State Farm Insurance

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FISHYPETE said:
All insurance companies make money by ripping us off. I had ‘Nation Wide Is On Your Side’. Far from the truth
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They almost tripled my home insurance cause of people gettin black mold. I told them I didn't have fun making them that's tough doo doo!15 minutes later I canceled. They thought they had me cause they said I have to have insurance cause of my loan.I laughed and said sent me a refund and make it snappy. I had gotten insurance with more coverage with 300 less a year! Paid in full for a year!
 
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couple things one is yes insurance is a racket and one of the most powerful organizations financially and legally in the United states. you can thanks all the greed feed lawsuits and attorneys for that. Second insurance fraud is off the hook causing legitimate claims to be questioned beyond what it would be if we lived in an honest society without lawyers. You just need to look back in our society 50 years or so to validate that.
 
Dart Frog said:
couple things one is yes insurance is a racket and one of the most powerful organizations financially and legally in the United states. you can thanks all the greed feed lawsuits and attorneys for that. Second insurance fraud is off the hook causing legitimate claims to be questioned beyond what it would be if we lived in an honest society without lawyers. You just need to look back in our society 50 years or so to validate that.
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50 years? William Shakespeare wrote "Kill all the lawyers" between 1596 and 1599, so he knew way back then.
 
Scody21 said:
They have to make the car just the same as prior to accident, or pay up.
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No, they actually don't.
Depending on the sweetheart deals they have made with the State Insurance Commissions, they can get away with murder. And I bet that with the billions of dollars insurance companies have to grease the skids, it is done in every state. I had a Dodge Dakota that I loved. It was a 4 cylinder 5 speed. It did everything I needed a truck to do and got great gas mileage. When I bought it, it was a solid truck that was just a little rough around the edges. I did a high level of body work to prepare for a black paint job. I painted it in my garage. Then I powder coated the wheels, got new tires, powder coated the bed rails and completely rebuilt the front end. The interior was next. The daughter of the lady across the street piled into it and damaged the left bedside and the cab corner. Her insurance company (a name I had never heard of before) Totaled it and offered me $2700 and they take the truck. At the time the KBB value was $6500. They told me that for vehicles over 10 years old, they had their own book. They said they used similar sales in the region to assess values. So a crappy similar truck with faded paint, rust holes, bald tires and a horrible interior that sells for $2500 is what they used. I asked the Kansas Insurance Commission if using a "secret" book was legal, and they said yes. I fought with them and eventually got $3500 plus I kept it. Considering the salvage value of that truck, I got screwed out of $2500.

So they DON'T have to "Make the car just the same as prior to the accident, or pay up."

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A lot of people also don't understand this point. There's a lot and I mean a LOT of insurance fraud that goes on......and is gotten away with. While I agree 100% that insurance is a big scam and insurance companies can certainly be unscrupulous, there's another angle. They've been forced into some of it to try and cover their own butts. The bottom line is, if you think you're gettin the short end of the stick with an insurance company, tell them you're going to call your states insurance commissioner's office....and THEN DO IT. Don't use it as an empty threat. They hate having to answer to someone and they HAVE to answer to the commissioner's office. That's the commissioner's job.
 
harrisonm said:
No, they actually don't.
Depending on the sweetheart deals they have made with the State Insurance Commissions, they can get away with murder. And I bet that with the billions of dollars insurance companies have to grease the skids, it is done in every state. I had a Dodge Dakota that I loved. It was a 4 cylinder 5 speed. It did everything I needed a truck to do and got great gas mileage. When I bought it, it was a solid truck that was just a little rough around the edges. I did a high level of body work to prepare for a black paint job. I painted it in my garage. Then I powder coated the wheels, got new tires, powder coated the bed rails and completely rebuilt the front end. The interior was next. The daughter of the lady across the street piled into it and damaged the left bedside and the cab corner. Her insurance company (a name I had never heard of before) Totaled it and offered me $2700 and they take the truck. At the time the KBB value was $6500. They told me that for vehicles over 10 years old, they had their own book. They said they used similar sales in the region to assess values. So a crappy similar truck with faded paint, rust holes, bald tires and a horrible interior that sells for $2500 is what they used. I asked the Kansas Insurance Commission if using a "secret" book was legal, and they said yes. I fought with them and eventually got $3500 plus I kept it. Considering the salvage value of that truck, I got screwed out of $2500.

So they DON'T have to "Make the car just the same as prior to the accident, or pay up."

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In a different claim than the one we are fighting now, I got T-boned 2.5 years ago in my bothers 03 Ram 2500 HD Cummins 4 door short bed 6 speed 4x4. The truck was a unicorn, they only made 6,000 of them for the year. It had 250k miles and was rather clean for 19 years old. So a drunk driver hit me in the front driver corner right in front of the wheel. My bother had a trailer hitch mount on the front frame rails, the hit banana’d the frame, and front bumper, grill and finders. We know the local body guy, had him come and quote the repair, 32k as it need 15k in labor and 17k in parts. The insurance company used his estimate, they pulled comps that were not even close to what the truck was. The KKB value was like 14k but the market valve was at 25-30k at the time. We ended up sending them like 50 trucks for comps from all over the states, cus they were retarded and there was no comps in Northern CA, all of OR, NV, or WA. Mind you comps have to be cars on dealer lots with a stock number. We would not settle with the insurance CO, we kept pushing back, and playing their games. We ended up with 27k to replace the truck and kept the wrecked truck. I have a friend that is a claims adjuster for Zerek, you have to keep pushing back and not settle until you feel you get a fair deal. And yes each state is a little different.
 
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I've heard people slam Geico all my life. Kitty and I were with Geico over twenty years. The only reason we aren't now, is because we found something just as good for less money. On our budget, (or lack there of) that's important. We were in a bad accident in my 2004 Ranger in I think it was early 2017. I was not the at fault driver. The little truck was really nice, but it showed its age with some scratches, a few small dings and such. But it had the full power package and everything worked. It was a nice little truck. 3 days after the accident, the adjuster was at our door with a check for like 200 dollars less than high retail on that truck. Although it was nice, it was NOT that good. No arguments, no fussin and fightin. Just "here's your check". It's hard to argue about that.
 
Well, the adjuster came today. Said he was going to have to put some work into this. Bumper is sprung, if there are re-pop bumpers for a 75, I haven't found them.
Up side, the PDR guy got a hold of me today, says that he can do the work and wasn't hateful on the cost.
We'll see how it goes.
 
gunbunny said:
Well, the adjuster came today. Said he was going to have to put some work into this. Bumper is sprung, if there are re-pop bumpers for a 75, I haven't found them.
Up side, the PDR guy got a hold of me today, says that he can do the work and wasn't hateful on the cost.
We'll see how it goes.
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Sounds like a step forward.
 

There is a lot of good information here… I was an adjuster for the last 15 years for Allstate and worked all over the country. We’re like 50 different states when it comes to insurance and vehicle registration..things of that nature. Things can vary a lot depending on the agent, the shops and the adjusters from literally one part of town to another.
There are some marginal agents, body, shops, and adjusters everywhere you go. A company I have discovered in the past year is collision safety consultants, they got a friend of mine $3000 additional for their totaled Toyota. They reached an agreement with the insurance company within about two or three days…after she had gone round and round with them.
If you have a total vehicle or a shop that has an estimate higher than your insurance company is willing to pay and expect you to pay out of your pocket. Check them out….. no, I’m not affiliated with them.
Collision Safety Consultants | Diminished Value & Total Loss Expert
 
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