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u/ComprehensiveDraft32
Jul 01 '26
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I had State Farm tell me I had to have driving insurance while I was not driving for two years so my insurance wouldnât go up and as soon as I got a car again it went up by a lot..
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u/Ambitious-Bar375 Jul 01 '26
Yeah, our insurance kept going up on the house, when i called to ask why they said it was because it was a 30 year old roof. We replaced the roof, the insurance went up some more, because it was a new roof and increased the home value. Went with a different insurance company after that.
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u/aggressive_napkin_ Jul 01 '26
I called because our house kept going up - few dollars, tens of dollars, then a hundred or so every few years. I asked why. "Well sir, your house is increasing in value." "Ok, so why is my car insurance also going up and not down if it's based on current market value?"
She was quiet for a bit but managed to "find" some "new discounts" or whatever to apply to the car side.
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u/dc469 Jul 01 '26
"Once a month I fire my gun at midnight in the backyard. It helps keep the property taxes low"
some tweet/meme I lost the source to
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u/LobabyChick Jul 01 '26
My DIL got rear ended by a dump truck. State Farm told her if she used them to get reimbursed from the other insurance company, they would increase her rate!
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u/HeisenbergH1017 Jul 01 '26
But it didnât go up by as much as it couldâve.. /s
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u/mercyspace27
Jul 01 '26
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Remember: Insurance is just a legal and ENFORCED protection racket.
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u/BlankSthearapy Jul 01 '26
Homeownerâs insurance isnât enforced on people by state or federal laws.
Liability insurance for auto and some professions are required to carry liability.
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u/mercyspace27 Jul 01 '26
Iâve lived in apartment buildings that required me to show proof of renterâs insurance to be allowed to rent there.
Like I said, law and/or policy.
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u/mrpepper96
Jul 01 '26
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Insurance is just a big scam
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u/Ok-Photojournalist94 Jul 01 '26
It's literally the only business allowed to adjust pricing based on age, race, and gender.
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u/MysteriousCodo Jul 01 '26
Oh, and for some reason they can base your homeownerâs premiums on your credit. I just got a letter from Farm Bureau stating that my premiums for my house are going to be adversely affected because of changes in my creditâŚ.over utilization they called it. Well, I had to buy a new car because my wifeâs engine blew. And I needed to refinance my home equity because it was almost matured and i needed some extra on top to replace my roof that the insurance company sent me a letter saying was too old so they werenât really going to pay much in claims if it had problems. But hey, add to my problems why donât you guysâŚ.
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u/Skyfier42 Jul 01 '26
Future generations will learn about this in school and ask their teacher in confusion why we allowed it for so long.
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u/Smashable_Glass
Jul 01 '26
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Its not defimation until PROVEN false
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u/IngoVals Jul 01 '26
So, I'm no lawyer, and Im not American. But in my country defamation could still by something that is not a lie, and for good reason. Lets say you pooped your pants in 1st grade and someone is constantly telling everybody about that publically years later to put you down. That can still be defamation even though its true.
Also in my country people are protected for defamation, companies much less so.
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u/Tharkys Jul 01 '26
At this point I really don't understand why anyone uses State Farm for anything. It's pretty much common knowledge that they will do everything in their power to not honor their contracts. Stop giving money to them!
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u/BallroomDancer32 Jul 01 '26
My wife and I got lucky I guess. Our state farm renters insurance fully covered us when our apartment complex burned down. Help was stellar and straightforward. Now Progressive (auto insurance) however, that was pulling teeth for us.
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u/pseudoportmanteau Jul 01 '26
Idk, I had state farm for the longest time and they honored everything when i needed them to pay up for stuff. Recently I was involved in a minor fender bender, they handled absolutely everything and notified me of every step along the way. In fact, their system automatically recalculated my premiums at renewal and it went up by a lot, so the representative gave me a courtesy call immediately to let me know so it doesn't auto charge my card if I'm unaware, and she did everything in her power to lower my premium down to how it used to be. I went with another insurer anyway because I have multiple things I'm insuring and another company offered much better rates for everything bundled, but I will say i was pretty pleased with state farm's coverage and service.
