State Farm Car Insurance Reviews

Now, I have a car I would never ever have purchased. I changed insurance companies before the repairs were completed. I sent them my premiums on time for 25 years to protect my assets. Not because I was concerned about their profit margin. I obviously did not have any value to them as a customer. I have had several mechanics look at it. Every single shop asks me why the car was fixed. They all say they have never seen a vehicle that had been that badly damaged gets fixed. I have several estimates that say the vehicle is now worth about half of what I paid for it 4 months before the accident. The mechanics are always really helpful until State Farms calls them, then the mechanics won't return my calls.

I am trying to pursue a diminished value claim in small claims court against the other driver. I figured small claims would be the fastest and easiest way to resolve the loss in value to my vehicle. I most likely will lose this battle because State Farm is providing the woman that caused the accident with a lawyer. While I have limited financial resources so I must represent myself. Again showing me the value I had to State Farm as a customer. It does not seem right that I did not cause the accident but State Farm has decided that I must bear the financial burden while she walks out of court laughing with a smile on her face.

When I was getting out of my vehicle, the claim adjuster immediately told me that the windshield crack and permanent white dots that my windshield had were old and that I could not claim them as "hail damage". This comment sparked a discussion of me stating "Yes, the windshield was broken before but not as broken as it is right now. As it is, I have to replace it immediately." He was arrogant/irritated. I responded that if he told me that my windshield was not going to be replaced due to it being broken prior to hail storm, I could understand that, but not to tell me those permanent white dots and the increase in the size of the crack was not due to hail. He stated that a lot of people were trying to get their cars fixed with the excuse of hail. We engaged in a heated argument and I left without accepting the claim.

I called customer service to complain. I stated I pay $10,000 per year for home and vehicles for peace of mind. There are other insurances out there that charge me $5,000 per year or less for exactly the same coverage. When I wanted State Farm to recognize that the windshield was further damaged with hail, I was just requesting the peace of mind that I thought I would have with a "reputable" insurance agency. The windshield costs $180 and State Farm charges me $10,000 instead of the others that charge me $5000. I was not upset for the $180. I was upset because for all these years, I have been paying so much extra money to discover I was enrolled in a lousy insurance company that is telling me that my windshield was not damaged by hail when it happened while I was driving my vehicle.

The manager stated, he had been working for State Farm for 30 years and he had a lot of hail damage experience and that it was very "strange" that down here in the valley, the amount of windshield claims were much higher than in other parts of the United States, that people were trying to claim other damages the vehicles had, into "hail claims". I responded that my co-workers were with other inexpensive insurances paying much less than me and they treated them very well, did not have any problems with their claims, and even had rentals while their cars were fixed. Some cars were even totaled and claims were paid immediately.

The agent proceeded to tell me that hail was "water," could not have damaged my windshield leaving those permanent white spots. I answered him that "water" had a different density and had a factor of velocity added to it. He stated, bottom line, hail does not cause "that" damage. The claims attendant, the manager were rude, racist against the people in the valley, and arrogant.

I feel I have been paying the extra $5,000 per year for a "peace of mind" that never existed. Now I regret having been in State Farm for so many years. I feel I have been throwing my money away. I learned from personal experience, moving to the "lot less expensive" insurance company and looking forward for the customer service they offer.

Fast forward to a couple of weeks and I am now told they are not covering the motor due to damage to the front right door which happened two years ago. I didn't give it much thought because the damage was cosmetic. I spoke to the claim office and to a gentleman named Bill. He proceeded to argue with me as to how it could've stopped working from that damage. I told him it really wouldn't have cost me much to repair it and I would've had it done if it was damaged previously. Seriously, I run a service department. The worst part is that they said the body shop manager (Avi) told them it was unrelated and refused to show them the damaged part. This is a man who has handled multiple claims through Toyota.

Obviously, I called Avi and he told me it was completely untrue. I had him call them and they told him since they aren't speaking to a customer (me), they just didn't want to cover the item. I called back had an argument with Bill and eventually was called back by his supervisor Brandon. He was very nonchalant about it and told me that’s not how they do business, but he offered nothing for my grievances. I've paid for the repairs, but I will make it my personal mission to let everyone know about my treatment by State Farm. I will do my best for any customer to switch from or avoid State Farm at all cost due to their shady way of doing business. I have been in this business for over ten years and never expected them to flat out lie, especially to someone who also handles their claims. This is truly disappointing.

Checking the agency in question, I can't even see what they say is cause for concern - except here's the real concern: they want more money to pay for the misleading ads (you think they would really write Jerry "is your car up a pole again" any policy?). They could've said that with the tornadoes from last year (I'm in Missouri), etc. They needed to recoup losses. I'd have understood that. This, however, is just highway robbery. The "Debacle of Wall Street" comes to Main Street.

As a matter of fact, it goes more like this, "State Farm is gone.®" When you find yourself in an accident and you are insured under State Farm, just remember that State Farm is gone. The fact that you have never been involved in an accident before, this does not matter. The fact that you paid extra for stacking coverage does not matter. So in the end, there are just four words, "State Farm is gone.®"

Clearly, this was not the case. Did I also mention that I had been a loyal SF Insurance customer for 14 years and always paid on time? This was fraud in the inducement at best and I plan on contacting an attorney regarding their predatory lending practices and would like to know how this woman can sleep at night. Beware the shady ** named Danielle at Tim **'s office in Egg Harbor Township, NJ. I look forward to seeing her and Tim in court.

I was with my prior insurance company for the past five years since relocating to Missouri. My husband and I both have excellent driving records, no accidents or tickets. My husband and I have been married for 10 years. We are one, so what difference does it make whether he was listed on the policy?

Truth is the staff who answers the phone is extremely unprofessional, and I really wanted to be with a different agent regardless. After an hour, Tony said he would transfer all of my products to Mark ** (the new agent). It turned out that after 3 years, we realized that he did not transfer the life policy. I recently requested again to have it transferred, and they did not process my request. State Farm should really look into how Tony ** and his staff conducts business, as I do not believe that it is in the best interest of State Farm.

After my honorable discharge from the military, I rented a room within her house. Agent Vicki in Murphy sent a letter to my mother, stating that I was not to use her car or else she would be cancelled. I have no points or reprimands against my license, and my mother's policy clearly indicates that any driver over the age of 25 may operate the aforesaid vehicle.

My mother, in her wisdom and respect for her veterans, asked why I had to be the primary driver on her car when I only rent from her. The response was that because I was a 35-year-old unwed male, then they must double her rates. I am gay. I will never marry a female. Aurthur **, my mother's boyfriend is unmarried and 20 years her junior. That fact was never mentioned, even though they have habitated in the same house for five years. This is discrimination and needs to be explained.

At that point, I became angry and requested to speak to a supervisor. This is not the first time she has been rude. I understand that she has a job to do. This does not include calling both my self and my physician as well as ER doctors liars. Not once did she listen! I went so far as to explain what happened and the reason I was turned at an angle. She did not listen and stated that she felt she was being rushed. I then called back and asked for a supervisor. I spoke to a Mr. ** who listened, but by that time I was so upset that I was in tears of frustration. No one seems to care that a child with rheumatoid poly articular arthritis was in the accident. I pray that no one else has to deal with such rudeness and blatant disrespect.

We agreed and your insured Chastity **, Policy number ** called her agent, Tricia ** on the scene and reported the accident. They gave me a claim number, ** and said that claims would follow up. By Monday, 2/27/2012, I had not heard from State Farm's Claims so I called them. The agent from Team 22 said they had to verify the claim with the insured and as yet were not able to contact her. I called again on Thursday March 1, 2012. They had contacted her and she told them that I had come into her lane. As a result, they were not legally liable. I then gave the State Farm Clams the name of the witness on the scene: Marvin **, Fleet Manager of Davis Chevrolet, ** Ext. **.

On March 6, 2012, they said they talked to the witness and said he did not see the actual impact. He looked up after hearing the crash. On that basis, they had to deny the claim. The witness did see that the insured was attempting to go straight from a left turn only lane and he pointed out to her that she was in a left turn only lane. We did not move the vehicles until he (the witness) helped direct traffic around us so we could pull into the driveway. At the point where our cars stopped, she was beyond the point to turn from her left lane only, turn lane.

Today March 6, 2012 they denied claim because (witness did not see impact.) What kind of investigation did the claims department make? Clearly, this is an attempt to avoid responsibility for the accident. I will continue to pursue this issue until justice is served.

With written statements and pictures showing I’m not at fault, they won’t even look at them. They won’t even investigate what happened and won’t even make a phone call to the property management. They only want more money. I could not get help so I went to the office where I purchased my insurance and spoke with my agent. She told me she would not do anything except file a claim and told me that she no longer wanted to continue our relationship. Two days after an auto accident, never filed a claim and she has the nerve to say she no longer wants to continue business because I’m trying to get her to do her job. Do not sign up with State Farm. They are insane thieves.

