Avoid State Farm at all costs!!!

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

Maybe that was a sign that I shouldn't have written this! 😕

Look, insurance is a business that survives on selling policies, not on paying out claims.
Whether it's Herc, JO, or GEICO, there will always be some people who come out ahead and others who lose. There are always loopholes and excuses—that's just how it works everywhere.

As for the fleet, salaries, and staff at the Ag conglomerate... I spent a few years working there. I didn't exactly leave on the best terms, so I could go on forever about it, but there are plenty of people there who earned their cars through hard work and just do their jobs honestly! And regarding those "blue envelopes," 😂 redmason45, they aren't the first or last case you'll hear about, but those kickbacks aren't nearly as common as everyone thinks, nor are the amounts as huge as the rumors suggest.

Hey Kyle Doyle2,
The insurance industry is basically built on moving policies rather than actually paying out claims.
It’s honestly just like saying a car dealership survives by selling cars instead of actually getting them delivered to the customers, because obviously you’re going to take their money, but it goes without saying that you actually deliver the goods you promised—which, in this case, means paying out the coverage when something goes wrong, since the whole principle of mutual exchange is what keeps any business running.
I don't think I've ever read anything more nonsensical than the reasoning you laid out there, so you definitely win the Darwin Award 2011 for that one.

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

Insurance is an industry where everyone has an opinion, yet very few actually understand the mechanics behind it.
Regarding the comments being made, I have pulled the 2010 report comparing the loss ratios between State Farm and Allianz. It seems redmason45 believes Allianz is the superior choice; however, here are the actual figures regarding auto liability:

Allianz
Gross premiums earned: $232 million
Gross claims paid: $112 million
Ratio: 2.07

State Farm:
Gross premiums earned: $450 million
Gross claims paid: $201 million
Ratio: 2.23

Frankly, I don't see a significant discrepancy here.

It isn't black and white; neither Allianz nor State Farm is perfect. I personally know individuals who received laughably inadequate settlements from Allianz after filing a claim.
The US is great, I agree. BUT, it will only remain so as long as certain institutions stay state-run—because then nobody is truly held accountable. That might be a slight exaggeration, but that is the reality.
Whenever private capital is involved, the ratio shifts entirely toward "realized profit."

I was in a collision with someone insured by State Farm.
The police showed up—this lady cut me off right in front of them, so the police report puts the blame squarely on her. They even took photos of the damage to my car.
Just to be clear, I wasn't doing any stunts—I wasn't riding on two wheels or anything like a stunt driver🙂 but when I hit her wheel with mine, the right side of my car practically launched into the air.

Now, regarding the damages: State Farm’s initial notice said they’d cover the fender, the bumper repaint, and the rim. But get this—they want to apply a 50% depreciation hit to my tire just because it’s from 2009. Plus, they want to check the alignment because I can hear the CV joint clicking, the car pulls to the left, the suspension makes noise whenever I hit bumps, and there's this engine vibration traveling through the whole chassis.
My logic was simple: you have to check the alignment to actually figure out what got trashed in the crash.

I dropped the car off at the shop on Thursday. I swung back on Monday to check the progress, but since the car wasn't in the bay, I couldn't actually see it.
The guy tells me everything looks fine, except apparently both CV joints are shot. Then he drops the bombshell: an adjuster came by today and decided they aren't paying for those parts. Now they’re saying I need to hire a court-appointed expert just to prove the CV joints were damaged in the accident.
To make matters worse, the guys at the shop were trying to convince me that the ball joints and tie rods weren't damaged at all.
???
I don't see why I should be footing the bill for a legal expert. That’s exactly why I towed the car to an authorized Mazda dealership—I assumed they’d actually know what they’re doing when it comes to technical damage. (Honestly, if Japanese manufacturers don't pull their licensing from these incompetent shops, they’re going to lose their entire customer base.)😠
To cut a long story short: I got my car back, and they didn't fix a single thing mechanically. In the end, they just replaced the wrong wheel—the one that *wasn't* involved in the wreck—and then performed an alignment on a car with a broken setup.
It was just one shock after another.
Then comes the kicker: the receipt for the alignment was from a local budget shop in a small town. This means even though I paid to have it towed to an authorized dealer, they were outsourcing the work to cheap third-party garages. And since I couldn't see the car while it was being worked on, I'm seriously questioning where they actually did the bodywork.