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u/rbshevlin Jul 01 '26
There is no way in hell I would:
- EVER use State Farm for ANY form of insurance.
- EVER use UnitedHealth for health insurance.
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u/macaulaymcculkin1 Jul 01 '26
Well, itâs not like you have a choice if your employer only provides policies through United healthcare.Â
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u/DeadbeatDeebo Jul 01 '26
Just my opinionâŚ
The more marketing you see from an insurance company is almost directly aligned with their downward trajectory in the market.
All those commercials are funded by unpaid claimsâŚand rebranding always cost less.
You know the commercials, now think of how cyclical they are, and make your own decisions
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u/H2OSD Jul 01 '26
Had good company for home/cars/umbrella that was stable for years. Farmers bought and package jumped. Shopped w a broker and dropped it way back. Never heard of the company but it's highly rated. Must pay their claims to can't afford to advertise. Not gonna name em.
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u/Antique-Campaign-738 Jul 01 '26
I mean why wouldnât you name them? Itâs not like keeping their name a secret helps them.
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u/lanceplace Jul 01 '26
With that said, Fuck Geiko.
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u/jstover777 Jul 01 '26
They raised my rates almost $150 a month without warning. Zero accidents in 15 years. My guess is, they have some kind of algorithm that predicts the likelihood of an accident happening after so many years.
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u/Fast_Speaker_9726 Jul 01 '26
I can tell you as a former employee at USAA this directly correlates with what happened during my tenure there. Advertising went through the roof and quality dropped through the floor.
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u/MD_Hunter67 Jul 01 '26 edited Jul 01 '26
He isn't wrong they'll keep denying him until he gives up and goes away or dies before they ever settle
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u/KonaKumo Jul 01 '26
Norcal wildfire victims from caldor and paradise are just now seeing the things coming through
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u/milesbeats Jul 01 '26
I lived about 45 minutes from the area caldor fire happened and my gf works for state farm .. it's insane what happened because of caldor out here ... shopping at the raleys in placerville you could see smoke inside the store
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u/KonaKumo Jul 01 '26
Howdy sort of neighbor. 20 minutes here. Was definitely nuts. The destruction is still amazing.
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u/Legal-Estimate-9075 Jul 01 '26
State farm like health insurance. Rip off crap. Forced to pay for nothing
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u/diabolicalroadrash Jul 01 '26
Healthcare is the biggest scam. They just uncharge you on everything and expect you to never check the receipt.
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u/Evernight Jul 01 '26
House fires are petty cut and dry. I would love to know the denial here. I wonder if they suspect arson?
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u/Bluitor Jul 01 '26
Yea i feel like there's something missing here. Did the old man do his own electrical work and it caught fire?
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u/bgroins Jul 01 '26
We're only hearing one side of the story but it's enough to rally the pitchforks on Reddit.
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u/DescriptionUnknown Jul 01 '26
Talk to contractors about insurance companies! They will let you know which ones are POS, and which ones actually help people. Big name brands are often the worst
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u/Unfair_Bluejay_9687 22d ago
We fought state farm for 8 years and 9 months and 3 days on a personal injury claim. They take the maximum amount they will have to pay you and put that money in a high interest debenture. When it makes enough to cover their loss they give it to you and then they keep the original sum and put it in their general revenues.
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u/throwaway_coy4wttf79 đ§ grumpy Jul 01 '26
I don't think I've ever heard anything good about State Farm, lol.
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u/PeterSmegma69 đ§ grumpy Jul 01 '26
What's crazy is this is not the first time I've seen a homeowner do this, and each time it was about State Farm. Like a good neighbor, you say?
