Saturday, November 23, 2013

"BYE" to State Farm. I "BUY" Amica.

Amica sure beats State Farm. Lots lower premiums, increased coverage. The website "Fight Bad-faith Insurance Companies" recommended Amica, so I took a look.

Amica even offers a plan for those of us who choose to ride a bicycle instead of driving a motor vehicle. Premiums can be deducted each month from a customer's bank account (with State Farm, I had to log in every six months to pay online). Whenever ya wanna start ridin' yer bicycle 'steada usin' yer motor vehicle, give Amica a ring, and they start charging for comprehensive coverage only. Now get this:

My estimate for nine months worth was a TOTAL of SIXTY bucks. WOW!!!!!!!!!!

Even though I now have my car and it's runnin' fine, I've been ridin' my bicycle about 95% of the time instead of driving. Utility bicycling can bear an acquaintance. Next year, I look forward to reapin' the benefits Amica offers folks like me.

Meanwhile...

State Farm still refuses to pay Suddeth Automotive and refuses to approve the remaining repairs on my car. This week, I got a letter from the "good neighbor." Sheer harassment. Playin' dumb (they're dumb enough as it is, without actin' the part) by acting like our dispute centered around the value they had placed on my car, and ignoring any mention of the fact that there's no reason whatsoever to declare total loss. Tried to make me think I was now required to hire an appraiser, etc. ad nauseum. Real slobs.

I wonder if State Farm realizes (or cares) how utterly ridiculous they look. Here I am driving my car, enjoying the fact that it runs as good or better than ever, while State Farm insists on declaring it a total loss, tries to pressure me into getting rid of it, and refuses to pay the folks State Farm directed to complete close to half of the repairs.

Let's face it. A corporation wouldn't dare behave the way State Farm is behaving unless it could do so with impunity insofar as governmental oversight is concerned. Read the "Fight Bad-faith Insurance Companies" website. Educate yourself about an industry - and a government - that's runnin' roughshod over consumers. And if you can't avoid insurance entirely - few can - at least take a closer look at Amica.

Update 12/12/2015 - Yep, Amica beats State Farm (who doesn't?), but their "comprehensive only" plan wasn't as good as I thought it would be. I no longer trust any part of the insurance industry, so I just shop around for the lowest rate. Went from Amica to Liberty Mutual, currently with Travelers.  

Update 6/14/2015 - recently renewed with Travelers.  

Saturday, November 2, 2013

Suddeth Automotive STILL not paid

What kinda government allows an insurance company to refuse to pay a legitimate bill?

'Bout a week ago, I got a call from the owner of Suddeth Automotive inquiring about the status of my claim and asking if I could give him any contact information for the appropriate person to talk to at State Farm. He submitted a bill to State Farm months ago, but has yet to hear from the "good neighbor." Mr. Suddeth - much to his credit - agreed that it was State Farm's place to pay the bill.

We're not talking small change. Suddeth's repairs came to almost $4,000. How would State Farm like it if they weren't paid for their services? What a pathetic, slob corporation. State Farm obviously sees the situation as an opportunity to pressure me into either turning my car over to them or agreeing to keep it with a salvage title. And if that sort of thing ruins the relationship a business had with a long-time customer, the "good neighbor" couldn't care less.

I've experienced nothing but a runaround from State Farm ever since the mishap - which occurred almost six months ago - and I'm not gonna be bullied into accepting State Farm's inane offer. The same day Suddeth Automotive called, I also got a telephone call from State Farm. Hadn't heard from 'em in months, and they wanted to know if I had given any thought to settling the claim. I assured them that my position (which they've been aware of from the get go) had not changed in the least - that I expected them to get my car repaired.

This matter sure has been an eye-opener for me about the insurance industry. In the future, I'll be spending a lot less for their lousy, misrepresented product.

Update 11/2/2013 - Wonderful nine mile bicycle ride this afternoon. Dropped off garbage, bought groceries. Yes, Virginia, you CAN live - quite well, if not better - without insurance. Er I mean without a car. 

Update 11/4/2013 - A week ago, shortly after he spoke with me, the owner of Suddeth Automotive left a message for Lester Walker, Claims Manager at State Farm's regional office in Atlanta, but is receiving no response. Meanwhile, my car is runnin' fine - better, if anything, than it ever has. I've recently driven it on two out-of-town trips - now it just needs some bodywork. No excuse whatsoever for State Farm to declare it a total loss. At least the remaining damages have turned out to be a great conversation starter about the insurance industry.