I have not driven now for almost five years); nerve damage in my right leg in which I always have pain/take prescription pain meds; nerve damage to the middle digit on my right hand (I am right-handed); sleep problems. I don't sleep unless I take a script sleep pill and that doesn't always work. I have 1-2 nights/week when I don't sleep. I get constant bad brain days, where I cannot think enough to even form sentences to make a conversation. I don't feel well at all so I don't talk, go anywhere (assuming I'd have a ride), answer the phone. I do nothing. It's very hard to explain.

It is a very dark, lonely place to be in when this happens and it happens on average at least 1 to 2 times per week. It's like everything leaves my mind and there is nothing there. I'm there physically but not there mentally. My doctor wanted to get me into physical and other therapies as soon as possible but State Farm wouldn't authorize it. The doctor insisted I go and stated that the longer I am made to wait, the less chance of recovery. My husband obtained an attorney just to get me into therapy. It was somewhere around three months post accident that I was finally able to start, which consisted of physical, cognitive and speech. I completed two rounds of PT at two different times, the last being hooked up to a new computer program that measures the amount of imbalance. It showed I was markedly off balance (or severely, I can't remember the exact term). The therapist said the therapy would not improve my balance and I was more than likely not going to get better. I have what I'm going to have.

As far as the bad brain days, they think what happens is the brain is working so hard to keep the basic life functions going (breathing, operating the organs/functions, etc) that it can't also maintain all the mental aspects. I lost my business, as it was a service oriented business and now use a cane to walk. State Farm now offers me a settlement amount that is laughable. I'm not in this to get rich. I just want enough to be able to pay the bills for whatever the rest of my lifespan might be. I am not the same. Life is not the same. I am not okay. Is there anyone out there who can make this insurance company responsible, accountable and take care of their clients?

How long are they going to get away with such shameful treatment of their customers? Why are they being allowed to get away with this? I've been a customer for 32 years! Is this what I deserve? Does anyone have the intestinal fortitude to do what is right? I'm going to the newspapers and press if they don't do right by me. I am told by attorneys they litigate everything and spend more money doing so than taking care of their clients. Does this sound like normal human behavior to anyone? Does this sound like good business practice to anyone? Had I run my business this way, I'd have been out of business shortly after starting. So why are they treated differently? Who calls them on their wrongdoing? Who is their watchdog? Or does nobody really care?

I am very displeased about the time that has lapsed. It has been nine days and we still don't know when we will get our car. I would think that your company would have more respect for their customers than this. The least I deserve for time the adjuster/agent has allowed to go by is a car so that I am able to independently go through errands, etc. I appreciate your looking into this and would certainly appreciate you looking into a replacement vehicle since there is not an end in sight for my vehicle to be repaired.

We also recently turned in a claim to them about our roof needing replacement after a major wind storm. They sent an adjuster out who told us our roof is not missing enough shingle to replace. There is exposed tar paper and shingles all over our yard literally. We had to get 5 quotes from roofers before they would even consider coming back out for us to dispute their denial. All 5 roofers told us it was a bad roof. Too many shingles are missing and it is not rated for our area. We turned in our 5 quotes and requested a different adjuster be sent out. They reviewed the quotes and sent the same adjuster who again told us he would not pay for our roof.

We as clients should not have to furnish 5 quotes to fix our home that obviously needs repair. But a non client turns in an exorbitant quote to fix something and they only have to have 1 quote. This is ludicrous. This company should not even be in business. We plan to switch companies today and tell everyone we know how ridiculous this company treats its clientele.

Not surprisingly, they cannot get a hold of Car A (illegal, fraudulent insurance) and therefore have no one to pay the bills. So, rather than do what car insurance is supposed to do (i.e. protect their client), they've decided to throw me under the bus to avoid costs. Not only is that a ludicrous ignorance of facts, but it's a huge inconvenience to battle. The icing on the cake is that their claims department staff is beyond rude -misrepresenting information to try to bully you into alignment and just flat out being difficult and evasive throughout the process.

If you are unfortunate enough to have their insurance when you get in an accident, take notes on every call you have with them - their staff picks the information they choose to write down, so you may think you've got a case but they'll claim they never knew certain info. Honestly, switch insurances now - State Farm is terrible!

Now, State Farm (Volvo insurance) is refusing to pay my medical damage. They claim that my body damage (both bumpers replaced and new radiator) did not warrant any medical damage. I'm out the cash. My insurance AAA refuses to pay, they say that my coverage does not include this and now my medical Aetna has put a lien on my credit. WTF! I was sitting at a red light and this bimbo hit me. And now I am out of cash!

In August of 2011, I decided that without an agent, I was no longer willing to stick with State Farm. I went into my agency on August 18th of 2011 and asked what I needed to do to cancel my policy. I was told while in the office they would put through a cancellation, and recommended I stay with the company one more month to give myself time to find a new company. That day, August 18th, 2011, I paid my policy through for another month. I received a receipt, which I still have. I paid in cash. I was told my insurance was good through September 29, 2011. I found other insurance within a week of deciding to cancel with State Farm, and verified once again through my Agency that I was insured through September 29, 2011. Based on the information I was given, I had a policy started with the new insurance company on September 27, 2011, with the understanding that I would be considered double insured for a period of two days. Within a couple of weeks of starting with the new insurance company, I was told by the underwriters they were having a hard time obtaining verification of my previous auto insurance and asked that I get a letter of experience from Start Farm.

I contacted my previous agency of State Farm and was faxed a letter of experience that day, stating I was insured continuously from November of 2009 until September 29 of 2011. Last week, I received a certified letter from the DMV stating there was a problem with my insurance coverage from August and September of 2011. State Farm entered into the DMV system that my insurance with State Farm was cancelled on August 20, 2011 due to non payment. Therefore leaving me with a lapse of coverage for 37 days. A lapse of insurance in the State of Nevada is a mandatory registration suspension, in addition to a $500 fine. Until I pay the $500 fine, I cannot drive my vehicle. I have contacted State Farm numerous times to figure out what happened. I have proof through a receipt and a letter of experience issued by State Farm saying I was insured until 9/29/2011. However, the underwriters are claiming according to their system, my insurance was cancelled, and there is nothing they can do to help me. So either State Farm underwriters have made a mistake, or my agency took my cash and never entered it into the system. If the system claimed my policy cancelled in August, why would they issue me a letter of experience stating I was insured through 9/29/2011? I'm now stuck with a $500 fine, $130 of my money stolen, and two fraudulent legal documents issued by State Farm. I either want this situation fixed, or the now $630 they owe me due to fines and stolen money.

I am unable to work because of my back injuries. I owe my Lawyer, the ambulance that took me to the hospital, the hospital, and the testing facility that did my MRI. The Physical Therapist waived the rest of their balance. I am totally alone here and I don't know where to turn. I also do not have any money. My sister suggested that I tell someone what happened to me so that others might know what goes on when the average person is struck from behind.

Please be warned. State Farm really needs to be investigated by the Florida Insurance Commission. We all pay auto insurance. They have the money to pay for your medical bills, but they won't, and no one will make them do this.

PS- Also know this: If you are married and you and our husband or wife are in the same car, the minimal amount that you can claim ($10,000) is split between you two. They treat a married couple as one entity. Please be warned.

It's one thing to have your company create an environment where people are "happy" to work there; it's another thing to have corporate to be clueless enough about human nature that they are being totally taken advantage of. Of course, my personal information on this submission form is not accurate. I do not want to be contacted. They can figure it out, or not.

My poor car was in the shop for about a month (CarStar) and they did their best but that car was mangled. I got it back and the alignment was completely shot. Wheel facing right to make wheels face forward. I was told by CarStar that State Farm wouldn't cover that (even though the truck drove basically right into my tire). I drove it to a dealership and had them fix it. A few days later, I notice my window doesn't work anymore (they had to replace parts of my driver’s door as my mirror was ripped right off). I also noticed that as soon as I hit the highway and was going about 90, the whole car shuddered and shook. I took it back. They said “tough crap, that’s all the insurance would pay for.”

So for the next two years, my poor car sits dead in my in-laws garage because I don't have the money to actually fix the accident damage. Meanwhile, State Farm continues to bill me my $160 every month. I was told I had to have coverage, even if the car wasn't being driven.

I finally found out they were seriously bilking me. I cancelled the insurance and dropped my home insurance with those thieving you know what is and now I will tell anyone who will listen. State Farm steals. State Farm does not care about you. State Farm is rich.

I have a 2002 Nissan Sentra, fully loaded and completely dead that has been rotting for four years now because of these thieves. Do not purchase State Farm insurance, it is not insurance for you, it’s for them!

I became the victim twice once from the thief and once from State Farm. My car had over $11,000 worth of damages and after being in a State Farm selected shop for 6 weeks I picked it up and was only able to drive it 10 minutes away before I had to stop at a repair shop because it was not drivable. I had to pay out of pocket for them to fix my car and guess what? The State Farm shop that did all of the repairs had charged State Farm for the same exact repair. I called my adjuster and he told me that I would not be reimbursed because they had already paid for that repair. So basically I am struck with a vehicle that probably will fall apart as I am driving down the road.