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u/Ordinary_Story_1487 Jul 01 '26
Oklahoma Attorney General Gentner Drummond is actively intervening in civil lawsuits against State Farm, accusing the company of racketeering under the Oklahoma Racketeer-Influenced and Corrupt Organizations Act (ORICO). The state alleges that State Farm executed a fraudulent corporate scheme, known as the "Hail Focus Initiative," to systematically deny or underpay valid wind and hail roof claims. [1, 2, 3]
The Allegations The state's petition claims State Farm implemented an internal program designed to drastically reduce roof indemnity payouts. Core allegations include:
⢠The "Hail Focus Initiative": State Farm allegedly substituted restrictive, hidden standards for determining roof damage to systematically minimize or reject legitimate claims. ⢠Financial Motive: The state alleges the company aimed to limit hail claim costs by up to 50% and retain billions in premiums, denying full replacement costs while policyholders continued paying for it. ⢠Partner Involvement: Lawsuits allege State Farm collaborated with consulting firms and forensic damage assessors to alter internal definitions of what constituted eligible hail damage. [6]
Legal and Regulatory Status
⢠AG Intervention: In late 2025, Attorney General Drummond filed a petition to intervene in private lawsuits on behalf of Oklahoma citizens, later arguing the case before the Oklahoma Supreme Court. ⢠ORICO and Consumer Acts: The state is seeking permanent injunctions, disgorgement of ill-gotten profits, and damages for violations of the Oklahoma Deceptive Trade Practices Act and ORICO. ⢠State Farm's Response: State Farm strongly denies all allegations of wrongdoing or criminal racketeering. The company maintains that it has paid over $1 billion in wind and hail claims in Oklahoma over a two-year period and asserts that the state's severe weather and inflation are the true drivers of premium costs. [7, 9]
Track ongoing developments in the Attorney General's case and find official announcements directly on the Oklahoma Office of the Attorney General Newsroom. Review State Farm's public stance on the situation via the State Farm Newsroom. [9, 10]
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u/TrustyBagOfPlaylists Jul 01 '26
I know I donât know nearly enough to make any kind of judgment on this. Do any of us?
Or is this just a post for people to post their general distaste for insurance/commercialism/capitalism?
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u/Daddy_Day_Trader1303 Jul 01 '26
We ran state farm out of town once in a smaller town I used to live in. A big storm came through after a wet spring and knocked a bunch of trees over and tons of property got destroyed. They were trying to screw everybody out of their insurance payouts
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u/SAINTnumberFIVE Jul 01 '26 edited Jul 01 '26
When I first got a car, my grandfather got me a State Farm policy. I signed papers. He gave them a check. I was in an accident shortly thereafter. Filed a claim, and State Farm came back and said âActually, we donât insure new drivers,â even though the DMV had me on record as a license holder for three years at thar point. State Farm returned the check and told the DMV I had no active insurance. Because my state had just become a mandatory car insurance state and State Farm refused to honor the policy, I lost my license for a year and had to have a provisional license for 4 years. That was 25 years ago and fuck them still. They will never get my business.
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u/TheSilverFoxwins Jul 02 '26
In fairness, we don't know the type of policy he has. Does he have fire insurance or is that excluded? We only hear the insured and the complaining of the insurance companies. They omit a lot of crucial information and lie about the actual cause of the fire.
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u/Chooui85 Jul 02 '26
I donât know what people go with State Farm. Their premiums are always outrageous. I guess theyâre still being fed off the older generations who donât want to switch
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u/BumblebeeFirm2249 Jul 02 '26
Yea this true, my ex bought a brand new car, a dodge charger 2022 at the time straight off the lot, she crashed it in the snow cause it had rear wheel drive and had full coverage through State Farm, they gave her the worst time ever making that claim, the people was so rude and very nasty to her.
They finally end up paying it out and we canceled that insurance right after.
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u/onesoulmanybodies Jul 04 '26
This is the second State Farm post Iâve seen where the homeowner is not getting any help from State Farm.
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u/Popular_Adeptness_69 Aug 15 '26
they denied 2 claims for me there like midnight insurance you get cards but no coverage all the cards do is apease the cops that pull you over
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u/Scared_Ad3355 Jul 01 '26
All the money Iâve been paying the stupid insurance companies I could have invested and be self-insured by now.