Japanese cars are famous for being reliable, so I figured I wouldn't have issues using a certified service center. Boy, was I wrong.

My car is basically a wreck now. Sure, the bodywork looks fresh and shiny, but the entire undercarriage—maybe even the frame—is trashed. Every day I hear that CV joint clicking or that rattling sound, it drives me insane.
At this point, I realize I’m hitting a dead end with the insurance company; the situation is pretty much set in stone. The only move left is to talk to my lawyer about suing the woman who caused the accident to recover my losses.
My advice to you is this:
If you drive a Mazda, stay far away from that authorized dealership on Main Street. It’s obvious they’re in bed with State Farm; they barely do any work in-house and just outsource everything to cheaper shops.
If you ever get into an accident with someone insured by State Farm, go get a damn good lawyer immediately. It's better to pay a professional$167 to handle it than to try and DIY it yourself, because they won't take you seriously.
And second, don't insure your car with State Farm. You might end up in a spot where the other driver sues *you* because your insurance refuses to cover the actual damage.
State Farm Sucks!

Yeah, they’re pretty weird, aren't they?

Honestly, the best way to judge things is by looking at what *isn't* being talked about on these forums.
Nobody’s out here rushing to write a glowing review of an insurance company just because they actually paid out a full claim—it’s not exactly top of mind when you're relieved the headache is over.
On the flip side, the people who got absolutely burned? They’ll make sure everyone knows about it.
So, don't bother coming at me with statistics about premium volumes or how much profit one company made versus payouts this year.
Save that stuff for Wall Street and your stock portfolios.
If you spend five minutes actually surfing the web, you'll quickly spot which companies keep popping up—usually accompanied by a mountain of negative feedback.
And let's be real: if you see someone singing their praises, there's a high chance they work for the company. So, screw that.

I did a little digging into what redmason45 mentioned regarding the FINRA and Euroherc situation.
It’s another absolute disgrace that the same individual manages to hold a "monopoly" over everything.
redmason45 👍

Here’s some official paperwork for you guys; it's the ruling from FINRA acting as the insurance regulator, basically confirming that State Farm hasn't been playing fair when it comes to processing claims.

crimsonbadger432 said:I was in a collision with someone insured by State Farm.
The police showed up—this lady cut me off right in front of them, so the police report puts the blame squarely on her. They even took photos of the damage to my car.
Just to be clear, I wasn't doing any stunts—I wasn't riding on two wheels or anything like a stunt driver🙂 but when I hit her wheel with mine, the right side of my car practically launched into the air.

Now, regarding the damages: State Farm’s initial notice said they’d cover the fender, the bumper repaint, and the rim. But get this—they want to apply a 50% depreciation hit to my tire just because it’s from 2009. Plus, they want to check the alignment because I can hear the CV joint clicking, the car pulls to the left, the suspension makes noise whenever I hit bumps, and there's this engine vibration traveling through the whole chassis.
My logic was simple: you have to check the alignment to actually figure out what got trashed in the crash.