It was discovered that she had three more broken vertebrae, which were not likely caused by the accident. The driver who "bumped" them was uninsured so my parent's uninsured motorist coverage kicked in. She had surgery to repair the three broken vertebrae which resulted in a punctured lung and ongoing care for several more months. A report was made to State Farm, details given and permission to obtain medical records was given twice.

In April of 2011, Medicare, who automatically covered the medical expenses, as a conditional payment until liability could be sorted out, sent State Farm a conditional payment letter, stating that they were owed $13,000 unless State Farm disputed these charges and sent proof as to why Medicare should bare the expense. State Farm had 30 days to respond.

Well, at the same time (early April 2011), State Farm did two things. Sent Mom a check for $4800 saying she had requested the payment so she could settle the matter herself. Not true. They also sent a "request for conditional payment letter" to Medicare. Mom did not cash the check and continued to urge State Farm to settle the claim.

I have just learned, January 2012, that any document sent to Medicare relating to the same claim number would constitute a dispute and thus stop the demand process for payment of the $13,000. The initial letter sent to State Farm, from Medicare insisted they dispute within 30 days or a demand letter would be sent.

Well, I believe State Farm knew damn well, that sending the request would halt the demand against them, which is precisely why they took the action to send the request at the same time as they attempted to "settle" the matter with my mother. Medicare stated that the two documents, the conditional payment letter and the request for a conditional payment letter, must have passed in the mail.

From April till November, my Mother made several calls trying to compel State Farm to settle the $1700 bill she was receiving for the emergency room visit the night of the "bump", which State Farm was liable for. There was always an excuse as to why the bill hadn't been paid and in August the claims adjuster even sent a letter to the hospital stating my mother wasn't covered and they should seek payment from her directly. This gets better.

At the end on November, the hospital bill remained unresolved and my mother, who has always paid her debts, grew concerned that the unpaid bill would have lasting effects on her supplemental insurance or the balance would become hers to pay. We made another call to the claims adjuster and agreed to accept the settlement of $4800 to pay the hospital bill. We were told the balance was for "pain and suffering". Well, the other shoe falls when my mother receives a conditional payment letter from Medicare stating that they had been informed by State Farm that my mother had accepted a settlement and she would need to dispute or receive a demand for $13,000.

So, I call the claims adjuster for assistance. No return call. I then spent 49 minutes, the precise number of minutes I am told my wait time would be, waiting to speak with someone in the Medical Payment Recovery Dept with Medicare. I was told that my mother was now the debtor as she had accepted a settlement. Let me stop and say that Medicare sends one letter... and only one letter. Never, ever did my mother receive an update or further correspondence regarding the unpaid balance of $13,000. After all, she knew that State Farm had 30 days to settle or dispute and naturally since they had permission to request her medical records, they had taken care of this matter and Medicare was satisfied.

But she was now the debtor. I was informed by the Medicare rep that: They only sent the one letter to State Farm which my mother was copied on. One document sent referencing the claim number indefinitely suspends the "demand" for payment from State Farm...

Finally, I was informed that State Farm did only two things regarding my mother's claim where Medicare was concerned. They sent the "request for conditional payment" in April of 2011 and they sent the notice of Settlement in November of 2011. Never did they send a dispute, never did they provide Medicare with the medical record information they had the permission to collect to dispute the claim.

Why is this fraud?

4) She was harmed in excess of $8,000.

Now it is up to my mother to dispute this herself, of course it will be me driving the process. My mother not only broke her back a year and a half ago but she is 73 years old, has COPD and MDS (pre-leukemia) in addition to suffering from a punctured lung during her last back surgery that nearly killed her and subsequently has had to have her gallbladder removed and has lost 4 inches and 50 pounds.

Who holds State Farm accountable?

This is a clear case of unfair and unjust practices of lumping every member of a household in spite of having their own policies under the same scrutiny and making the head of household pay for any one else’s driving records. Additionally, I have been with State Farm for over 25 years with both auto and household policies.

I would suggest communicating with your carrier and they will explain why things are the way they are. In Texas, where I am, the insurance department is very pro consumer, so any grey area typically goes in favor of the consumer. Just my $.02. And the guy claiming to have hurt his hip being rear-ended--maybe, but unlikely. When rear-ended the vehicle moves forward before your body does. That being the case the brake pedal would not put any pressure on the hip at impact. I look at this stuff everyday.

Also, a lot of damage to my neck and back. I am still under treatment for my neck injuries but have already been told by the State Farm adjuster that they will not be considering the injuries to my hip when they do try to settle with me because I had a bone spur on my hip that I was not even aware of. So they are trying to get out of paying me for all my out-of-pocket expenses and my lost wages. The person that hit me was 100% responsible, no question on that, but they still are trying to get out of paying me and I am a State Farm customer too, have been since 1994.

I can say for sure that if they don't fix this and agree to pay for all my injuries, I will drop them as my insurance carrier go with a new company and then sue them for everything. But I refuse to continue to do business with a company that treats people this way. I have spent over a year in pain everyday with no end. It might be possible that I may have to have more surgery and I am going broke paying my co-payments for my medical and the travel expenses and lost wages since last January going to doctors and having and recovering for the surgery I have already had.

The bill was to be covered by our State Farm agent 100% upon submitting the bill. The representative for State Farm insurance told us the bill for towing was $478. Our agent only wants to compensate us for $125 of that.We had to leave the truck in Tocumcari, NM because we were in the process of moving to San Diego. We made it here and of course that State Farm agency has given me nothing but grief! We have been treated terribly by this agency and want something done about it. My overall experience is five stars meaning bad, five stars worth of headaches and heartache.

This is crazy. Something should be done in the United States to stop this from being legal. It is redundant to pay for house insurance and then when a catastrophe happens, the very thing we are insured and pay for, then we use it and get dropped so when we seek homeowners it is higher because of being dropped and then our car insurance goes up because we lose the multiple policy discount. Please, someone explain to me how in the United States this is constitutional and fair.

I literally work across the street from my State farm Insurance agent (Rich Matthews) and his office told me that someone had "dropped the ball" and "we're sorry". I have now acquired new homeowners insurance and I am hoping to be refunded the full amount of the over charge. The office promised to cancel the policy but failed to do so. I went to the office and they have again promised to do so. Can I sue them for changing my policy without permission or notification?

After getting an estimate at their recommended body shop, they made me wait a week and a half to get any response, after me calling them 6 times. They then set up an appointment to meet at the body shop again with an investigator. The investigator right off the bat treated me like I was liar, pointed out all the flaws from previous body work and peeling paint. I said I'm only concerned with the vandalism not the old imperfections. Well, all I can say is they had their minds made up before they came there, any moron could see the fresh damage and paint scrapes.

It was a bright sunny day, I suggested that we bring the truck indoors to see the damage better, they didn't care to do that. Why? Because their minds were made up prior. I had to tell them to stand at an angle to the door to plainly see the kicked in dent on both doors. Why? You're the professionals! Boys, you need glasses! I offered State Farm prior pictures and a statement from the guy who sold it to me as to previous condition, they wanted no part of it at all. I was treated as a liar the whole time.

I sent pictures of its previous condition to the claim rep." Penny" that clearly shows its nice condition. She stated she couldn't tell the difference from my pictures to her investigator's pictures. Give me a break! I offered to take pictures of the damage with the same camera to show her the damage, she didn't care in the least. I was treated like a liar by all involved, and after 30 plus years with them, I'm done! Why have full coverage when they don't back it up.

In 2003, I purchased a 4 family rental property. I was told by my state farm agent that they could not insure it as since 9-11 state farm had quit writing new policies until they came up with a 'more profitable product' I went with Allstate on it. Meanwhile, my homeowners rates almost tripled due to them looking for more profit.

Since then, I had moved and as of this year have auto/life/renters policies with them. I have never had a claim ever. Paid huge rates to a universal life policy that I had to let go this past summer due to the economy and losing my job. Then of all things, our house got broke into, I had no choice but to file a claim. I had always been told to go with replacement cost policies so you were paid current replacement costs instead of depreciated costs if something were to happen. Yeah right, state farm came up with a 'settlement offer' which was pathetic, then told me the remaining replacement cost would be paid when the items were replaced. That was in July of this year. We moved, so all mail went to our new address.

Over the past 2 months, we had not received any bills from state farm. Just the checks for the claim, a renewal of the renters policy and a notice that a vehicle that was suspended on our auto policy would be cancelled if we didn't let them know otherwise, which was fine as it isn't running. On this past Saturday we received a check from state farm that stated it was a 'refund' for cancelling our payment plan account.

Confused, I contacted my agent on Monday and was told it was due to the suspended vehicle being cancelled. Okay, that is was fine, then today, we were looking at our bank account and a check from state farm for the claim had bounced. Separate issue with their bounced check, it had supposedly been printed on the 'wrong form' and was cancelled and reissued this past week, that doesn't fix the fact that I was charged for it not being honored!