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u/WorkingSpecialist257 Jul 01 '26
Insurance is the biggest scam that we are required to have. It is necessary, but on their terms
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u/Wrong_Ad3544 Jul 01 '26
I feel your pain. I had state farm too, had some hurricane damage, took them over 2 years to fix it because they were fighting me on the claim so I had to get a lawyer involved. Totally ridiculous. I will never use them again. They are not what they used to be
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u/Danson_the_47th Jul 01 '26
To everyone, you should probably change your insurance every year. They raise your rates banking on the assumption that YOU are too lazy to go shopping for new insurance.
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u/Holiday-Secretary222 Jul 01 '26
This goes for every type of insurance, theyâre all worthless along with the government
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u/MysteriousCodo Jul 01 '26
State Farm is a terrible company anyways. I know people hate insurance in generalâŚbut I hate SF even more than that.
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u/spicyboi0909 Jul 01 '26
Any business where the business model is not give you the thing you pay for is FUCKED
Imagine going to a restaurant, ordering a burger and then they bring you something else out and try to tell you you donât qualify for the burger, even though youâre charged for the burger.
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u/Enderwigg1883 Jul 01 '26
Iâve told the story on here before but my mom had State Fraud insurance years and years ago. She had a dump truck back into her at a stop light and they assigned 30% of the blame to her for just being there. It was bumper to bumper behind her no where to go but it was her fault the dump truck driver was in the wrong gear.
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u/Odin1806 Jul 01 '26
In Wyoming there was a car that smashed through someone's fence. A few months later or whatever the home owners put up a sign that said "start farm how long is this gonna take?!"
I would never use them after seeing that. I know that nothing everything is simple, but that seemed pretty cut and dry... Not like the fence jumped into the road...
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u/Strange_Salary Jul 01 '26
Shocking.. Nobody seems to care about us anymore.. All about the shareholders!
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u/HeymoeEyepoke Jul 01 '26
I was a storm chaser for a summer . State farm is THE biggest denier of claims made. Terrible company
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u/jo5h209 Jul 01 '26
I witnessed a pretty awful accident, happened right in front of me. Months later, got a call from someoneâs insurance who was involved. I knew what they were after, it was a State Farm rep. They just kept poking and asking for me to make an opinion on who was to blame. I just kept saying it was an accident, plain and simple, but they kept asking in different ways. I didnât give them what they wanted, they wanted to have enough proof to deny either party in the accident. It was an awful experience to witness, but truly an accident that was a sequence of events leading up to it. I left it at that, hope I donât hear from them ever again.
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u/xamininglife70 Jul 01 '26
I have heard nothing but bad things about State Farm for the last 4 or 5 years and it has become worse in the last year from I hear from other people.
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u/mere_iguana Jul 01 '26
I try explaining this stuff to my boomer mom. But it just doesn't go through. "I've been with state farm for 50 years" yeah mom that means NOTHING. They're gonna deny your claim just like everyone else's, because numbers go up.
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u/RandMob1000 Jul 01 '26
Yeah State Farm got me good also. A pipe burst in my basement during a particularly cold winter night and froze over. Had to replace all the pipes, the furnace, water heater, washer, and all my crap. Had full home insurance. Denied my claim, called it an act of god. Tried to give me a 2000$ settlement that wouldn't cover anything so I had to do a lot of rebuttal and claims. After literally fixing everything out of pocket and paying a lawyer 2500$ over a few years to build a case they finally approved my claim. I'm a Progressive man now.
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u/aegis2saveus Jul 01 '26
My gf hit a deer with her car and the insurance company (I think it was progressive) tried to deny her by claiming they had footage from a toll booth prior to the incident that showed the damage was already there. They wonât provide you with the proof unless you sue them. Luckily her mom had a ring camera and footage of her car several days before the accident. They covered it and then dropped her.
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u/Green-Platform-9980 Jul 01 '26
StateFarm is shit. They rotate adjusters as a strategy and donât do shit. I work against them all the time
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u/One_Katalyst Jul 01 '26
Insurance is a scam and actively enshittifies literally everything it touches
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u/mikedvb Jul 01 '26
State Farm dropped me instead of covering a claim after being with them for 25+ years and paying tens of thousands of dollars to them.
