State farm

A little pissed right now. I was going to insure my 69 net with State Farm on their antique collectible policy. I stated my car would cost a 40k to replace (car completely built from ground up, paint, engine, etc.) and mostly done by me my dad. Their underwriters come back with a valuation of 20k! I would love someone try to build my car for 20k!!!

I would run away from State Farm!
I may be incorrect, but I thought they offered “stated value” policies. That is way different from “agreed value” policies that boutique collector car insurers offer

Hagerty. They have a true "agreed value" policy - and unfortunately, I'm going through a claim with them right now.
YOU determine that value and the premium is adjusted accordingly.
Fortunately - they've been absolutely brilliant to deal with on the claim so far.

Hagarty here as well

Yea, will check them out. Thanks.

My eight thousand mile survivor is insured for $22k and comprehensive costs $1 per thousand annually. I can drive it on occasion, but I have to let them know in advance. American Family

Just added road side assistance for $10 per year.

haggerty here also

Haggerty here as well!

Hagerty is fine till you have a claim.
I went with State Farm and they asked me how much I wanted the cars insured for.

You better review that policy.
If it’s a “stated value” policy, you can “state” what you want the insurance value to be. In the event of a claim, they start at your “stated value” and chisel you down from there.

Basket case said:

Hagerty is fine till you have a claim.
I went with State Farm and they asked me how much I wanted the cars insured for.

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I live in Illinois. State Farm is the worst!! They got caught electing a Judge so they could Rape and Pillage.
Friend of mine owns a body shop and they won't pay for supplies that the car manufacturers recommend
they use to repair their vehicles. They use used parts whenever they can and if you want the repair done
the right way, YOU have to pay the difference. I wouldn't use them if they were the last.

I'm an estimator at a body shop. I would be very wary of State Farm if I had a claim even if there was an agreed value on the car.

I've had pretty good luck with State Farm over the course of the last nearly 40 years with my last collector car I had an agreed value policy of 22000 it was a chebi I did have to take the car to a local collector car appraiser who was in the n a d a book so I had an appraisal done on it that stated the value it was an agreed value policy had it in play for 20 years and then I finally wrecked the car it couldn't be repaired and State Farm stepped up to the plate and pay me the agreed value policy on the car I was heartbroken that I lost the car course now I have a Plymouth so maybe not but I'm sure they were too

I have posted up here more times than I can remember about Insuring vehicles. You go with a Direct Line Company such as State Farm, All State, USAA, etc. and they do not underwrite correctly IMHFO. They also deny claims when it suits them. You are only wasting your money. We all know that insurance is nothing more than a required necessity, but in reality insurance is nothing more than a Ponzi Scheme. They get rich off of it and when the time comes to utilize it, they more times than not try and low ball or deny. It's too bad that we cannot be "self insured" but I guess that is the way of things...cr8crshr/Bill

cr8crshr said:

I have posted up here more times than I can remember about Insuring vehicles. You go with a Direct Line Company such as State Farm, All State, USAA, etc. and they do not underwrite correctly IMHFO. They also deny claims when it suits them. You are only wasting your money. We all know that insurance is nothing more than a required necessity, but in reality insurance is nothing more than a Ponzi Skeem. They get rich off of it and when the time comes to utilize it, they more times than not try and low ball or deny. It's too bad that we cannot be "self insured" but I guess that is the way of things...cr8crshr/Bill

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Can be self insured if you are rich enough. Post a bond or something like that. I'm sick of paying homeowners insurance. Never had a claim and then got a pretty good hail storm and it 'washed' a lot of the shingles and well, they said no damage after another said it had damage. Now my roof looks like it's 40 years old instead of 18.....and that happened 6 years ago.

I have been with State Farm for many, many years and my agent recommended I go with Haggerty right off the bat. They didn't want to deal with it.

We've got state farm and put our value on the Roadrunner at either 30k or 40k agreed value. They came out and took about 20 pictures of the car when we got it insured a few years ago. All of our vehicles and house insurance through them as well.
After reading numerous posts here over the past couple years about insurance, I had a sitdown with our agent to make sure that it's agreed value and not stated value.

moparedtn said:

Hagerty. They have a true "agreed value" policy - and unfortunately, I'm going through a claim with them right now.
YOU determine that value and the premium is adjusted accordingly.
Fortunately - they've been absolutely brilliant to deal with on the claim so far.

Click to expand...

I have haggerty

Gpuller said:

I'm an estimator at a body shop. I would be very wary of State Farm if I had a claim even if there was an agreed value on the car.

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I have a couple things personally against State Farm myself.
One is how they conducted themselves in the wake of the 9/11 attacks, of which volumes of stuff is out there for any interested parties to dig into if they're interested.