I dropped the car off at the shop on Thursday. I swung back on Monday to check the progress, but since the car wasn't in the bay, I couldn't actually see it.
The guy tells me everything looks fine, except apparently both CV joints are shot. Then he drops the bombshell: an adjuster came by today and decided they aren't paying for those parts. Now they’re saying I need to hire a court-appointed expert just to prove the CV joints were damaged in the accident.
To make matters worse, the guys at the shop were trying to convince me that the ball joints and tie rods weren't damaged at all.
???
I don't see why I should be footing the bill for a legal expert. That’s exactly why I towed the car to an authorized Mazda dealership—I assumed they’d actually know what they’re doing when it comes to technical damage. (Honestly, if Japanese manufacturers don't pull their licensing from these incompetent shops, they’re going to lose their entire customer base.)😠
To cut a long story short: I got my car back, and they didn't fix a single thing mechanically. In the end, they just replaced the wrong wheel—the one that *wasn't* involved in the wreck—and then performed an alignment on a car with a broken setup.
It was just one shock after another.
Then comes the kicker: the receipt for the alignment was from a local budget shop in a small town. This means even though I paid to have it towed to an authorized dealer, they were outsourcing the work to cheap third-party garages. And since I couldn't see the car while it was being worked on, I'm seriously questioning where they actually did the bodywork.

Japanese cars are famous for being reliable, so I figured I wouldn't have issues using a certified service center. Boy, was I wrong.

My car is basically a wreck now. Sure, the bodywork looks fresh and shiny, but the entire undercarriage—maybe even the frame—is trashed. Every day I hear that CV joint clicking or that rattling sound, it drives me insane.
At this point, I realize I’m hitting a dead end with the insurance company; the situation is pretty much set in stone. The only move left is to talk to my lawyer about suing the woman who caused the accident to recover my losses.
My advice to you is this:
If you drive a Mazda, stay far away from that authorized dealership on Main Street. It’s obvious they’re in bed with State Farm; they barely do any work in-house and just outsource everything to cheaper shops.
If you ever get into an accident with someone insured by State Farm, go get a damn good lawyer immediately. It's better to pay a professional$167 to handle it than to try and DIY it yourself, because they won't take you seriously.
And second, don't insure your car with State Farm. You might end up in a spot where the other driver sues *you* because your insurance refuses to cover the actual damage.
State Farm Sucks!

I mean, what does rolling down your windows have to do with your car crash??? I guess we should just try to shove as much as possible onto the insurance company, right? 🙂

granitescout12 said:I mean, what does rolling down your windows have to do with your car crash??? I guess we should just try to shove as much as possible onto the insurance company, right? 🙂

I see the State Farm employees are signing up to defend the company—especially granitescout12, my dear granitescout12, since you haven't commented on anything else on this forum.

http://imageshack.us/f/845/limorsametlomuguzici.png/

And doing it during business hours too, granitescout12.

Listen, granitescout12, you can take this broom and shove it...

I have one photo to show you, and if I find a better one, I'll send it over.

http://imageshack.us/photo/my-images/7/lgim0001k.jpg/

As you can see, it's the intersection at Main Street—and just to clear up any confusion for the readers, I drive a Mazda.
You can see a scrape on the road right behind the car, which I made with my front left tire while I was basically driving on two wheels—are you following me, granitescout12, or should I draw you a diagram?
To be driving on two wheels, I clearly hit something (go ahead, tell me I was speeding, granitescout12, I know it takes you a second to process things).

There’s another car in the shot that’s insured through State Farm (that's your customer, granitescout12).

Basically, the lady cut me off and we collided—my front right wheel hit her front left—and the impact sent my passenger side flying into the air.

Since we all know the front end has three engine mounts connected to the chassis, granitescout12, it's a good thing the window didn't shatter from the impact. That would have been great for you, granitescout12, wouldn't it? You'd be looking for a total loss payout.
Now, every time I hit a turn, left or right, I hear the window rattling (I'm just wondering when it's actually going to crack).
Looking at the photo, the car doesn't look wrecked, even though I put everything I could into it—actually, I poured another $2,000 into it.
Whether the bodywork is properly aligned or not, I don't even know yet. Did they fix the alignment when they replaced the wrong wheel? It just shows how shady those people at the dealership were—they just phoned it in over at the local shop instead of fixing it properly themselves.

So, granitescout12, screw you...!
How can you even comment on something you didn't witness?