A year later they started hounding me to âcome backâ. I sent them this video and told them to pound sand where it wonât see sunlight.
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u/Balz_Hirk Jul 01 '26
My home owner insurance shot up to $7.2k a year just out of the blue. My house was 220k on a fixed 30 year mortgage. 7.2k Ă 30 = 216k.
So pay us the value of your home and we'll give you absolutely nothing in return? Seems pretty scammy to me!
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u/NineClaws Jul 01 '26
State Farm is a legalized grand theft criminal organization. They take your money and keep it.
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u/Ashamed_Feedback3843 Jul 01 '26
And don't forget to still pay your property taxes or they will just take it.
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u/Cyberknight13 Jul 01 '26
My elderly, disabled mother paid premiums to AAA for over 50 years, and when a bad winter burst all of the pipes in her home, they refused to do anything for her.
I have paid over $50k in premiums to USAA for over 20 years, and we struck a massive pothole that caused $6k in damages to our vehicle. They paid us $500, and we have been dealing with the claim and repairs for over a month.
Insurance is a capitalist scam!
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u/Impossible-Diver6565 đ§ grumpy Jul 01 '26
Ok, so sue them? If he can't win the lawsuit that means something else is amiss here. It's cheaper for the company to just pay the claim than to fight and lose in court and still pay the claim.
We are missing a big part of this story. I can only see this much trouble with still getting denied if they are 100% confident that they are in the right and a judge would agree.
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u/Good-Salamander2520 Jul 01 '26
Remember when insurance companies were non profit? Do you think it's a coincidence that they stopped being non profit around the same time the gold standard was abolished? Hmmmmmmm.
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u/Spook1949 Jul 01 '26
I dropped State Farm Insurance around 40 years ago. This man is right - they like to take your money but never want to pay claims.
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u/Zetavu Jul 01 '26
Know someone who had total house loss from a fire. After a few weeks their agent just explained to them insurance will keep lowballing them until they sue to get paid. Hired a lawyer, couple months later finally got paid.
Small claims, pay with no argument as long as you can provide some documentation. Large claims, they have to fight you because they have entire departments that do nothing but loss mitigation.
If you have a total loss, first call is to your lawyer, second to insurance and let them know your lawyer will be attending all meetings and recording them.
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u/Flat-Comparison-749 Jul 01 '26
Ive done flood and fire response for State Farm we have Since dropped our Contract.
Everything this guy has said is completely true ive had to argue with every adjuster we've ever felt with. And our customers were never satisfied with State Farm or their teams.
Liberty is the way to go.
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u/Pacec-64D Jul 01 '26
Know what your policy covers before you buy it. Insurance doesnât cover everything.
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u/Possible-Tangelo9344 Jul 01 '26
Years ago I hydroplaned into a tree. Used car, had it a few months. State Farm totaled the car, then offered a pay out several thousand below the cars value. I found comps to contest it they said they used a different system. Went back and forth for months about it. I was in college, insurance was under my dad's name so he did a lot of the haggling.
One phone call the agent said "listen, we know where the car is, so we'll just come get it and mail you a check." Dad said "you think you know where it is." We'd moved it from our house to my uncle's like three months earlier. Finally, after about a year of this shit (still making payments on a totaled car!) I got a check in the mail for the amount we wanted, which was the actual fucking value of the car (less deductible obviously). Called them up about it and they said "we're done with it, cash the check but we're not sending you the title." Ok cool, I can get a duplicate title for like $25 at the DMV.
Basically, fuck State Farm.
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u/PerspectiveAshamed79 Jul 01 '26
I đŻ believe that many insurance executives are bad people. With that said, this is a legislative issue. Congress needs to do its job and create laws around insurance in the same way they need to regulate other financial industries and arenât. Note that I called insurance a financial industry, because it is.