I called their 24 hour line and was told that all of my policies were cancelled about a week ago. The check was a refund for whatever. We were pay by the month, so I was very confused when in the past I was told by the agent that we did not have the 'month ahead' on our payment plan. So, what would a refund be for when they claim our policies were cancelled for non payment? We never received any type of payment due, cancellation notice or otherwise.

Since we have filed the first claim ever: The agents person I deal with locally had been very nasty with the claim handler that I deal with on our claim, the claim handler has been quite nice. State farm refused to insure the property that we are moving to stating they didn't insure the type of construction the house is. We so far have been told by other insurance companies that they won't insure our house due to the claim we have currently.

I would not recommend this corrupt company to anybody, after being a long time customer, to be treated so badly.

Fortunately, I had witnesses and was able to get one of their phone numbers. The driver who hit me was a complete jerk. He refused to give me his insurance information and threatened me. For no reason whatsoever, he started calling my four-year-old daughter a ** and started taunting my wife. We called the police. When the police arrived, we were relieved as a family. We thought everything would be okay. We were wrong. I'm a white man and my wife is Asian.

One of the cops was a big time racist that showed up. He asked me what my wife's nationality was and told me he didn't like the way we looked together. He was absolutely awful to me and tried to side with the bad guy. I was able to get the guy's insurance information, despite the horrible experience. I filed the claim and State Farm has been awful. Still to this day (December 13, 2011), nobody has come to look at the damage to my car. State Farm has done everything possible to do nothing and keep the claim dragging on and on. The claims adjustor is lazy as hell and always has an excuse. Everything is in place (my witness verified the entire incident), but still nothing has transpired.

It is my impression that State Farm knows their driver did wrong and that the company is liable for the claim. However, they are doing everything possible to find a way to potentially deny the claim. It's been a horrid experience. "Like a good neighbor, State Farm is there" is **. What a terrible company. It's amazing that you have a driver who did a hit and run, yet his insurance company is doing everything possible to give him the benefit of the doubt. I hope the situation is resolved soon; but if I get denied, I would love to file a law suit against State Farm, the claims agent and the driver who hit my car.

I received a letter in the mail from State Farm headquarters around September 8th, asking if "I was a aware that a Life Insurance policy had been sold to me and whether I had any record of it". I checked the no box, signed my name and wrote my number on there and requested it to be taken off. I never signed up for any of that needless crap. So I created an online username to try and decrease my insurance payment and took a peek at what exactly I was paying for. There it was, a $50,000 life insurance policy that is about $15 a month that I had no idea that I was paying. I decided it was time to go with another insurance. I called and asked for my policy to be canceled. The rep said all was okay and I signed up with a much, much cheaper company who gave me more coverage.

Almost two weeks later, I checked my bank account and I have a negative balance. State Farm did not cancel my EFT payments and overdrafted my account. I called and at first, the girl said my account should not have been charged. Then she came back, changed her story and said technically, only my auto policy was canceled. I said that no one told me to be specific and I was under the impression that all my policies were canceled. Then she proceeded to ask me if I wanted my renter's insurance canceled. I said of course! Are you kidding me? I want the life insurance that I did not even sign up for canceled as well! Oh, but apparently you need a signature to cancel that. She simply said I would receive my refund via check in the mail and that was it.

I went to the bank and had them cancel the payment so that State Farm did not get any money and they also put a block so no more money could be withdrawn. I relayed this via email to State Farm and got no response. Few days later, I saw a deposit into my account different from the one they had wrongly charged. I was not made aware of this so I assumed State Farm was giving me my refund for canceling before my premium was due. I sent yet another email requesting a response because I was having trouble getting a hold of them during business hours and I attached proof of two NSF fees that I incurred because of their mistake, and I mentioned that I had no record of signing up for a life insurance policy.

He simply replied that they sent me detailed descriptions of my policies every month, which I keep all of my paperwork and I have gotten nothing of the sort, and that in order to make up for wrongly charging my account, they refunded me the charges minus the "life insurance" fees that were due and since they did not get any money due to my stop payment, I now owed them that money back. I said I don't think so, you owe me a refund from my premium, you owe me for two NSF fees, and I want a refund for this ** life insurance that someone charged me without my permission or signature. They just ignored me and said I would be billed in the mail and that I need to send a signature to cancel the life insurance policy.

On the next day, State Farm called me at 11am and changed the quote to $901. I was put on the spot and I had to go through with it. They called me again later that afternoon saying they made a second mistake with he quote and wanted another $150. I asked them to call me back as it was not convenient. On November2, I did not get a call back so I phoned them to ask why I was to pay more than the huge $900 amount. I refused to pay and asked what my options were and I requested they cancel the policy at midnight. I arranged an alternate insurance with 21st Century from midnight. I called State Farm back to confirm the cancellation at midnight.

On November 3, I called again to confirm my cancellation and asked how I was to be refunded. They said they could process the credit to my card. On November 9, I called to complain that no refund had been received to my card. They promised me it would be done by Friday, and latest would be Tuesday. I called once more on November 15 to complain yet again, that no refund had been seen on my card and now they state that the refund would be by cheque but that it had not been processed yet. I checked and they did not have right address to ship the cheque to.

On November 21, I called again and still the cheque was not sent out as promised. They gave me some bull** that they needed to adjust it by 50 cents. They said they would send it tomorrow and that I need to wait 10 days for it. They have been holding my $900 for three weeks so far and say it will be at least another 10 days. They have promised the cheque was sent previously and it was not, so how can I trust they are sending it now?!

I just retired from teaching in the State of Florida. I have a health insurance I can carry on, but it costs $608 a month. I am 63 and I cannot get medicare until 65 (as you know). I talked to Todd, I think about a quote for health insurance. I cannot access the insurance until January 1, 2012, as I had to sign to keep my teaching insurance or lose it at the time of my signing out of the county. I asked Todd for a quote. He says it will be approximately $435 a month, but he cannot be sure until we submit the form and it might take 3 or 4 weeks for State Farm to come back. In the mean time, he cannot submit the form without me writing a check for the first month.

I do not think State Farm should have the use of my $425 until we make an agreement. I am okay with the $25 fee to make a quote to me. As a long time customer, I think since about 1972, I feel you are treating me unfairly. I think you should charge me the $25, give me a quote, and let me make the decision before taking my $425, approximately. I have called another insurance program and they are making me a quote without charging me the estimated monthly amount. My husband, Frank **, who also insures his cars through his business agrees with me.

Maybe Todd is wrong about you cashing my check and keeping my money until the quote is complete. I might not have told you that I cannot start the new policy until January 1, 2012, as I had to sign to keep my current policy until I could replace it or I could not get it back. Please email me back. My State Farm person is Ann ** at Teel and Waters Insurance. I want State Farm, but I think this policy of keeping my money without interest for 40 some days is financial larceny.

I haven't even been told you will insure me yet, but you want my money. This has never happened before with the car insurance. When the office makes me a quote and I write a check, I usually have a difference back within a week if the quote is too high. Thank you for helping me.

I not only called, but have written 3 e-mails to this office in Boise, requesting that my auto insurance be transferred over to Terry ** State Farm office located at **. Caldwell, Idaho. (208-454-8646). I have kept all the e-mails sent to the Boise office, for this request. They have never replied to my request for transfer, nor have they even contacted me, that they would send over the auto insurance papers to the Caldwell office. This is very poor business on the part of Boise State Farm office, for not complying with my request.

Remember people, all insurance companies have these types of things happen. There are going to be times when claims don't get paid. There are going to be individuals who work for the company who might not act in the most ethical matter. Switching your carrier every 6 months because your rates went up $10 is going to hurt you in the long run. You won't get the best rate because the company looks at you like a frequent shopper. Bottom line, stick with a good reputable company (research them on the department of insurance website). Stick with them through the roller coaster of rate increases and decreases (yes they do have those! ) and understand that there are procedures that have to be followed. Read your policy booklet, become familiar with your company's responsibilities and your responsibilities in the event of a claim. It helps if you have a good agent that is willing to explain things to you.

I will not leave State Farm because my agent is always to answer my questions so I can understand every aspect of my policy and we can make an intelligent decision as to what coverage we need according to what is going on in our life and the world!

Dirt in paint, drivers side bumper was sitting high (passenger side was impact side), car was pulling when driving, (so I took the car to Firestone as soon as I could it was out of alignment, which it was not when I left it there my drivers side was -.18 out of toe which I had to pay $146.00 to have it put back in alignment). Had 1/4 tank of gas when left it and was empty when I picked it up. My leather seats had grease in them, holes almost poked in back seat. My car smelled of oil and grease. Paint dust everywhere inside my car and in places I can't get to to clean.

Upon speaking to Mark, the body shop manager he said he let Ultra Pro drive my car off the lot to "detail it" and they were gone with my car for about 2.5 hours and their shop is only 3 minutes up the road. On Saturday September 24th, I was on my way into work opened my ash tray to put my change in it and discovered my husbands diamond ring was gone. I called him, asked him if he remembered to get it out and he said no and could not believe it was gone. I called Cumberland Auto and Mark told me to prove it was in the car.

