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Old 03-30-2015, 06:02 PM   #1
MLAZ1990


 
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Statefarm is pissing me off!!!

I was in an accident back in August of 2014. It was the other lady's fault. She blew a red light and T-Boned someone into me! So my car was repaired and I paid a $500 deductible. My insurance won my case as it was 2 against 1 and many witnesses...anyways, they won my case in October, 2014. They said I will be getting my deductible back soon. So 2 months go by and nothing. I call and they say there was a "Limits issue" with the lady's cheap insurance. So they said it will be another 2-4 weeks...well I've called back 3 times and they give me the same crap every time! I'm starting to think I'm not going to get it back. What should I do? Is there anything I can even do? Anyone experience this before with your insurance?
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Old 03-30-2015, 06:04 PM   #2
el ess A
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Sue her.
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Old 03-30-2015, 06:23 PM   #3
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So, there were fault questions in the beginning, but now everyone agrees it wasn't your fault? They told you you'd get your deductible back and have not followed through?

File a complaint with the department of insurance. They will take you seriously and you better believe State Farm will pay attention to them!

https://mc.insurance.illinois.gov/messagecenter.nsf
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Old 03-30-2015, 06:27 PM   #4
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Quote:
Originally Posted by trm2 View Post
So, there were fault questions in the beginning, but now everyone agrees it wasn't your fault? They told you you'd get your deductible back and have not followed through?

File a complaint with the department of insurance. They will take you seriously and you better believe State Farm will pay attention to them!

https://mc.insurance.illinois.gov/messagecenter.nsf
Yeah, they keep claiming it's a "Limits issue" whatever that means...? Last time I spoke with statefarm was in late February, when they gave me the same excuse and told me to give them a little more time to work it out with the lady's insurance.
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Old 03-30-2015, 06:27 PM   #5
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Deduct the @500 from your premium.
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Old 03-30-2015, 06:29 PM   #6
MLAZ1990


 
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Deduct the @500 from your premium.
My uncle said that too...I think I should call and request they do that. Because I am beyond frustrated. I want to call them now and ask whats going on, but I'll hear the same BS...
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Old 03-30-2015, 06:30 PM   #7
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Also something thats worked for me is ask to talk to the "president" of the headquarters…
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Old 03-30-2015, 07:24 PM   #8
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I too have state farm.....over the last 3 years, I have been hit twice, neither time was it my carmaro....my DD. and both times it was their fault, AND their Insurance was giving me the run around.....SO I just paid my deductible and State Farm went after them....let the lawyers duke it out.....both time I got my deductible back.....but it took awhile. longer than the OP has waited..... so with that, just be patient.
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Old 03-30-2015, 08:39 PM   #9
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Ok, if it is a limits issue you may be screwed. Do you carry UMUIM? Uninsured/underinsured coverage?

It still isn't your fault, but if you don't carry the coverage and her limits were insufficient to cover the loss, State Farm may be covering you with Collision insurance (which has the deductible you paid) and not UMUIM which wouldn't have a deductible.

P.S. Not paying your premium can lead to them canceling you, leaving you uninsured or with a lapse in coverage. That will end up raising your rate.
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Old 03-30-2015, 09:02 PM   #10
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My wife used to work for State Farm. I showed her your post. If she exceeded her limits your only recourse is to sue her. Probably not worth the hassle.
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Old 03-30-2015, 10:43 PM   #11
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So I'm basically out 500$ for something I didn't cause?! What kind of insurance is that? I'm gonna go with different insurance for sure now!
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Old 03-30-2015, 11:21 PM   #12
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Go with CURE, I love their insurance!! Lots cheaper than anybody and quick to cover!

http://www.cure.com/Default.aspx
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Old Yesterday, 01:23 AM   #13
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Quote:
Originally Posted by MLAZ1990 View Post
So I'm basically out 500$ for something I didn't cause?! What kind of insurance is that? I'm gonna go with different insurance for sure now!
It might not matter what insurance you have. If the at fault party goes over her limits the insurance will not pay it. Your insurance will not pay you then.
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Old Yesterday, 08:46 PM   #14
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Quote:
Originally Posted by MLAZ1990 View Post
So I'm basically out 500$ for something I didn't cause?! What kind of insurance is that? I'm gonna go with different insurance for sure now!
If you had identical coverage with another insurer and the synopsis of accident remains the same...the same identical outcome will result.

Unfortunately, insurance is not 100% covered if not your fault. Imagine if you were under insured or severely injured.

I'd be a little upset that the rep said you were due $500...but reneged because of the at fault party limits.

Your only recourse is to sue civilly for the $500. I was in a non falt accident and although totaled, I did not use my insurance. I chose to not have comp and collision. However, I could only sue the driver for medical and only privy to my states maximum compensation of $500. I fixed the car myself $3500 in damage and paid $589 for used salvage yard parts.

Longwinded...but my point is this. Absent a State Harm rep informing you of the $500..you would not really be upset...out of sight out of mind. I say be persistent if you wish...but be nice. Insurance companies work off of profit.
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Old Yesterday, 09:41 PM   #15
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Many of the insurance companies have their gotchas. They don't have any problem telling you to sue. Most folks won't and that's how they save money. They make you work for a refund of your deductible. Gieco is the worst...

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Old Yesterday, 10:42 PM   #16
trm2
 
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Don't be too hard on insurance companies. My company has had to do crap that is morally repugnant because the law says so. Yes, we hated doing it, but we have to do what state law says.
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