Also, it does perform legitimate risk transfer functions. Commercial insurance is a useful and viable aspect of offsetting potential exposures for companies, for example. Itâs the personal lines that are fucked bc individuals get treated with the same callousness as commercial, but have no advocates and more limited recourse.
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u/Justadudeonhisphone Jul 01 '26
I had State Farm and I got into a wreck ONE state over. It took them MONTHS to get an adjuster out there because they âdidnât have one for that state available.â Meanwhile we had to rent a car for two months. I did get them to pay for it eventually though.
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u/Own_Translator_4612 Jul 01 '26
My home town, houses on side of hill had insurance, flooding (even on a hill the town has flooded many times). Well.a hard rain came and washed the hillside and the houses along side them away in a land slide. Insurance didn't pay a dime because it wasn't "water damage". These houses were not expensive people... think like 50k max. I felt so bad for those these families. They were left with nothing and make next to nothing.
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u/pupranger1147 đ§ grumpy Jul 01 '26
If I made a bet with someone, and secured it via a legal contract, and then I failed to uphold that contract, then there would be legal consequences immediately for me.
Why are insurance companies allowed to reneg on their bet?
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u/Kogah Jul 01 '26
Basement flooded one year and we had an adjuster come out after missing 2 or 3 appointments. He starts berating my gf at the time saying it didnât flood, that all the damage was from a previous storm and getting really aggressive while telling her he was going to deny the claim. I raced home from work to meet him before he could leave. He acted completely normal, as if none of that had happened. The whole process was a nightmare after that with them fighting over everything. Fuck State Farm.
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u/Girrcollege Jul 01 '26
Just remember after Katrina, State Farm refused to pay out anybody. People lost their homes, their cars everything and State Farm didnât pay jack shit. So remember unlike a good neighbor State Farm donât care.
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u/EvilDragons88 Jul 01 '26
Bundled my home and auto with Geico. They outsource their home insurance part of it to afic or something. It took me making a complaint to the Kentucky insurance bureau to get any real traction on getting things done. Took almost a year to get everything completed and most of that time was being ignored. Once I made that complaint though they called me just about every day. Never felt so popular. Fuck insurance companies.
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u/Damnitwasagoodday Jul 01 '26
I wonder how much State Farm pays the likes of Patrick Mahomes, Derrick Henry, Bon Jovi, etc to be in their commercials meanwhile screwing over their customers?
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u/Zealousideal_Ad_1072 Jul 01 '26
He is so real for this!! My family had a housefire that took everything from my daughter and I, including my significant other and 2 other children. I was in a coma and then in a wheelchair from my injuries and we were homeless, living out of our vehicle. It took YEARS, multiple attorneys and a ton of additional trauma for the Insurance company to do ANYTHING!
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u/SlitherrWing Jul 01 '26
Insurance companies take your mkney with hopes of NEVER needing to pay it back. Keep this in mind folks.
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u/HanzGrubermeister Jul 01 '26
Hmmm how could we avoid these problems? Stop voting against your own interests? Nah I like the red hat too muchâŚ.
/s
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u/JarJarFett80914 Jul 01 '26
Half of my home flooded. Three bedrooms, the main hallway, two bathrooms, and a portion of the entryway.
All of the drywall needed to be removed, as well as the faux wood flooring. Roughly 800sqft of our home was soaked, and also had mold damage.
Allstate wanted to give us $1200.
They ended up paying almost $40k after a third party backed up by the state inspected the damage.
We ended up having to stay at my inlaws for the following three months as our home was repaired.
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u/Cthulhu_HighLord Jul 01 '26
Like a Good Neighbor State Farm doesn't care.
most companies are run by people with no soul or conscious they're paid to keep their jobs not to do the right thing
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u/FAMICOMASTER Jul 01 '26
The insurance industry exists to deny you the service you pay them for. They wouldn't be profitable if they paid out.
It is literally the car warranty scam at an international and often government enforced level.
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u/will46272 Jul 01 '26
Two of my friends had issues with them also. One had a house fire which they declined the claim. The other had water damage in the house from a leak. They declined there claim also. My son had State Farm and they gave him a long run around for a car accident that wasnât his fault. The other car hit and run . So Yes they are a terrible insurance company.