I told him I have a 7 year old child who knew it was, did he want to talk to her? I asked Mark why my car would need detailed when it was only having bumper painted, fenders blended, hood replaced and painted a new chrome strip, a new grill and new light fixture. He said it was just something they do to be nice. I told him no, my own mother has not drove my car to let someone I don't know drive my car. Left me feeling very much violated and upset. I didn't give permission for anyone to drive my car especially off the lot and he allowed a complete stranger to me drive it off of his lot and hit something with it.

Cumberland Auto didn't do all the repairs listed on the sheet. I called State Farm and ask for an adjuster to look at this crappy job that was done on my car and the cracks in my bumper that were not previously there. The guy who came was named Ed and he told me that he was friends with Mark from Cumberland Auto, and said he saw nothing wrong with my car. A Lady from State Farm called me and said to take my car where ever I wanted and it would be fixed like it was before ever being hit while parked. I have had to fight with state farm just to get a flawed hood that was put on at Cumberland Auto taken off and replaced. State Farm told me they were going to take the flaw out of it and I was stuck with it. I fought with them for well over a week before they said they would replace it with a new hood.

Turns out the other hood didn't have some protective coating and the paint came off in a sheet. Well, they didn't replace the hood with a new one. They did use a used hood. My car has been in the shop since October 3rd, was suppose to pick it up November 1st, drove all the way to Nashville and it wasn't done. Then was told it would be ready on November 5th. While in route to pick my car up, the Collision manager called me told me bumper still isn't aligning right when he shut the hood he scratched it. My car really needed a new bumper and something was wrong, obviously wrong with the support underneath cause the bumper won't align right.

I told him that is what I have been trying to tell them all along but no one will listen. I am still without my car and now I am being told no they are not going to fix the bumper right nor my support underneath the car. My bumper on the car will never look right. I have found that State Farm has liars and the case worker whose name is Jordan, is rude hateful and talks smart to me. I keep getting the run around and lies. I have filed a police report over the ring, which has not been found.

They finally paid the amount of the loan off and just that. I sent a claim in for contents as State Farm told me to do and they denied it. I had to get a lawyer. They tried to say it was arson. That didn't work either. My husband was deposed for 5hrs. I had to go back and answers questions for another 4hrs. The questions were the same ones over and over and some that didn't even pertain to the fire. We are waiting to see what happens next. We have been with State Farm for 38 years. In that time only 2 minor claims. Shame on you State Farm. You are not like a good neighbor. My neighbors were there! You never called or came by to see how my family was. We are beyond disgusted. I will be making changes. The ***'s

The 2nd was a violation for running a stop sign which was also BS. I fought it, the cop could not have seen from where he said he was sitting. Judge ruled in his favor because I didn't present pictures to prove that his sight line had to be obstructed and couldn't have seen it! Ok, #2. #3 though was completely not my fault but State Farm reported it as a collision which, I guess, it is automatically considered as my fault! I was driving on a tow lane highway to the lake with my boat in tow and family in the truck. A mattress flew out of a truck going the other way and landed 10 feet in front of me! I ran over it. It caught my bumper, damaged the side of my truck, ect. My fault? I don't think so! However, State Farm says it was recorded as collision claim. I had no idea, that a collision automatically means that it is an "at fault" accident! It's a total crap!

I have never been in any accidents but it cost me two points on my driving record, and high insurance premiums. State Farm says they didn't report an accident but my driving record shows differently.

I had two prior claims both in 2008 and both for replacement windshields after damage caused by thrown up debris from trucks. When I called my rep I was told they had fought for me to obtain the alternative policy I mentioned. I should add that my policy had gone up a couple of times due to my record and after 12 years with them I had paid in premiums far more than had been paid out by them. Prior to 2008 I had not needed to claim on my policy. I also have a house insurance policy with them that has never had a claim on it.

Without my permission or my agent's knowledge, after waiting for my money, my agent's office called and said that they has applied the money to my next payment which I did not ask for and had taken time off to go to the bank and have the endorsed documents to send to show that cheque had been cleared and get the refund as I was now $400.00 short.

I never have to this date, October 27th 2011, received this money and assumed that they still put it towards the next payment. I did not authorize that it has left me very short and had to borrow the $400.00 that I did not expect to pay as it was for my Mortgage. Who has the right to make decision without my knowledge until I receive a letter in the mail regarding this.

I am so peeved and I am looking for another insurance company that will not use my money for something I did not give permission. If they cannot refund someone's money then they should not take extra payments out. I want this money returned; I have money in my bank for the payment and I am pissed.

This is not my agent's fault or her employees - it is the Finance Department they deal with.

To make a long story short, I came to find out that the title could have stayed in my sister's name as long as she applied for a NY title under and her name was on the insurance ID card (in which she was on the policy). The car's registration and insurance would not have been an issue at all. But because the agent insisted we couldn't do that, we are more than $800 in debt to DMV and I've lost 2 full days of work. Thanks to Yolanda at State Farm on Main Street in Flushing, NY.

On November 8, 2006, I was involved in an auto incident. There was a scratch mark on the other car; however, I did not feel a thump and there was no damage to my car. So I assumed that the two cars missed each other. To this date, I am still not convinced that the two cars actually made contact. The other driver and I exchanged information, and later I called State Farm to report the incident. I relayed all the information to a State Farm agent at the 24-hour call center and I was given a claim number.

A few days later, a claims representative contacted me to discuss the incident. I was suspicious of how State Farm was handling this matter, so I asked her to send me a full report of State Farm's investigation. I explained that I wish to verify the information on the report to ensure its accuracy. I was told that I would be receiving a letter soon.

On November 30, I called the claims representative to say that I still did not receive the report of their investigation about this incident. I was told that I would not be receiving a report, and that State Farm considers me to be 100% at fault for the collision and that the matter was closed.

In early December of 2006, I received a call from a State Farm team manager. He was responding to a letter that I sent to Ed Rust, CEO of State Farm. During the phone call, he indicated that there were irregularities regarding State Farm's investigation of this incident. I asked him if State Farm had verified whether or not the two cars actually made contact, but he seemed to not understand what I meant, so I explained to him the same information that I gave to the claims representative before. I also mentioned to the team manager that I felt that the other driver may have been speeding, and asked him if State Farm verified this. Again, he seemed to not know what I was talking about, so I must assume that this was not investigated. I, again, asked for a complete report of State Farm's investigation into this matter, but he said that State Farm does not normally issue such reports. I indicated to him that in my opinion, State Farm seems to have a habit of botching things on my account, so it is imperative that I receive this report so that I can verify the accuracy of State Farm's investigation of this matter.

Later, in a letter dated June 28, 2007 from a claims representative, State Farm sent me several poor quality photos of both cars. However, as of the date of this letter, I have not yet received a complete report of State Farm's investigation of this matter. Each time that I instructed State Farm to give me this information, either verbally or in writing, I was given a non-committal response.

On December 13, I was contacted by phone by a State Farm tasker. He requested that I meet with him at the scene of the incident and explain what happened, which I did. He said that he had already met the other driver. I asked the tasker to verify if the two cars had actually made contact and to verify the other car's speed at the time of the incident. He seemed to indicate that he would look into it. Please note that my discussions with the team manager and the tasker were after I received the letter from State Farm indicating that the matter was closed.

In a letter dated January 16, 2007 from a State Farm claim representative, it was again indicated that State Farm considers me 100% at fault and, among other things, that photos indicate light color scratches and scuff marks on the right corner bumper of my vehicle. However, my car and the other person's car are not light in color. In fact, my car is silver and the other car is metal flake/dark gray in color.

Later, in a letter dated March 5, 2007, State Farm indicated that I am 51% or more at fault. So first, State Farm considered me 100% at fault before collecting essential information, but later, after collecting further information, considers me to be 51% at fault. However, State Farm still refuses to share with me the information that they collected. I feel that all this is, in the least, inefficient, and at most, suspect. I want State Farm to send me the report with statements, photos, reports and any other original information related to this incident so that I can verify it and then we can move on to closing this issue.

While researching this matter, I've found that there are no laws requiring an insurance company to share with their customers the information that they collect, except information that the customer personally gave to the insurer, but it seems that an insurance company may share this information with their customer voluntarily.

I've been driving for about 25 years. In all that time, I have never caused an auto collision. I am deeply concerned that State Farm has botched this investigation and has ruined my driving record. This is not the only trouble that I've had with State Farm. In fact, I've had trouble with State Farm on-and-off in 2006. There were two other non-related incidents.

In June of 2006, the brakes failed on my car. Fortunately, there was no collision. I had the car towed to the dealership for repair, and I rented a car for a few days while my car was in the shop. Later, I called my agent to obtain a refund for towing and car rental charges, but I was told that I did not have towing or car rental coverage. I was sure that I did, but I did not have my policy in front of me, so I said goodbye and then started to look for my policy. A few minutes later, the phone rang; it was the agent's office, and I was told that I did have towing coverage but not rental. Later, I found my policy and it confirmed that I have both towing and car rental coverage.

