my brain just threw up a little…

June 25, 2013

@StateFarm

Filed under: commentary,Did You Know,immortalized (™) — Sol @ 2:59 pm

Seventeen years with statefarm…

Two accidents I was not responsible for happened inside last three years.
Two separate claims were filed totaling at combined $8k that you had to pay out.
You have raised my premiums after both the accidents!
After the last accident I was told that the dead engine of my rear-ended truck was a “pre-existing condition.”
Twice your estimators were in the shop to re-issue same quote for bodywork, and twice they have neglected to consider the little fact that this truck is not operational.
Repair shop had to wait eight days for the estimator to arrive for the second time, just to have said estimator tell the repair shop that they will not authorize the repair unless owner will authorize the repair at owners expense.
You have reserved to telling me that I have to pay for my truck’s repair, which you will later reimburse depending on whether or not the shop finds that the damage to this truck was sustained during this accident.
You did not compensate the repair shop for the OEM part, and you have requested that they use a previously used junk part instead. Please note that we are talking about a FUEL PUMP. You know, a piece of electrical equipment at the bottom of a thirty three gallon tank filled with gasoline.
You conveniently neglect to mention that I have to tow my post-accident vehicle to a shop on some “approved list” copy of which is not readily available at the scene of the accident. Your agents whom I called from the scene of the accident authorized towing of my vehicle to a shop which later turned out to be NOT on this list.
Airbag sensor replacement was not authorized by your estimators and agents after the airbag warning light went on following the collision.
My email did not receive notification of my policy expiring on May 10th and my policy was cancelled by State Farm. I unknowingly drove an uninsured vehicle for two weeks before finding out that this policy was cancelled.
Two of your major competitors offered a multi-vehicle discount considering both my truck and my motorcycle as vehicles. I was told by State Farm agents that State Farm doesn’t consider a motorcycle as a vehicle. My BMW motorcycle is a fine fine vehicle. Please consult with DMV/SoS regarding this motorcycle’s status as a vehicle.
After my premiums were raised twice through no fault of mine, you resold me same policy at latest quoted price, but your agent have neglected to quote a correct price. Agreed upon price was charged to my account, and in just a few days I was billed the remaining amount. When I contacted State Farm offices asking for a clarification on the “extra” bill, I was told that this is a reinstatement fee. Bill issued says nothing about “reinstatement fee.” This leads me to believe that the charge was 1. Misquoted. 2. Misbilled. 3. issued erroneously.
Truck was just paid off yesterday. I have reached your 24/7 services and requested a change to the policy covering my truk. I was told that the 6mo price is being reduced by $84. Which breaks down to 14/mo. I was told that the change is immediate, but will not happen until tomorrow when my agent’s office will do the necessary changes. Earlier today I missed a call from the agent and I called back to make sure that change of the policy took place and to get my refund. Your representative did not give me an option to get a refund. I was told that the money will not be refunded but instead will be applied as a credit towards the next six months. I insisted on other options and unwilling agent said that even though the change to my policy is immediate, it will take 39 (Thirty Nine!) days to issue a refund. Why?!

Let me quote this:
“Insurance is the equitable transfer of the risk of a loss, from one entity to another in exchange for payment. It is a form of risk management primarily used to hedge against the risk of a contingent, uncertain loss.
An insurer, or insurance carrier, is a company selling the insurance; the insured, or policyholder, is the person or entity buying the insurance policy. The amount of money to be charged for a certain amount of insurance coverage is called the premium. Risk management, the practice of appraising and controlling risk, has evolved as a discrete field of study and practice.
The transaction involves the insured assuming a guaranteed and known relatively small loss in the form of payment to the insurer in exchange for the insurer’s promise to compensate (indemnify) the insured in the case of a financial (personal) loss. The insured receives a contract, called the insurance policy, which details the conditions and circumstances under which the insured will be financially compensated.”
(from http://en.wikipedia.org/wiki/Insurance)

And I will also quote this:
“A racket is a service that is fraudulently offered to solve a problem, such as for a problem that does not actually exist, will not be affected, or would not otherwise exist. Conducting a racket is racketeering.[1] Particularly, the potential problem may be caused by the same party that offers to solve it, although that fact may be concealed, with the specific intent to engender continual patronage for this party. A prototype is the protection racket, wherein a person or group indicates that they could protect a store from potential damage, damage that the same person or group would otherwise inflict, while the correlation of threat and protection may be more or less deniably veiled, distinguishing it from the more direct act of extortion.”
(from http://en.wikipedia.org/wiki/Racket_(crime) )

So… which one are you, StateFarm?

This is what is going to happen. I will find a different insurance provider who is more serious and respective of my needs, resources, property, and time. Someone who will not try to rip me off. Because, you see, good neighbors do not do that, StateFarm.

Then we will talk about the rest of the refund finding it’s way into my possession in a reasonable amount of time.

I was with StateFarm for seventeen years.

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