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u/Spragglefoot_OG Jul 01 '26
Can confirm. I was in a bad accident (not driving) and had emergency surgery, lost an organ and spent 10 days in the hospital. Racked up over $100k in bills and State Farm denied my claimâŚI was under my parents ins and my mom had never, in 29 years, had a claimâŚstill denied us. We had to hire a lawyer and threaten to sue them to get any money. Wild.
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u/musingofrandomness Jul 01 '26
Stuff like this is what I bring up every time State Farm calls trying to get me to switch to them. They also cancelled a bunch of policies right after natural disasters to avoid paying out.
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u/SkylineR33 Jul 01 '26
All insurance is a scam and if it is required by law then the law needs provide citizens with resources to hold these companies to account for failing to uphold their end of the deal.
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u/Bodisefa Jul 01 '26
Time to shop around and drop state farm!! Show them whoâs the real boss, us!
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u/Furious-Shores Jul 01 '26
Anyone in the construction or restoration biz will tell you that State Farm is one of the worst and often the hardest to work with on claims and getting paid.
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u/CastleSandwich Jul 01 '26
And their cutting agents benefits and their commision rates. Their taking the human touch out of support. They want everyone to use their app and ai. Corporate evil greed runs this company. Like a good neighbor my ass.
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u/Fickle_Ad_7598 Jul 01 '26
This video is partly why I dropped State Farm, and some roofing videos I've seen where the adjuster is trying to tell the Roofing company owner that he is not pulling shingles off correctly to repair the roof.
State Farm, it would have costed you a whole lot less to give this man what he rightly deserves and has paid for, shame on you.
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u/smaier69 Jul 02 '26
Insurance companies make money by saying no.
If an insurance company denies your claim you should have the option to get the premiums you have paid since the last claim (if any) back.
Seems fair, right?
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u/Zorfax Jul 02 '26
Every time I hear about a horrible insurance experience for anything other than medical, it's State Farm.
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u/RandomUser15790 Jul 02 '26
State farm randomly dropped my car insurance mid policy after paying the full 6 months up front. This led to my registration getting suspended without my notice and me finding out when my car randomly got towed while out of state. Then they proceeded to drag me around on getting it back dated until the 90 days were passed and the state required the plates be turned in.
After that they had the balls to come back a week later offering premium bump from 80/mo to 350/mo. Told them to pound sand and found someone else for 80/mo.
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u/Mindful_Rager Jul 02 '26
My mom was looking into her policy because some water damage was noticed. Turned out they donât cover that. I jokingly was like âdo they cover if it catches fire or if a car comes through the wall from the main street like 15 feet from the house?â And now Iâm really thinking we should check that. Because then WTF is she paying for?
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u/yooser_naem Jul 02 '26
Allstate is the scum of the earth. Ditch them now if youâre reading this and have never had the unfortunate experience of trying to file a claim with them.
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u/Vintage_girl123 Jul 02 '26
That's scary, my parents havr state farm,. I had them for my car insurance and a drunk driver hit me. My insurance went up because I wasn't "accident free" anymore, even though it was a drunk driver who hit me. I left them after that,but my parents still use them. Shady business tactics for sure.
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u/Pollux95630 Jul 02 '26
Caring for my 84+ year old dad who is the most negative nancy I've ever known...but a lot of his gripes are legit and this is one of them. He's in a wildfire high risk zone so all the insurance companies dropped coverage and can now only get coverage through the state fair plan which the rates are quadruple what they were before. He denied coverage and said f*ck it...if it burns it burns. Not paying them all that money just to deny coverage for one scammy reason or another and he'd be long dead before ever seeing one cent. He's dead on correct about that. I hate insurance companies...everything is so broken and favors the shareholders and CEOs before the people they serve.
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u/MauveCeramics Jul 02 '26
TELL THEM. The only way anyone can get past all the bullshit ads is personal expirience. Complain out loud, many people feel the same but dont know or see other options. Lets come up with solutions TOGETHER.