Later, I talked with a State Farm agency field consultant and she assured me that I would be reimbursed for the rental as well. Some time passed, but I still did not receive a check. Later, I received a letter from a State Farm claims representative which stated that I would not be receiving reimbursement for the car rental. So first it was no, then yes, then back to no. I feel that State Farm owes me for reimbursement for car rental and something for the time that I spent trying to collect it. State Farm did reimburse me for towing.

In another incident, in the fall of 2006, I was rear ended by another car. This was a slow speed incident at a stoplight and there seemed to be no damage to either car. However, I asked the other person for her information and wrote it down. I called my State Farm agent, but an answering machine answered, so I left all the information on the recording. However, I never received a call from the agent. Some months later, I discovered that State Farm had no knowledge of this incident. Later, I was contacted by State Farm to give them the information again. I now consider this matter closed.

I have since left State Farm, and I'm now with another insurance company. I am still trying to resolve the November 8 matter, and the reimbursement for towing for the June 2006 matter. I am also in the process of contacting my elected civil servants to request that they initiate laws to require businesses (especially insurance companies) to share all information that they have of their customers to those customers. Remember, Mr. Rust, insurance companies are in the reliability business, and they must live up to that.

Sandra tried to call State Farm for information and she was told she was not going to be given any info, Sandra asked for a supervisor and "point blank" was told no! Twice by the same woman in Memphis, TN., Melissa **.

We contacted our agent and Melissa ** told the State Farm agent in Morgantown, KY the same: "no". We just want to pay our bill however; Melissa ** has been a problem for the people at the hospital, the State Farm agent and ourselves. Please contact Sandra **.

In September 2010, my camper was hit while I was in a K-Mart parking lot. No witnesses and no one was hurt, so the sheriff's office did not come out. I took the camper to the local RV dealer with the most repair bays. I was given an estimate that would not repair my camper in a manner that would last for many miles, per the service writer. Also, their repair would redistribute the weight and center of gravity, causing it to be unsafe to carry in the bed of my truck. I searched around and found an RV dealer that had sold my brand when it was new. I called and they had experience repairing Real-Lite campers to their original methods and standards. This dealer's estimate was fairly high, so State Farm decided to total it.

My research leads me to a current value of about $12,000. State Farm has offered $5,300, the amount of the first repair estimate. If times were better, I would take it and forget State Farm exists, calling it the cost of my education. Of course, I had a costly education from Allstate years ago and another $15,000 tuition bill from Humana 4 years ago. It seems the only solution is the elimination of for-profit insurance companies. I have already convinced others to move $3,500 annual premiums elsewhere. When this is resolved, they will be losing another $4,000 in premiums plus any other business I can push away from them. State Farm doesn't care about losing these premiums. They have told me so. The slide-in campers they have used as comparables are nothing like mine and are of no use to form a value. Meanwhile, county code enforcement is about to start fining me over the junk RV in my yard. I know there is not enough money in this to involve an attorney. I have been looking for an independent adjuster, but they all seem to deal only in homeowners insurance. Do you have any suggestions?

It’s been a month chasing them to pay for the damages. First they won’t call and send an agent, then after they determined the full loss, and sending the title to the car 4 times, they keep on denying receiving the title, and just prolonging the giving of the settlement amount.

They are liars and tell you that they will call you right back. Actually you will never receive a call from them. Government, please wake up and protect the people from the big insurance company frauds!

I have contacted them to let them know that C. A. ** no longer resides at my current address; in fact, he moved to ** three years ago. They were asking me to furnish a copy of C. A. ** current auto insurance. The problem is that he does not have a vehicle. Therefore, he is not required to have auto insurance. I have offered written affidavits, utility bills, driver's licenses, and pay stubs for C. A. ** which showed that he resides elsewhere. But they are refusing.

This is a form of extortion. C. A. ** is my nephew who moved out of my house 3 years ago. Therefore, he is not an authorized driver on my premises. I spoke to Stefanie at the underwriting department at State Farm Mutual Automobile Insurance Company (CC: Fred **, 100 State Farm Place, 12020) who stated that the proof of current vehicle insurance on behalf of C. A. ** is the only acceptable form of proof "the company" will accept. He does not have a car, and they are extorting me. These people were reporting negatively against me, and they have harassed me on several issues which I have yet to complain about. This is ridiculous and unacceptable. Please help me.

After the last incident, there were mechanical problems. I replaced two U joints and a fuel pump. I became concerned so I went to a muffler man for an analysis. I believed there was some damage that wasn’t normal wear. There was a need for a sway bar, tie rods and several other repairs. I know this is an older vehicle but it just didn't run the same and I believed it had everything to do with the accident. How could it not with the amount of force and damage? The muffler man agreed but State Farm did not and refused to pay for any of related repairs. I, of course, disagree.

After 3 weeks of waiting, I decided to call State Farm and figure out what was going on. They told me that the check was sent out already. After they checked, it was sitting on one of the desks waiting to be sent out for eight days. They then said it would take less than a week for it to come in. I called them again a week and a half later and it was still sitting there.

It is now September 27th and I am in the hole $225 because of the worst insurance company in history. They never gave me any service whatsoever, they did not earn that money. I want my money. I feel completely comfortable getting an attorney to handle this and sue State Farm for all my money, and more.

They were good. They used my situation against me. The benefits that I still have, they keep denying them. I have to have a lot more surgery and I'm getting sicker. The infection is back and whatever the doctors said that I need, they denied it. They won't allow me for transportation to get to my doctors. I need attention, they denied. That Bonnie ** said, whatever my eye doctor says I need, they will pay for it but she lied to me. She denied it. Also, her team manager Cindy, backs up everything she told me. But her manager backs her up now. I'm not allowed to call there. I don't know what to do. The lawyers I talked to won't take my case. I guess it's not a big case. Also, I'm poor and some want money upfront. I need help.

My vehicle is disabled and I’m unable to use it for work. State Farm won't return my calls.

Shortly after I purchased my home in Berea (2006), a neighbor named Gary ran from across the street over to my house. Gary is an employee of Jared Swank's office. During a conversation, Gary said to me: "When you first moved in, I scanned your name to see who you had your insurance with. I noticed you were already with State Farm." This is a violation of my privacy rights. Gary did not know who I had insurance with. He took it upon himself to look up my personal information for his own use. He did not have my authority to do so. At the time, I did not do anything about it. However, I was furious.

Several months ago, I was reviewing my credit report. I noticed that State Farm Insurance reviewed my credit report through Lexis/Nexis. I was concerned again so I contacted Jared Swank's office. Jared, himself, advised me that 'State Farm will never view my credit report'. He assured me of this over and over. I insisted State Farm viewed it because it was on my credit report. He, again, insisted that State Farm never reviews credit reports. I advised Jared of the incident I had with Gary who works at his office. Jared said, "Look, what you think of Gary as a neighbor has nothing to do with my company." Well, it does have to do with your company when Gary is accessing my very personal information with the use of your company's personal search engine, and it is for the benefit of your company! Jared also insisted that his agency does not use Lexis/Nexis, nor do they have access to it.

Needless to say, I have filed civil rights complaints through Lexis/Nexis, State Farm Insurance, and the Office of the Attorney General. It became obvious to me that Jared was wrong. Lexis/Nexis called me to tell me that Jared told the employee of Lexis/Nexis that I gave State Farm the authority to look my information up as a consumer of State Farm Insurance. So, it looks like State Farm does have access to Lexis/Nexis and State Farm did look up my personal information. Gary did not have permission to look up my information when he did not know who I had insurance with. Jared was wrong when he said that State Farm never looks up credit reports. I had insurance with State Farm for nearly 20 years and never had a problem with them looking up my credit report. Now, Jared is making excuses for his agency. Why is there a need for all of the contradicting information? I am no longer with State Farm Insurance. I have found a much better company that I feel secure with. I will continue to pursue my belief that my privacy rights were violated and my personal information was misused.

I have given them all the information they have requested. I have cooperated in every possible way. I have done their recorded phone calls, completed their forms, sent them the keys to the car and a copy of the title. It has gone to special investigations for an unknown reason. Now I can't even get State Farm to return my calls.

I am out of a car and maintain expensive premiums. I am essentially learning that insurance company's can do as they please. If they decline to pay for the car, I seem to have no recourse.

I then traveled back to New Britain pick up my daughter again at New Britain High School, then go to Smalley and then back to the hotel. State Farm paid me only one time there and back in the morning. They have refused to pay me for the afternoon traveling.

First I went through hell to calculate miles and get paid. Now, they said I don’t have a car and no license. I sent them a copy of both and now they said I don’t have proof for miles so they’re not paying anything else.

I contacted the Commissioner of Insurance and they are trying their best. My next step is to bring them to court. Can anyone give me advise or help me?

That night, while going through bills, we were horrified to discover that my auto insurance premium had not been mailed and was late by 23 days. We never received a courtesy call from our agent about this lapse. We made the payment the next day and reported the accident. Two days later, we were informed that since the premium had not been paid at the time of the accident, State Farm would not be honoring our claim. This was investigated at the highest levels at State Farm and throughout, we never received any concern about our circumstances. Only cold institutional treatment. You know the whole, like a good neighbor State Farm is there? It is only there if they want it to be.