**WARNING - ED STORY FOLLOWS**
The other is personal - about 16 years ago, I was less than a mile from home, stuck behind a couple vehicles stopped waiting for someone to turn left in front of us on a two lane highway.
Some nut job in a Honda came in the opposite direction at a high rate of speed over a blind rise in the road, saw the turning vehicle crossing their lane too late and went all sorts of out of control.
Honda went in the ditch on his side, hit a concrete culvert and went airborne...
The turning car saw the careening, flying Honda approaching and dove back in his (our) lane out of the way.
No matter, we now had an airborne, out of control Honda approaching at ludicrous speed.
Honda proceeded to fly OVER the turning car, cleared it cleanly and managed to hit the second vehicle in line broadside.
Yeah, broadside, T-bone style, even though remember we're all in a line...

The impact was hard enough to knock the 2nd vehicle clear off the road and down the embankment into a utility pole.
Of no small importance was what the 2nd vehicle was - namely, a crew cab 4wd service/utility bed truck, one of those 8000 pound mile long jobbers.
Knocked it clean off the road....in a Honda, all while coming in for a landing from jumping the first car cleanly.

I'm watching all this while sitting in my "junkyard" mid 80's GMC 4wd, a gimme truck someone had given me in trade for services a while back. I can't move, stuck in line and with zero shoulder on the road.
About the time I realize what's going on in front of me, it also occurs to me that the Honda amazingly ain't done yet.
Leaps the first car, T-bones the 2nd big *** truck clean off the road - then goes airborne AGAIN and it's headed right for my windshield.
I already know traffic behind me is packed in, can't back up.
I know there's no shoulder to bail on - straight down into a ravine if I do (and probably rolling the truck).
One reflexive thing left to do - I ducked down onto the passenger side of the bench seat, yanking the truck into Park as I went down; last thing I remember seeing was the UNDERSIDE of that Honda, exhaust and all.
It slams into my pickup, hitting at the a-pillar and then coming around into the door.
Glass flies all over and the impact is hard enough to shift the entire truck to the right, stopping a few inches from going over the side.
I try to exit the truck out the passenger side after I shake the cobwebs out my noggin, forget where the shoulder is, and proceed to fall out of the passenger door and straight down the embankment.
I get back up to the road and it's chaos; all sorts of people running around, calling 911, trying to help.
I go to check on the older gentleman who was in front of me (whose utility truck got knocked to Kingdom come) and he's trapped in the truck but alert.
We pry his door open and get him out.
I then hear all sorts of yelling back up the road behind me and turn to see the driver of the Honda - a shorter middle aged gentleman - in shorts and barefoot (this happened in dead of winter, temps right at freezing).
He's hopping and yelling and scrambling around in the middle of the road like a madman...

I run back to where the Honda has come to rest, some 100 feet or so behind the impact with my truck. It's landed on all fours and every single body panel on it is damaged, dented, caved in; most of the glass is blown out.
I look inside for what I was expecting to find, namely a lifeless driver.
Instead, nobody is in the car, so I look around and it's then that Mr. Ranting Nutjob comes running up to me and is yelling "THAT ARSEHOLE CUT ME OFF! DID YOU SEE?!?!?"
I realize he's the missing Honda driver and try to get him to sit down and calm himself.
Miraculous he isn't dead - but even more amazing, he doesn't seem to have a single scratch on him!
State police come and take statements. I help him with his measuring tapes and so forth, making darn sure he knows EXACTLY what happened since I'd had a bird's eye view of the whole thing.
I ask him how fast he thinks the Honda was travelling. He says based on measurements and impacts "90 - easy" (45mph zone, 2 lane country road remember).
I find out later the cop doesn't assign fault in the accident, amazingly - they don't do that in this state unless they've personally witnessed the wreck apparently.
Ignorant...
Insurance information and driver info exchanged, ambulances come, I refuse treatment (bruised from where the drivers' door got pushed into my hip is all) and limp my damaged truck back to the house...

Well, guess what insurance Mr. High on Something/Drives like a bat outta hell had?
Yep. State Farm.
I contact them and they confirm he had insurance at the time of the wreck, but...
they then inform me they cancelled his *** that morning as a result of the wreck - and that their own "investigation" concluded he wasn't at fault at all for any of the wreck.
SAY WHAT???
When I remind them of where I was in the whole mess and how I saw the whole thing unfold AND what the cop had said, the SF rep sort of snickered and said "I suppose you'll just have to sue us".


Yeah, tell ya what.
Fluck State Farm, that's what....
***END OF ED STORY***

moparedtn said:

I have a couple things personally against State Farm myself.
One is how they conducted themselves in the wake of the 9/11 attacks, of which volumes of stuff is out there for any interested parties to dig into if they're interested.

