Ron_H

State Farm SUCKS, period, in my opinion. What State Farm did to me after my car was hit while stopped legally at a red light and rear ended by some punk kid was criminal at the very least. And they're my insurance company, with no points or tickets, (well, no convictions, actually). They are trash. They are crapola. I have no aloha for State Farm at all. Beware of them. Smiling faces when you pay your premiums, but stub your toe, and they will do anything and everything they can to screw your okole big time. Oh yeah, I had an insurance claim for a sand damaged windshield once. Poor guys did pay for that. And once a truck driver hit my 914/6 and ran, but I got his company name and license number and they paid for a bumper. Poor guys. But let yourself be injured at someone else's fault, and watch State Farm try to escape coverage for medpay, and try to disrupt your legal claim and your settlement and anything else they can ruin. F*** them

Perry 951

Danger-

Coming from an insurance adjuster, well said.

However, a good adjuster/company will keep the best interests of an insured and attempt the lowest possibile settlement. even if the policy is maxed out. If a claim is paying $1.2M, sombody screwed up big (IE gross negligece and or death) and fighting will only go so far; the jury will decide. If there is a possibility of settlement or suit below limits, the company shoud fight for what is proper.

Hit me up if you want to know something specific about total values and salvage. It varies by state.

H2

Ron,

I take it that you're not in the mood for a group hug with State Farm? Let me know if you can find a company better than GEICO. I hate them all about equally I'm thinking, just that I dislike GEICO the least. It's true that you never know your company until until you really need their support....and if they stand to loose much money, they'll fight to keep their costs down...hence the rates you pay. Not sure how to resolve the insurance thing. Just don't wreck is the best advice....as far as advice goes.

H2

RngTrtl

My family too has been w/Statefarm forever and they have always does us right on all accounts including a 1 wreck that I had. Maybe it is agent specific and not the entire company that is either good or bad. I just got 6 months a ins. for $196.00. I dig statefarm, but thats just me. Sorry to go OT.

Ron_H

Hughett:

Yes it is fair to say that I have no love for State Farm. My experience has been that they are all ****** and all live at the same address. My agent had nothing to do with my experience. What happened was generated from their head office in Sacramento (a city of clowns and ******). And what they saved was insignificant in the end. With three separate orthopedic surgeons concurring that I had damaged my knee as a proximate cause of an accident I didn't cause, and all agreeing that I would need extensive surgery to the point of never being able to drive a stick shift car again. State Farm (my company which was paying my medpay as they should while the case was being sorted out), asked me to visit their "surgeon". My attorney identified this man as a "known paid insurance *****" (his words). After my visit to him, and his finding that I was uninjured and needed nothing, State Farm cut off my medpay and left me to foot the bill and the legal expense to recoup the ultimate expense of my surgery which occurred not less than three weeks later. I watched as the surgeon removed damaged cartilege from my knee and have a video of the whole surgery. The knee jammed up and couldn't bend shortly after the paid ***** said nothing was wrong. This $%&#*@$#&!! ******* should be thrown from a freeway overpass at rush hour. Of course the defendant jumped all over the guy's "finding" to try to leverage the settlement in their favor. I am informed that this is common practice among insurance companies to screw their own policyholders regardless of who was at fault. So I am not anxious to trust any other company. As the man said to the woman in the bar: "Lady we aren't debating WHAT your are, we are just arguing about the PRICE !!?" Screw 'em all !!!

On the positive side, I am still ambulatory. No thanks to State Farm and all the years I've paid my premiums.