The premium had not been made due to extenuating circumstances. I am an elementary school teacher and I'm attending graduate school seeking a master's degree in gifted education. My wife's father has been dying of cancer since his diagnosis two years ago. He also has advanced Alzheimer's which was diagnosed prior to the cancer diagnosis. My wife, who has taken the responsibility of paying our bills while I am going to school, has acted as an additional caregiver for my father-in-law as Jim has become more incapacitated. She is going over to her parents' house most every evening to help her mother care for Jim and working from their house at least once a week. The stress has been incredible and unfortunately, the premium payment was missed. When the payment was made, our insurance was continued by State Farm with a lapse for the time the payment was late. This was when the accident occurred. Now, State Farm is happy to continue having us as customers and have us continue to send them large premium checks.

We have been loyal customers of State Farm Insurance for 23 years as a married couple and my wife was a customer for five years prior to our marriage. We have our life insurance, home owners insurance and auto insurance all through State Farm and have never had excessive claims made on any of the policies. We are good, honest citizens of the United States and the state of Kansas and always pay our bills even when times are tight. We are not trying to defraud State Farm, but merely wanted State Farm to honor a long-standing association we have had with them when we needed them. We have paid many thousands of dollars in premiums during our association with State Farm and think we deserve better treatment as loyal customers.

We have stated that we drove with great care and acted as a reasonably prudent person would have done under similar circumstances, and meet all the care, and reasonable prudence requirements of the definition of Black's Legal definition. We therefore dispute State Farm's claim. They were not only unable to prove that we were negligent, but were not able to prove that we didn't act in a careful and prudent manner. State Farm has wrongly assessed SDIP points. We accuse State Farm of being dishonest and of misrepresenting the facts to their own benefit.

Things started out okay but went wrong very quickly. Every time the garage had a question about my repair, it took a week to resolve. Days turned to weeks. By the time the final disposition was made, it was 12 weeks later. In the meantime, my bank wanted payments. I had only bought my car 5 months previously. By this time, I'm on the phone with total loss almost every other day and could get no straight answers.

When I was told that my vehicle would be totaled, I was told I had 5 days to return the rental. When asked about my current loan, I was told that SF would call my bank and get a letter of guarantee to get the title so that I could get another loan. When I asked how long this would take, I was told in 3-4 days.

On the 3rd day, I called my bank to check the status and was told that no one had contacted them. I now have 2 days left on the rental. I called SF back and raised ** and was told that the request would have to be overnight. Two days later, I still didn't have it. This would cause screaming match number 2. The rental needed to be returned by 6 that evening and I still didn't have a new car. When I told the claims manager that overnight means overnight and not 2 days later, she said, "Well Mr. St***, if it goes out after 2pm, it's not overnight. It's 2 day delivery." Then the haggling over pay-off value started.

SF wanted to give me $6,500 on a $12,000 car. We finally settled on $10,000. They sent the bank $6,500. Phone fight #3 ensues, and I was told that I must be mistaken that $10,000 was never mentioned. After I wrote a letter to SF corporation, I got a call telling me that the total was never changed in the computer and that another check for $3,500 would be sent.

Everyone told me it took 14 weeks to settle something that was not my fault. Then, my son had an accident - his fault. In the meantime, my wife has 2 blown discs and a torn rotator cuff because of the wreck and has to have surgery. She hired a lawyer. Yesterday, we were cancelled. If SF were the last insurance company on earth, I would not use them.

The work was not done correctly as we began experiencing problems with front end alignment and the new rear axle was making loud noises. We took the car back two or three times and it was eventually decided by the shop to order another rear axle assembly, from a junkyard, I might add! The second axle was installed and immediately we again had problems. A call was made to the shop because the wheels simply did not look like they were aligned and the front end alignment pulled heavily. Again a call was made asking why the shop left a wheel spacer out and why the car was still not aligning correctly. I asked for them to check the alignment and they stated that they were sending the car to Ford,

We got the car back and my son drove it to Houston for summer break. I took one look at the car and was appalled to see the fear axle so far out of alignment that the tires actually tilted visibly inward at the top. The second axle was seriously bent. I notified State Farm team 53 to discuss the ongoing problem. Their statement of "findings" was not only insulting and downright appalling, it is without merit or any known facts based only on assumptions. They stated that the claim was paid and that we must have caused further damage to the car.

If State Farm thinks they can attack our integrity, our principles, or our morals while jacking us for our premiums, they have no idea on the battle they have just entered. I cannot begin to tell you how scammed and defrauded, belittled, and simply crapped on. People, there is no loyalty or honor amongst State Farm claims agents, in my opinion of course. My attorney will now be assigned to handle this one as needed, period! And yes, State Farm, we will check your integrity at the door.

This company took my information for car insurance even if they knew my husband has not had a license for 5 years, knew that I married him less than a year ago and knew that I have a good driving record. They then sent my information to underwriting, took $127 of my money, sent my policy and agreed to cover me, then cancelled my insurance because my husband is "an atrocious man". When I asked how this is my fault as he is not on my policy, she said "you married him". So I get money stolen and punished for something my husband did years before I met him? **!

Apparently they were just going to keep my money and cancel it in October! The letter said it was already cancelled and I could get a refund. Here is her reply when I asked for my money back so I can go with another company who was cheaper anyway:

Christina,

If you would like me to cancel your policy effective today. I will be more than happy to do that. State Farm will send you the difference from the time your policy was in force to the day it was cancelled. You will not get 100% of the premium back.

Please let me know what you would like me to do.

State Farm - Providing Insurance and Financial Services

My response was:

I've made several reviews about your company already. Contacting the BBB and my bank to dispute. You have disrespected my husband and me and should have had your ducks in a row before taking my money and sending me an approved policy.

It has been two months now and I couldn't get a hold of him through the number that he provided or via email. This is the worse customer service I have ever had. How can you possibly mistaken a client's folio? But that's fine if he fixes his mistakes, but he did not! He didn't even follow-up with me on how he resolves this problem.

I want to cancel my insurance plan to end this nonsense plan with them, but I couldn't get a hold of them. At the same time, I do not want to continue paying my car insurance when I don't know when they'll increase my premium again. This is ridiculous!

On 8-15-08, there was a comprehensive claim on vehicle #1. I can't control what flies up from other vehicles. A rock broke my windshield. On 10-20-09, it was my fault. I am guilty. I got a speeding ticket. On 6-11-2010, it was at fault accident on vehicle #2. My husband is guilty. He hit a woman stopped at a red light. She didn't even make a claim and neither did we. On 11-26-10, it was a comprehensive claim on vehicle #1. It was an act of nature and God. A raccoon ran out in front of us and we ran over it. It was right in front of my car and we couldn't stop in time. On 2-8-11, it was a med pay claim on vehicle #1. I was rear ended while driving on an icy road. I was hit by a girl that couldn't stop in time, because she was too busy texting. And she was going a little too fast for the road conditions. I had slowed down due to an accident in front of me. I was getting over in the far left lane and getting back in the far right lane due to an accident on the side of the road. My passenger and I both had injuries.

On 4-22-11, it was uninsured motorist claim on vehicle #1. I was sitting at a red light in Kentucky. A man rear ended me. He had no license, no insurance and tags that didn't go with the vehicle being driven. His vehicle was not properly registered. He was not wearing a seat belt. He was with a child not properly restrained and he had been using drugs. I had witnesses. Then to top it all off, I was told by State Farm that I had to drive the two hour trip one way to get the police report. I was told to fax it to them. When my car was fixed, it wasn't done right. State Farm told me that it was all they were going to do to it. I have to deal with it. My frame in the rear was bent. They said all they were going to do is straighten it, even though my whole back end was shifted and it still is somewhat.

After two more days, finally, I got it submitted on my own without help from state Farm. The adjustor was delayed, but I was never informed of the delay. I tried to transfer policy, get damages paid for, reimburse deductible, and penalize office for negligence but nothing happened.

The car was recovered but it was set on fire. State farm is basically trying to say fraud is involved and trying to say this is criminal.

I do not understand. What was I supposed to do, drive a running hot car? I hate State Farm car insurance with a passion.

I called my insurance. They were going to pay for my accident, but decided not to because they located the driver through the plate. This guy told the flower shop I backed into him at a 7-eleven and he had a witness. The flower shop owner said I was a liar and said her driver was telling the truth. The police came to look at my car and said that he could tell that it was the other guy's fault. My car was in bad shape from behind, the whole bumper was submerged into the trunk. He said, "I cant believe this guy said you backed into him?" Well then, the flower shop lady said her insurance was State Farm.

