State Farm Auto Insurance

If you have or are buying Auto Insurance in Michigan or if you are Disabled – READ THIS. Michigan used to have the HIGHEST insurance premiums in the country, by far. No, not b/c of car theft, it was b/c we were all required to pay for UNLIMITED PIP, no choice. As of July 1, 2020, b/c of Senate Bill 1, Unlimited PIP was no longer mandated. This is a LAW in the state of MI. But I can tell you, every single auto insurance co. I’ve dealt with has STILL tried to charge the FULL premium for PIP, even if you have your own medical insurance, they do not allow you to opt-out, or they try to hide this fee in their billing.

Absolutely horrible experience. I have been a State Farm client for 17 years... Never been in an accident. Someone backed into my vehicle in the parking lot where I reside. There was a witness statement, police report and footage of the incident however, because the witness (for unknown reasons) did not want to make a recorded statement for State Farm, the claim was denied (the party who hit my vehicle was also a State Farm client)... My vehicle will not be repaired unless I pay for it. I had no fault in this whatsoever so I'm questioning what have I been paying for all these years? To top it off, I'm the one who had to pay for and submit the police report and footage, they did absolutely nothing to reach out to the officer or police department in order to obtain the footage. They definitely do not care about their clientele, just another greedy business, in my opinion.

Pat ** with State Farm claims department called to help me navigate a claim I wanted to submit to State Farm. Pat gave me very good instructions on what to do to submit the claim. I gave the data requested to Pat in the evening same day. I had the claim back and submitted it the next morning with a check in the mail in just a few days. I can't thank SF enough. I appreciate Pat's attitude in helping me get this claim developed. Pat is someone State Farm should recognize for his customer-in attitude. Pat was awesome! Thank you State Farm.

SF insured caused a wreck which I was involved in on 1/24/2023. I was at ZERO fault. SF refuses to cover OEM parts for a Porsche that is certified. If non-OEM parts are put on a certified vehicle, it voids the certification. Also repairs are being made by a Porsche certified repair shop. Porsche does not allow them to put non-approved parts on a Porsche. I refuse to pay the $1720.98 difference because I was not at fault AND SF has to put my car back to pre accident condition which includes its certification.

I gave this company 1 star but it should be LESS! I purchased a new car outright. All of the "t's" were crossed and the "i's" dotted while I was at the dealership finalizing the paperwork, I got the car home and within 2 weeks I received a cancellation letter from State Farm. The letter (in writing) claimed that the reason I was being cancelled was because I was driving another car illegally for 6 months prior to the purchase of the policy I had just got. I did not own a car for over a year prior to the purchase of this car. Try as I might. I could NOT get a hold of anyone in underwriting. My agent was NO help. They kept telling me that the reason this all happened was because the wrong model of car was put on the original paperwork - but the letter blamed ME. I got really mad and upset - and was FORCED to change agents. I feel like I was treated horribly and they just don't care.

Please please be very careful with this agency. Ana Maria ** was supposed to cancel my new policy on 2/10/23 since I chose to not purchase the new car. Every few days I would reach out to her via phone and email and was continuously told my refund will be "credited back to my card" in a few days. Every time I reached out the answer was "another one or two days". By 3/3/23 I still did not receive it.

They nickel and dime you to death before paying a damage claim. They try to use used parts even on a new luxury car. They take forever to respond as well and meanwhile your car remains in the shop unfixed! Of course it might be faster if you use one of their own shops but then you have no control whatsoever. Even the body shops hate dealing with this company.

I purchased an auto policy for 6 months that ended January 17th and new policy started the 18th. On January 18th 2023 the new premium started and I wanted out since it increase a lot. I forgot it was on autopay so I had to contact the company and give them proof I had new insurance and was told I would get my refund after it went to underwriting. First of all the premium was $488.95 that was taken and they owed me 3 of the 4 weeks but I received in the mail $85.53. Now I know anyone with any sense understands that's not right. I've spent the better part of 2 weeks going back and forth with the agent which each time says it's the underwriter that determines the refund and even agrees with me that's not right. Several times the agent went back and forth with the underwriters and even told me they owed me more but would call us back the next day.

I have had a policy with State Farm for nearly 10 years. I have been satisfied with them up until my most recent experience. I was very hopeful given my other experiences, however, this was terrible, to say the least. State Farm and its employees have shown their true colors: they are great until you need them, and then they want to process you as quickly as possible. An insurance agency should have goals of being efficient, accurate, and fair. I am now clear that State Farm only cares to move claims through its process as quickly as possible, even without all supporting documentation and reports. Prior to State Farm, I was with one of their largest competitors and was treated much better. I am disappointed and am in the process of changing my insurance agency. I may later find that they are not any better, but I will not continue to give my business to a company that favors speed over precision.

We have had State Farm for 12 yrs. Our 1st Auto claim has been ridiculous. Due to the pandemic parts have taken longer to receive, which is understandable. However, State Farm doesn't care, they didn't offer to extend our rental car so we have been a one car family for 3 weeks. Then today we get a call from our repair shop to let us know our vehicle is ready but they can't release it because State Farm sent the payment to the wrong collision repair shop. Now we are trying to figure out how to get the money to our actual repair shop so they can release our car. We have been without our vehicle for 6 weeks now. I'm not sure how they could have made such a mistake when they had been dealing with our repair shop during the whole process. Not satisfied at all and will be looking for a new insurance company.