RUN FOR THE HILLS AND DON'T LOOK BACK!!!!!!!!!! Seriously, State Farm, Allianz, Euroherc... they're all just puppets for Dubravko Grgić, that self-proclaimed "insurance king." Their whole philosophy is basically "take everything and give back nothing." I've been stuck in court battles for ten years now after an accident left me in a wheelchair. And what do they do? They spout nonsense and use every dirty legal trick in the book just to drag things out. It's a calculated move to drain victims—both financially and emotionally—until they're desperate enough to settle for pennies. Doesn't matter if you're their policyholder or just a victim hit by one of their clients. You WON'T see a dime without a grueling, endless legal fight. Or maybe you will, but it definitely won't be the amount you actually deserve!!!!!!!!

This is absolutely wild

Go ahead, read up on this guy right here or just Google his name...

I really need some advice here if anyone knows what they're doing. Maybe someone else has dealt with something like this before.

So, my husband was pulling into a parking spot, and since it was pitch black out—basically zero visibility—he clipped a parked truck and damaged our car. He did everything by the book: notified the truck owner immediately and called his insurance company right away. They told him to come in for an assessment the very next day.
He went through the whole process, meeting with the insurance adjuster and then heading to an authorized service center. At the insurance assessment, they told him everything looked fine and just to wait a few days for the official report. Meanwhile, the service center estimated the repairs would be around $3333 because several parts need replacing. But now, out of nowhere, the insurance company is claiming the damage is worth 20-30 thousand dollars, saying it’s too much, and they’re refusing to cover it because there wasn't a breathalyzer test performed.

What on earth does a breathalyzer have to do with anything? Breathalyzers are for the police, and we didn't even call the cops because there was no reason to—it was a minor bump. The truck barely has a scratch, and the owner is fully aware of what happened.
We called the insurance company immediately, and there was absolutely no mention of a breathalyzer. They didn't bring it up during the initial assessment either. Now, suddenly, it's become an issue.

I can already see where this is headed. Has anyone ever been through this? We're dealing with State Farm. And yeah, I just finished reading about how shady they can be, but at this point, we're already stuck in it.

silvermarlin7 said:I really need some advice here if anyone knows what they're doing. Maybe someone else has dealt with something like this before.

So, my husband was pulling into a parking spot, and since it was pitch black out—basically zero visibility—he clipped a parked truck and damaged our car. He did everything by the book: notified the truck owner immediately and called his insurance company right away. They told him to come in for an assessment the very next day.
He went through the whole process, meeting with the insurance adjuster and then heading to an authorized service center. At the insurance assessment, they told him everything looked fine and just to wait a few days for the official report. Meanwhile, the service center estimated the repairs would be around $3333 because several parts need replacing. But now, out of nowhere, the insurance company is claiming the damage is worth 20-30 thousand dollars, saying it’s too much, and they’re refusing to cover it because there wasn't a breathalyzer test performed.

What on earth does a breathalyzer have to do with anything? Breathalyzers are for the police, and we didn't even call the cops because there was no reason to—it was a minor bump. The truck barely has a scratch, and the owner is fully aware of what happened.
We called the insurance company immediately, and there was absolutely no mention of a breathalyzer. They didn't bring it up during the initial assessment either. Now, suddenly, it's become an issue.

I can already see where this is headed. Has anyone ever been through this? We're dealing with State Farm. And yeah, I just finished reading about how shady they can be, but at this point, we're already stuck in it.

Unfortunately, this was predictable. An insurance company will always hunt for any excuse to avoid paying out—especially when the claim is large and no sobriety test was conducted.

My own personal run-ins with:
Allianz - they straight up refused to pay out my claim just because I filed it a little too late.

State Farm - they sold me this totally bogus collision coverage, and honestly, when I pointed out that something seemed off, they just brushed me off with that whole "just take the cash, buddy, we'll fix it later" routine... everything seemed fine until the actual accident happened, and once it was time to actually settle the claim, they were suddenly all, "nope, you're on your own."

Just stay far away from these guys; they're nothing but scammers and thieves.