I lost work several days. I was on pain medication that made me lazy and stupid. Two of my discs in my back were misaligned. Two different doctors give me painful injections to help with my back pain. I went to therapy for 1 1/2 years. I got a lawyer. We submitted a demand letter for all my doctors' bills that are more than 60,000.00, for me to get all the medical help I needed. Even State Farm told us that the flower shop driver was at fault. Now they answered our demand letter. And they said that they would pay $1,500.00 for the whole case. My attorney said that State Farm always likes to play these games. Two years later and still in pain, they will come back with that amount? That won't cover my gas bill for all the doctors' appointments I had. How am I going to pay all these doctors' bills? And I might need surgery in the future.

Now we are suing. It will take 2 more years, just because this crappy insurance company don't like to pay what they owe. My fiancee and my friend have their cars and home insured with State Farm. They know what I have been through for these last two years. They decided to change their insurance after all these. And we read about all these complaints!

I am being constantly harassed because of this. She was giving everyone my new unlisted phone number. She was also refusing my pain medication. The trauma surgeon referred me for pain management. They tried to refuse IV antibiotics for my MRSA that I got in my leg, but the mediator told them they can't do that. I had to stay an extra week in the hospital because of their refusal and now, they won't pay the hospital bills. I have had 4 surgeries now. They are just refusing to pay anything. I am so mad and stressed.

I don't want to sue someone but the insurance is not paying and they are very rude. Now they are threatening a lawyer .

After a week of no contact from anyone, I went to the police department and paid for a copy of the accident report. Dec. 6, 2010, I searched online and called State Farm's customer service. On Dec. 7, 2010, I was contacted by Aretha **. She stated she was a supervisor and Leah ** would be my claims representative. Ms. ** apologized for the delay of me not being contacted by anyone, and advised me to drop my car off on this same day to begin repairs. I took my car to Cockrell's Body Shop. Cockrell's kept my car from 12/07/10 to 12/24/10! I was given a rental car to drive while my car was being repaired, but after this, I was never contacted by anyone again!

After a few months, I consulted with an attorney for free legal advice (before I made any commitment to obtain anyone). I was legally advised to call State Farm's customer service and check on the status of my claim. I was never able to get in contact with Ms. **, and I was always told she was processing the claim and they would have her to call me!

In February 2011, I was sent an e-mail from HR on my full-time job to verify the amount of sick time I used as a result of the car accident. I wasn't notified from my part-time (evening job). On Feb. 18, 2011, the HR from my primary job sent me a reply to my e-mail and said she had faxed the information back to Ms. **.

February and March went by...I still hadn't heard anything. I received a payment plan from the chiropractic I had been seeing. The bill stated that since they had been unsuccessful in retaining payment for my treatments, I was now responsible! I have been struggling to pay between $50-100 a month to keep this from negatively affecting my credit. Almost at the end of April, I got behind on my payments and I decided to call State Farm again! This time, after I gave the claim number, I was connected to Mr. Raymond **. Mr. ** told me that as of 04/28/11, he was assigned to my claim (I was never notified).

As of today, I still haven't received and/or heard anything else from State Farm. I was really trying to avoid lawyers and taking this to court, but it has been nine months and other than my car being repaired (which also wasn't done very well), I haven't received any compensation, a settlement, a phone call, a letter, or update at all!

I find their new TV advertisement arrogant. Don't come crying to us if you change your insurance company, is an attitude that is typical of State Farm policy. You won't get a thing out of us is practiced by State Farm insurance company.

I am the landlord, 1,300 miles away, so I’m depending on the plumber and contractor and renter to be my eyes. Claims also lied about what the plumber said. I called him directly to ask what he said. He was not happy about the Claims Adjuster's untruthful comments.

However, those untruths, even though they conflicted with the contractor's observations, were enough to deny my claim. But no pictures were sent to me, I have received no formal denial in the mail – no nothing. I asked for a second adjuster and the Claims Office team manager, Michelle **, refused flatly to send another. The section manager is backing her up, just because she looked at pictures.

The water that leaked was not a slow leak, as they claim. A part of the stool (I still don't know the name of those parts) evidently failed somehow, and on Saturday, July 23, 2011, the renters saw it, reported it, and I called on a Sunday and got a claim number. The renters had the impression and they told me after he had left that he had made up his mind when he walked in the door. Even before he saw the damage.

Claims rotted wood. Contractor says it is not rotted – renter sent me pictures – it looked as if it dried fine and they don't have to replace the studs in the wall. Drywall tested positive for asbestos, and baseboard and vanity damaged from the water on the bathroom floor. It has cost me $4,960. The contractors are coming on Monday, because I have to take care of my renters.

This is my retirement income going down the drain? Evidently State Farm is just another crook – in sheep's clothing. If nothing else, I want others to know. In 46 years, we had only 1 claim in Nebraska. The house in Arizona this year has two. That's it. I canceled after all these years. Can I get any help?

I cannot afford this extra money and because I have automic draft with them they are going to automatically take this money from me whether I like it or not. I cannot afford to cancel my last vehicle with them until September . Now they are tellin me that its the department of insurance rules. How come they never told me that when My daughter was listed as an insured driver with them. I am very disappointed in them. I recommended several people to them through the years, but they never tell you what to expect when you cancel. Its like they are trying to hold you hostage.

Am I insured? I don't know. Their incompetence has resulted in newly issued auto insurance cards under my former name. My brand new umbrella policy still has the wrong name listed. And my SF IRA also has the wrong name. Despite my attempts-- one hour every week for four weeks -- there are still errors.

State Farm is the worst insurance company I have every dealt with and highly advise anyone looking at them to run as fast as you can to another company. I now have to sue them to get over $200.000 in unpaid medical expenses paid. The claims team thinks that if they stop paying and thwart the claims process long enough, you will just go away. They have absolutely no basis, that I am aware of, to assert that my back was not injured in this accident and even their own IME attributes my back injury to this accident. There are no conflicting medical opinions regarding my back injuries to warrant this action. The claims rep thinks she's a doctor, I guess.

Your insurance rates are going up because State Farm would rather force me to file litigation 5 years after the fact to recover unpaid bills in the last year. In fact last September, JoAnn ** a supervisor and I spoke via phone. She directly told me "State Farm has taken the position that we will not pay any bills not directly related to your left ankle." She went on to tell me they were going to compel me to attend an Examination Under Oath (EUO) and three (3) more Independent Medical Exams (IME).

In November, I had to pay a lawyer $300.00 to sit through the EUO. Their lawyer then sent my lawyer 16 different medical release forms claiming they did not have enough information to pay my outstanding bills. They paid no bills except Progressive Medical for my pain medication up to 7-22-11. I filed complaints against them with Michigan Office of Insurance Regulation asserting they were acting in bad faith and breach of contract. The State agency is worthless and did nothing but give them one extension after the next. State Farm asserted to the State that I did not sign all these irrelevant release forms. I signed every one. I also signed a State Farm Authorization for Release of Information several times which by its own language is good for the duration of the claim. I filed a State Complaint pointing that out. State Farm then told the State that several of my medical providers rejected not only the State Farm release form, but those their lawyer prepared. So I asked the State to ask State Farm to provide us evidence of any such rejection. Mrs. ** of OFIR informed me that State Farm called and informed them that the rejections were "Verbal"!

Knowing this was a lie and a violation of HIPPA laws, I was then informed that after all these months, State Farm was planing a meeting on my claim about 7/15/11 to determine what liability they had to pay for my outstanding bills without any further medical records needed. On July 22, 2011, State Farm issued a boiler-plate letter asserting exactly what JoAnn ** had told me last September. That States: "After a review of your claim, we must respectfully deny further personal injury protection benefits for all injuries and/or conditions being claimed, for all dates of services, except for your left ankle." Without any rational to justify this action. Then, State Farm went so far as to call Progressive Medical and instructed them to cease paying for all my medications. Even though they are ordered for both my ankle and/or back!

On July 28, 2011, I was contacted and told that due to a traffic violation that their background check didn't initially uncover, my rate would actually be $238/month. I immediately called and said I was unwilling to pay that and wanted to cancel the plan immediately. I then signed on with a different insurance company.

Because I paid for a month of insurance, but only received two weeks of insurance, I asked when I could expect my refund for the days unused. I was told that I would be charged based on the $238/month that I never agreed to and therefore not receive a refund. I argued that they can't retroactively charge me on a rate I never agreed to. I never would have started an insurance plan with them at that high rate because at the time of signing on, I had other rate quotes around $110. They said there was nothing they could do.

Written at the passenger's side was HUGHES ** DIED. There were also paintings on the road. The investigator started a stress test. 2 boys admitted to the paintings but not to all the vandalism and terrorism they caused for 2 two years, which was hidden from me. More happened to our property. However, I did not submit it as a claim. On January, my son was side-swiped in ice -- hit and run. Yeah, they charged my son for the accident and submitted it as collision. What do we have UM for then? Wow, the agent's not to bright. I will take my $30,000 a year elsewhere. I have advised my agent that I will press charges and give them all information and witness. That's too much work for them. It's not fair to State Farm and neither to my family. I never heard of that from other companies, or I have managed in the past. These claims were out of my control and we even tried to hide vehicles, which we shouldn't have to at our own home; and we should not be held responsible for vandalism. Our authorities need to stop making friends and make some arrest; and we both would receive money back that's due for us.