very helpful, polite, and professional. 🙂

About ten days later, the assessment arrived in my mailbox (two copies of the agreement).

I signed the contract (since I was happy with the amount offered😁) and dropped it off at the State Farm office. They told me the funds would be in my account within a week.

And so it was! 🙏

I don't know how other insurance companies handle things, but as far as State Farm goes, you really couldn't ask for a faster or simpler process. 🙂

Come on, even they can pull it together and settle a claim properly once in a while. 👏 Usually, though, they give you way more grief over personal injury stuff than property damage like car accidents.

mellowgull80 said:There is still insurance available through the Chase conglomerate.😬

You make a valid point; there is Sun Insurance along with several other minor players out there. 🤷

I spent half an hour typing out this comment only for it to vanish, like, it just totally wiped itself because I got kicked offline or something.

Long story short:
The whole conglomerate is owned by the Grgić family from a small town down south.
The entire conglomerate is completely immoral and ethically bankrupt.
They have this massive web of corruption running through everything. Word on the street from unofficial lawyers and claims adjusters is that the conglomerate bribe every single expert and judicial official they can find, so you can barely find a decent lawyer willing to take a case against them. Even debt collection agencies and claim specialists won't touch cases where they are the defending party.

It’s all about that flashy, high-end prestige. The executives are driving around in AMG Mercedes, Porsches, Panameras, and Maybachs—all funded by predatory insurance policies. One director even cruises around in a 6.3 AMG official vehicle, and honestly, good for him, but maybe he should try being a decent human being and actually act ethically if he wants to keep those perks... though I doubt it'll happen that easily, because the big boss would probably throw a fit if he had a sudden St. Paul moment and demote the director to a VW Polo. haha.

Where did all the ethics and morality go, and why is this conglomerate so heartless? Is this kind of thing happening everywhere globally or is it just their specific brand of evil?

Look, I want them to make plenty of money, but not by scamming everyday Americans and refusing to pay out legitimate claims that are fully covered by the total number of policies sold in the US.
That multi-million dollar profit could exist even if they actually paid out real claims. Actuaries set policy prices based on things like the total number of vehicles in the US, their value, and accident rates, all aiming for a massive profit margin after expenses and reserves. So yeah, it's fine if premiums go up, but at least be honest with the poor people who actually suffered losses.

Why are you guys so damn greedy? Seriously, you don't even have to be "good" or "moral," just stick to the contracts people signed and follow the Law of America.

But then again, why bother? Even employees within the conglomerate admit they get part of their pay in blue envelopes. They probably hide it under travel expenses or local mileage reimbursements.
Here's a tip for the IRS, assuming they haven't been bribed too.😉

If people are unhappy, they can file a complaint with the American Insurance Agency, but can you imagine the irony?
The head of the American Insurance Agency is also the CEO of Euroherac... ha hahah, Sanders would have loved that setup.👍

I’m just asking everyone who actually cares about their fellow citizens: please don't buy liability policies from Euroherac or State Farm, because it basically ensures that anyone caught in an accident won't get their payout. If you get collision coverage from them, you're just hurting yourself, but liability issues end up bankrupting other people. Let's not ruin people's lives.
There are plenty of much more honest companies out there, like Allianz or State Farm, so please think about that.

Thanks for understanding.

Best regards,
redmason45

redmason45 said:I spent half an hour typing out this comment only for it to vanish, like, it just totally wiped itself because I got kicked offline or something.

Long story short:
The whole conglomerate is owned by the Grgić family from a small town down south.
The entire conglomerate is completely immoral and ethically bankrupt.
They have this massive web of corruption running through everything. Word on the street from unofficial lawyers and claims adjusters is that the conglomerate bribe every single expert and judicial official they can find, so you can barely find a decent lawyer willing to take a case against them. Even debt collection agencies and claim specialists won't touch cases where they are the defending party.

It’s all about that flashy, high-end prestige. The executives are driving around in AMG Mercedes, Porsches, Panameras, and Maybachs—all funded by predatory insurance policies. One director even cruises around in a 6.3 AMG official vehicle, and honestly, good for him, but maybe he should try being a decent human being and actually act ethically if he wants to keep those perks... though I doubt it'll happen that easily, because the big boss would probably throw a fit if he had a sudden St. Paul moment and demote the director to a VW Polo. haha.

Where did all the ethics and morality go, and why is this conglomerate so heartless? Is this kind of thing happening everywhere globally or is it just their specific brand of evil?

Look, I want them to make plenty of money, but not by scamming everyday Americans and refusing to pay out legitimate claims that are fully covered by the total number of policies sold in the US.
That multi-million dollar profit could exist even if they actually paid out real claims. Actuaries set policy prices based on things like the total number of vehicles in the US, their value, and accident rates, all aiming for a massive profit margin after expenses and reserves. So yeah, it's fine if premiums go up, but at least be honest with the poor people who actually suffered losses.

Why are you guys so damn greedy? Seriously, you don't even have to be "good" or "moral," just stick to the contracts people signed and follow the Law of America.

But then again, why bother? Even employees within the conglomerate admit they get part of their pay in blue envelopes. They probably hide it under travel expenses or local mileage reimbursements.
Here's a tip for the IRS, assuming they haven't been bribed too.😉

If people are unhappy, they can file a complaint with the American Insurance Agency, but can you imagine the irony?
The head of the American Insurance Agency is also the CEO of Euroherac... ha hahah, Sanders would have loved that setup.👍

I’m just asking everyone who actually cares about their fellow citizens: please don't buy liability policies from Euroherac or State Farm, because it basically ensures that anyone caught in an accident won't get their payout. If you get collision coverage from them, you're just hurting yourself, but liability issues end up bankrupting other people. Let's not ruin people's lives.
There are plenty of much more honest companies out there, like Allianz or State Farm, so please think about that.

Thanks for understanding.

Best regards,
redmason45

Yeah, because things in America are just so damn honest.