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| Jack of All Trades, Master of Nothing  |
Actually he can go choke himself on a syphyllitic infected cock! So bought my Jeep Gladiator back in November, notified my local agent and got documents as proof of insurance to my credit union. December rolls around and my insurance bill is a lot higher than normal. WTF? Call my local agent and my F-150 that I traded in is still listed. Tell them that they needed to drop that last month. OK, no problem F-150 dropped and the amount paid will be credited to the policy on the Jeep. So for once a month I keep getting notifications from my credit union that they need proof of insurance on the Jeep. Keep sending them copies of my proof of insurance which expires mid April and think nothing of it. Get one on Friday that says they have been notified that my insurance on the Jeep has been cancelled. WTF? Call State Farm, they cancelled the Jeep as well as the F-150 in December when I called. So I've been unknowingly driving uninsured since mid-December. OK, fine, I'm pissed but let's get it re-instated. No problem, that will be $275/month. WTF? Well, you're no longer eligible for preferred rates since there was a cancellation. But the cancellation was your error and you cancelled the Jeep as well as the F-150. This goes round and round. I keep getting there was a cancellation and I can't do anything about it. Tell them fine, I'll pay the extortion for 1 month but I'll be shopping for new insurance policies for both my home and vehicle. Immediately call Allstate and get told to do whatever I can to resolve the issue with State Farm. Since there was a gap in coverage, their rates will not be any better. Call State Farm back, my agent is out of the office today and unavailable. His secretary who I told to cancel my F-150 back in December no longer works there. And there's nothing that they can do to re-instate my preferred customer rates. So yeah, I'm pissed, my agent will definitely be hearing from me! My daughter can deflate your daughter's soccer ball. | ||
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| Member |
Alaska Div. of Insurance - Consumer Services. Get them involved, maybe they can light a fire under State Farm. End of Earth: 2 Miles Upper Peninsula: 4 Miles | |||
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| drop and give me 20 pushups |
Contact your State Insurance Comisioner to get involved...Maybe if you can file a formal complaint it might get the insurance company"s attention....Maybe others have complained also and yours was the one to tip the switch....good luck.. .....drill sgt. | |||
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| Get my pies outta the oven!  |
Well they gotta get that money to pay for all those high end superstars in their commercials like Patrick Mahomes and Andy Reid somehow! | |||
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| Member |
Get a Lawyer and Sue your Insurance Agent for damages. Because you have and are experiencing damages and it's the only way to force your agent to get State Farm to RESTORE your policy status. On a side note IMO you have a very LAZY agent and in your position I would be looking for a new agent. I've stopped counting. | |||
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Shall Not Be Infringed |
I'm certain you won't just let this go, and as others have stated, I'd recommend getting whatever/whomever the state authority in AK is involved to rectify this and have your unblemished insured status restored. There's NO way you should be penalized/pay for someone else's incompetence! Once that's all said and done though... Amica - No Brokers, No Agents, NO Middleman...Just Insurance! I've had Amica for Home and Auto for over 15 years. They're direct to the consumer so No Agents, and therefore NO middleman to potentially drive up the cost. I've always received excellent customer service, whether I was adding/changing coverage or filing/processing a claim. I recommend them highly!  You also might want to consider getting a quote on Amica's 'Dividend policy' where you get a refund/rebate on your premium at the end of the policy term. Ultimately you do pay a lower premium, though the initial premium is higher. Amica claims the dividend is on average 5-20% of the policy premium. Full disclosure - I do NOT have the Dividend Policy and thus far chosen to pay less on the initial premium, so I've got no actual experience to convey on the dividend or that type of policy, but it may be right for you and a way to save money AND get good service! https://www.amica.com/en/products/dividend.html ____________________________________________________________ If Some is Good, and More is Better.....then Too Much, is Just Enough !! Trump 2024....Make America Great Again! "May Almighty God bless the United States of America" - parabellum 7/26/20 Live Free or Die! | |||
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Prepared for the Worst, Providing the Best |
This is what I hate about State Farm. They sell themselves on having local agents, but any time something happens the local agent has no authority (or at least mine CLAIMS they have no authority) to override the broader corporate policy. Your situation is especially onerous, because it was their fault. It should be a simple thing for your agent to contact his company and fix his mistake, without causing all this mess for his customer. But it's not, because no matter how much State Farm tries to sell themselves as a local face-to-face company, in reality they're still just a giant corporate bureaucracy just like all the other guys. I hope you can get an acceptable resolution without too much stress  . | |||
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| Gone but Together Again. Dad & Uncle  |
2000Z: This is a perfect example of an error committed by the brokers assistant that has damaged you not only with State Farm, but, other carriers as well. Your agent carries insurance to cover "errors & omissions". Personally, I would simply advise your agent, in writing whether email or snail mail, of; 1) the dates/times/names of who you spoke with; 2) basic summary of the conversation, 3) how it has hurt you thus far, 4) you will give him/her X days to resolve the issue, or, you will go to the State Dept of Insurance, and, 5) will need the contact information of his errors & omissions provider. Write it in a nice business-like manner just in case you do have to share it with your State Dept of Insurance should your agent not be more compliant after reading your letter/email. | |||
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thin skin can't win |
They're going to lean on having sent you notice, either by mail or electronically, or both on the cancellation. Couple that with you never had any proof of insurance on the new vehicle. This sounds more like the agent might be able to appeal and do more, but may well not want to since his agency is the one who screwed up, not "State Farm" corporate. You only have integrity once. - imprezaguy02 | |||
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| Thank you Very little  |
https://www.commerce.alaska.go.../FileAComplaint.aspx Agree you need to put this in writing with proof to the Agent, the Div of Insurances first guideline is for you to contact to resolve the problem the company/agent. Contact the EVP Product Liability Guy Hill or one of the executives at the link via phone or email https://www.allstatecorporatio...bout/leadership.aspx | |||
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safe & sound |
Sure there is.
