Have you recently been dumped by State Farm for no good reason on your home owner's insurance? Did the excuse they give you seem bogus? Did you prove to them it WAS a bogus reason so they just came up with another lie to justify their unfounded action? Was the reason such that you knew you couldn't fight it but you KNOW they were making it up? Do you wish they'd have to answer for actions like that? Well, Friends, listen to my story for State Farm just made the biggest mistake they could when they picked on my family to do what I just described above.

First, they wrote us that we were not in a fire coverage area and also emergency vehicles would not use our so-called substandard access so they cancelled our home owner's insurance upon renewal. "How interesting, " my husband replied, "for I run the Borough's GIS system and part of my job is tracking and mapping the fire coverage zones. I also work with all the fire chiefs for all the fire departments getting them my maps and analyzing data to insure the safety of our citizens." "We ARE in a clearly marked fire coverage zone and I happen to have a letter here from the local fire chief stating our property access is fine for his big, huge fire engine."

So State Farm tells him, "Actually it's really because you don't have two points of access in and out of your street." Now note, our property's drive is bigger than a cul-de-sac turn around. My husband says, "Ok, put that in writing." They say, "No."

Here's where sweet satisfaction comes and proves Karma's a b*tch. Probably 60-70% of the properties in the Borough (roughly the size of Wisconsin) do not have two points of access in and out of streets. So that is a SERIOUS situation for many citizens in the Borough. Emergency services and Planning will have to address this news from State Farm that they do not cover those properties.

Of course, then the State will have to get in on the act for state wide it's really an issue (as it would be for most states). This will likely blow up into a HUGE press explosion as word gets out State Farm refuses to insure these folks. Of course, State Farm wouldn't lie so my husband HAS to take their word for it. It is his job to keep departments informed on the status of these types of things for it impacts the citizenry and it's the job of government to do something about it.

So there is now all sorts of meetings being set up by all the departments to address this new concern that State Farm will be dumping literally thousands upon thousands of home owners of their insurance.

SEE what happens when you lie to your customers? What are you going to do now State Farm? Lie some more? Be careful, my husband has no choice but to do his job. YOU put him in that position. It's the emergency departments that are forcing him to address it. THEY are the ones you involved, though you didn't know it, and THEY were the ones that heard your answer to my husband about two points of access.

Sure, we'll have to find another carrier. But it is very satisfying seeing a company's outright lies bite them in the butt from a bureaucracy even larger than them. I wonder how they'll lie to the Borough, State and public. Oh, let's hope they say they didn't tell my husband that, then they'll find themselves guilty of fraud because hubby dear made sure it was documented, unbeknownst to State Farm.

Best advice - NEVER insure with State Farm. After 26+ years of them taking our money they hung us out to dry. But it'll be much worse for them than for us when this goes public. Journalists, sharpen those pencils!

State Farm didn't attempt to protect itself or me, a longtime customer.
It issued me a binder for homeowner's insurance without running a Loss History Report(CLUE Report). State Farm contacted me AFTER my settlement to advise that my policy was in limbo. The previous owner had filed three claims for massive water damages, but State Farm couldn't bother to tell me prior to the purchase. By law, the policy had to remain in place, but when it expires, SF will likely terminate me. I will have to practically give my home away if ever anyone would consider buying it. Several other companies have either rejected me for coverage or will not offer water coverage. I live in fear of yet another incident of water damage. As it turns out, my neighborhood is rife with incidents of indoor flooding. Some homeowners have endured more than one incident. The hits just keep on coming. I can't find an attorney to take my case. I suppose they know that SF has more money and will prevail in court. Moreover, the selling Realtor knew about the damages, but never said a word. So, I'm screwed in Maryland.

I have been w/ state farm since 1997 and have insured 5 cars and just 2 yrs ago my modular home. Fearing the unknown, I kept full coverage on my vehicles after paying off note. I had one accident ( damage to my property only) and an accident involving a deer. I was stranded over 200 miles from home recently and to my horror find out that what I had been paying for all theses yrs was not worth a penny.

My towing coverage / roadside assistance would not get my car back home. it only covered towing to the nearest repair shop- remember I am 200 miles from home at the mercy of strangers-- Wonderful strangers they were-- more helpful than State Farm was. The damage to my car was internal--engine. It take me 6 days on my own to get my car back to Georgia. Those helpful strangers assisted me in getting a rental car--not state farm. Later was told, my insurance would not pay for the rental -- which is part of my coverage, also. My insurance would cover the rental car.

The towing cost over 200 miles from Fla back to Ga was $500.00-- State farm only would pay/paid a $100.00 and I am hoping it reimburses me back for the first towing to the repair shop of $ 60.00. Warning to others State farmers-- question your agent on What if this happen what will my insurance coverage. I trusted them. I thought I had what I needed in case of any emergency. My neighbor told me I had the best insurance it was- state farm-- yeah, until you need them. I laughed at their recent commercial about the 40 million people they insure-- if those 40 million only knew.

I called the 1800 # the day I saw the commercial and the CSRep did not seem very surprised when I told him of my ordeal. There was no offer of help! He said state farm should pay the towing. I wonder if my home catches on fire what they will tell me -- my fire coverage doesn't cover a fire! State Farm is A Joke when one needs them. As long as the premiums are paid the insurer is okay.I never received a call from my loyal agent offering any additional assistance in the matter. Oh Yeah. just the renewal bill by mail from the main

My Mom's jeep was struck from the side by a woman who was also insured by State Farm. It took State Farm over ONE YEAR to pay the claim, which was insufficient to repair her Jeep which had full coverage insurance at the time. To make matters worse, they claimed to the DMV, that the vehicle was totaled in the accident and that they took possesion of the vehicle and destroyed it, so once we did fix it, it was nearly impossible to re-register. It took nearly another SIX more months of their bureaucratic nonsense, in order to get the title back on a car that my Mom owned outright, I actually got angry enough to insinuate to the State Farm adjuster, that if she didn't take care of the mistake, the car would be stolen and driven through the side city hall, and she could have the privilege of explaining how a car they allegedly took posseion of and destroyed, ended up there. After that, I had a supplimental check and a new free-and-clear title 3-days later sent by certified mail. State Farm was certainly no neighbor I'd ever want!

Two issues: First, I have paid my premiums on time for decades, but currently have no valid vehicle insurance despite remaining up to date on my payments. Second, State Farm agent violated my privacy which had the potential to put my life in danger. In 2008, the authorities recommended that I move and enter the state's Address Confidentiality Program (ACP) after I was the victim of extreme domestic violence once. I did that. But since my legal address is the State Attorney's office in my state capital and far from my "garaged address, " my insurance is invalid. State Farm told me if I would tell them my real address, they would keep it private. But I was too concerned that my attacker would hack in or bribe someone for the information. It was really much worse than that. One day, a friend called the State Farm agent, said she was me and asked for the current address on file. It was given by the agent instantly without questioning the identity of the caller which could have resulted in my death had the caller been my attacker. Then State Farm offered to make my address their address, but that is in violation of the state statute (law) and also their address is close to where I work. Therefore, my attacker could stake out the two potential employers close by and find me easily. Not an option. So, since State Farm cannot be trusted, I cannot let them know my physical address. They must only know my legal address (by Florida law) at the State Attorney's address for the ACP. State Farm refuses to give me written backup of their verbal claims that they will cover any claims I may have since I am a participant in the state's ACP. So, I am current with my insurance payments, by law; but I have no valid car insurance since I do not want to put my life at risk by disclosing my physical address to them and since "misrepresenting a garaged address" is a felony in this state and invalidates insurance. What to do?