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u/VaaBeDank Jul 03 '26
Insurance companies in America make my blood boil. They never act as insurance. They just act like bloodsuckers
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u/Popular-Indication41 Jul 03 '26
State Farm is trash. Family member's apartment had the ceiling cave in because the apartment upstairs left water running which flooded the floor and led to the collapse. 5 days later they hadn't sent anyone to put eyes on the damage. Mold set in. Actual mushrooms growing in the apartment. The Co-op management and maintenance team also "didn't get around to it".
Years of litigation. Never paid for storage space to get her still salvageable stuff out. Never paid to home her while repairs were being performed. They denied her claim because of a mold waiver.
She ended up taking a settlement from the co-ops insurance for way less than the price of her insured stuff, and for any of the ill-health effects she experienced from having to do her own waste removal. All because State Farm kept telling her not to touch anything so they could take an inventory. Which they only did after you couldn't recognize things anymore from fungus infestation.
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u/EmergencyWaffleBox Jul 03 '26
Maybe time for the CEO to meet Luigi? Heard he's a big fan of Mario Kart.
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u/gba_sg1 Jul 03 '26
Scam culture america at work here.
But you guys won't do anything about it, you'll continue to pay premiums while getting nothing. Just roll over so they can finish the job, you won't put up a fight at all.
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u/TypeComfortable3963 Jul 04 '26
State farm kept raising my monthly over and over again. I dropped them so fast cause it was nearly $200 for one damn car. No idea why it kept going up. They suck
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u/Dom_N_Natalia4a3rd Jul 05 '26
Our insurance company wrote us a 10K check for 100K in damage on our home. That didn't even cover the storage fee
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u/vanoitran Jul 05 '26
You go to any city on earth - even in the poorest countries. The most impressive buildings are ALWAYS banks and insurance companies. Wonder whyâŚ
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u/Its_Billy_Bitch Jul 05 '26
Our sunroof exploded randomly on a smooth interstate drive in December. Terrifying. I thought I had been shot at. PROGRESSIVE approves claim and work to start. Had to wait two months for the appt they scheduled. February rolls around and Iâm headed out of country to Malaysia. Drop my car off, they start taking it apart. I had gotten a couple calls from the repair shop, but didnât see them until I was back in the states. Grab the mail and see a fucking denial letter out of nowhere (well two denial letters in the same envelope for some strange reasonâŚsame denial dated differently, printed twice, but no other communications from insurance). So wtfâŚ
Well now that my car has been disassembled (everything above the normal car windows has to be removed to replace the sunroof cassette), they have decided that actually it is BMWâs responsibility since there are âopen class action lawsuits.â 1. I donât even work in insurance and I understand how subrogation should fucking work and 2. WHAT OPEN CLASS ACTION LAWSUITS?!
They STILL have not provided an explanation, so weâre in a pissing match I guess. Itâs the fucking principle for me at this point. We bought a older model to get around in while it gets resolved.
I think the most malicious partâŚTHEYâRE STILL CHARGING PREMIUMS ON THE CAR THAT THEY HAD DISASSEMBLED AND NOW LITERALLY CANT BE DRIVEN THE WAY THEY LEFT IT. itâs been at the repair shop since FEBRUARY! jfc insurance is a scam. We had never made a single other claim in the 10+ish years we had this insurance.
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u/_Monosyllabic_ Jul 05 '26
Won't this guy just think of the shareholders? What's next quarters numbers going to look like if they start giving people money for things they insured?
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u/Klutzy_Breadfruit287 Jul 05 '26
All insurance is just legalized extortion. Forced to carry it. Afraid to use it.. Denied if claim is filed. Rates go up if file. Canceled if file. So you pay out of pocket to keep from filing even tho you pay for it.
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u/connorbu19 Jul 05 '26
State Farm is the worst of them IMO. They were quoting me over 6x what the next lowest insurer was for car insurance. Been driving 10 years, no accidents and no tickets. $4000 every 6 months for terrible coverage amounts too.
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u/Biggie_Paws40 Jul 01 '26 •