**WARNING - ED STORY FOLLOWS**
The other is personal - about 16 years ago, I was less than a mile from home, stuck behind a couple vehicles stopped waiting for someone to turn left in front of us on a two lane highway.
Some nut job in a Honda came in the opposite direction at a high rate of speed over a blind rise in the road, saw the turning vehicle crossing their lane too late and went all sorts of out of control.
Honda went in the ditch on his side, hit a concrete culvert and went airborne...
The turning car saw the careening, flying Honda approaching and dove back in his (our) lane out of the way.
No matter, we now had an airborne, out of control Honda approaching at ludicrous speed.
Honda proceeded to fly OVER the turning car, cleared it cleanly and managed to hit the second vehicle in line broadside.
Yeah, broadside, T-bone style, even though remember we're all in a line...

The impact was hard enough to knock the 2nd vehicle clear off the road and down the embankment into a utility pole.
Of no small importance was what the 2nd vehicle was - namely, a crew cab 4wd service/utility bed truck, one of those 8000 pound mile long jobbers.
Knocked it clean off the road....in a Honda, all while coming in for a landing from jumping the first car cleanly.

I'm watching all this while sitting in my "junkyard" mid 80's GMC 4wd, a gimme truck someone had given me in trade for services a while back. I can't move, stuck in line and with zero shoulder on the road.
About the time I realize what's going on in front of me, it also occurs to me that the Honda amazingly ain't done yet.
Leaps the first car, T-bones the 2nd big *** truck clean off the road - then goes airborne AGAIN and it's headed right for my windshield.
I already know traffic behind me is packed in, can't back up.
I know there's no shoulder to bail on - straight down into a ravine if I do (and probably rolling the truck).
One reflexive thing left to do - I ducked down onto the passenger side of the bench seat, yanking the truck into Park as I went down; last thing I remember seeing was the UNDERSIDE of that Honda, exhaust and all.
It slams into my pickup, hitting at the a-pillar and then coming around into the door.
Glass flies all over and the impact is hard enough to shift the entire truck to the right, stopping a few inches from going over the side.
I try to exit the truck out the passenger side after I shake the cobwebs out my noggin, forget where the shoulder is, and proceed to fall out of the passenger door and straight down the embankment.
I get back up to the road and it's chaos; all sorts of people running around, calling 911, trying to help.
I go to check on the older gentleman who was in front of me (whose utility truck got knocked to Kingdom come) and he's trapped in the truck but alert.
We pry his door open and get him out.
I then hear all sorts of yelling back up the road behind me and turn to see the driver of the Honda - a shorter middle aged gentleman - in shorts and barefoot (this happened in dead of winter, temps right at freezing).
He's hopping and yelling and scrambling around in the middle of the road like a madman...

I run back to where the Honda has come to rest, some 100 feet or so behind the impact with my truck. It's landed on all fours and every single body panel on it is damaged, dented, caved in; most of the glass is blown out.
I look inside for what I was expecting to find, namely a lifeless driver.
Instead, nobody is in the car, so I look around and it's then that Mr. Ranting Nutjob comes running up to me and is yelling "THAT ARSEHOLE CUT ME OFF! DID YOU SEE?!?!?"
I realize he's the missing Honda driver and try to get him to sit down and calm himself.
Miraculous he isn't dead - but even more amazing, he doesn't seem to have a single scratch on him!
State police come and take statements. I help him with his measuring tapes and so forth, making darn sure he knows EXACTLY what happened since I'd had a bird's eye view of the whole thing.
I ask him how fast he thinks the Honda was travelling. He says based on measurements and impacts "90 - easy" (45mph zone, 2 lane country road remember).
I find out later the cop doesn't assign fault in the accident, amazingly - they don't do that in this state unless they've personally witnessed the wreck apparently.
Ignorant...
Insurance information and driver info exchanged, ambulances come, I refuse treatment (bruised from where the drivers' door got pushed into my hip is all) and limp my damaged truck back to the house...

Well, guess what insurance Mr. High on Something/Drives like a bat outta hell had?
Yep. State Farm.
I contact them and they confirm he had insurance at the time of the wreck, but...
they then inform me they cancelled his *** that morning as a result of the wreck - and that their own "investigation" concluded he wasn't at fault at all for any of the wreck.
SAY WHAT???
When I remind them of where I was in the whole mess and how I saw the whole thing unfold AND what the cop had said, the SF rep sort of snickered and said "I suppose you'll just have to sue us".
View attachment 771408

Yeah, tell ya what.
Fluck State Farm, that's what....
***END OF ED STORY***

Click to expand...

Incredible no one was killed. I too have had a run in with a State Farm driver. They tried to sluff it off but my insurance co. (Farmers) opened up a can of whoop *** and got the settlement that was righteous in the end. Insurance companies are hit and miss until you find a branch with some ethics and integrity, kinda like finding a Unicorn...