Also not true. No need for specific details in order to make this short, but I once had a claim filed against my policy without my knowledge. This claim would have impacted my rates and eliminate all of the other discounts I was eligible for. My agent hopped on the phone with their mother ship as I sat there. It was all rectified in a matter of 5 minutes. | |||
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| Gone but Together Again. Dad & Uncle |
Any updates yet 2000z? | |||
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| Prepared for the Worst, Providing the Best |
And that's exactly what your agent SHOULD be doing for you...navigating the company's corporate bureaucracy to correct any issues so you don't have to. I don't expect them to be able to change rates or anything like that, but issues like yours or the OP's should be within their power to correct. They should also be working with you to ensure that you're getting appropriate coverage for your needs, and initiating periodic reviews with long-term customers. Unfortunately, mine has been pretty sub-par in all of those areas. My brother actually worked for State Farm for a while, although he didn't start there until several years after we were already established with them. I asked him about switching agents but staying with the company, and he said they really don't like to do that. | |||
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| Member |
I had a similar experience with state farm, I bought a new motorcycle, added it to my policy and a couple months later I found out I had been riding without insurance because they never added the new bike to the policy and didn't cancel the insurance on the bike I traded-in. Called them and allegedly they straightened the problem out but when I checked my policy same problem old bike still on the policy and no coverage on the new bike. Called a third time to try to get it cleared up and they canceled the insurance on a second bike I owned, 2018 Kawasaki H2SXSE, didn't cancel the insurance on the bike I traded in but did finally add the new bike I purchased 90 days earlier. I was fed up at that point and switched to AllState. | |||
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| Buy that Classic SIG in All Stainless, No rail wear will be painless.  |
State Farm is good insurance, but certainly not perfect. Some years back when I owned two Harley Davidsons, I sold one and called my agent and had them cancel the policy on the bike I sold. I identified the sold Harley to my agent by make, model, year, and vin. Shortly after, I got cancellation documentation from corporate and the asshole agent had cancelled the insurance on the bike I still owned/rode. I called the agent and raised hell as I had been riding an uninsured motorcycle for almost 4 weeks. They did straighten out the paperwork mess. I also told the agent that if they ever fucked up again, I would replace the agent and insurance company. I also insisted that they email an insurance card, and overnight documentation delivery for the actual policy as they had made the error. NRA Benefactor Life Member NRA Instructor USPSA Chief Range Officer | |||
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אַרְיֵה |
In the preceding posts, I see a lot of insurance company screw-ups after the policy holder called to request a change. I never call for something like this, it's too easy to get into a "he said, she said" situation if an error is made. I always request any policy change in writing, be it text, email, online "chat" where I keep a transcript of the session, or an old fashioned letter in an envelope with a stamp. That way there is a written record of the request and if the agent or the insurance company screws it up, the written document will settle the argument. הרחפת שלי מלאה בצלופחים | |||
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Member |
Insurance companies record most phone calls, but you should never rely on that. I have to cancel and replace people's policies every week. I'm in life insurance. I still do it all by fax, as I can prove it went through. I've had to use that a few times when a company ignored my fax, used a policy's cash value to keep it in force and, when I finally got a boss to respond, they said, "Oh, well, the cash value is depleted, so there's no refund now." Those faxes have helped me get this fixed. Only thing phone calls are good for is mentioning certain words that automatically trigger a ticket and escalation. Accuse them of fraud on a recorded line and they can't ignore it. | |||
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