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Message
State Farm claim - Need a little help
Posted on 11/3/14 at 4:57 pm
Posted on 11/3/14 at 4:57 pm
So a couple weeks ago I'm sitting in the middle turn lane on Perkins waiting to turn left. A SUV catches the rear passenger corner of my vehicle and we pull in and exchange insurance. The damage was minimal, just need a new rear bumper, taillight and some quarter panel work. We had the same insurance provider (State Farm) and she was in high school and really shaken up. I decided that I wouldn't file a police report since I'm a nice guy and thought it wouldn't be an issue getting it resolved... took some pictures and filed a claim immediately.
Well almost 3 weeks later and I'm starting to get really pissed off. State Farm has been trying to contact the driver or her mother to get a statement and they have been conveniently unavailable.
Is there anything I can do to get this expedited? Hoping someone in here has gone through this before and give me some guidance..
Well almost 3 weeks later and I'm starting to get really pissed off. State Farm has been trying to contact the driver or her mother to get a statement and they have been conveniently unavailable.
Is there anything I can do to get this expedited? Hoping someone in here has gone through this before and give me some guidance..
10
Posted on 11/3/14 at 5:06 pm to lilsnappa
I've had State Farm handle a claim but I had a police report.
Posted on 11/3/14 at 5:18 pm to lilsnappa
Two things:
1. They won't move forward with the claim unless they have "both sides"
2. Do you have collision (rather than just liability)? If you do, file it on yours, be out your deductible (temporarily) and move on
1. They won't move forward with the claim unless they have "both sides"
2. Do you have collision (rather than just liability)? If you do, file it on yours, be out your deductible (temporarily) and move on
Posted on 11/3/14 at 5:19 pm to lilsnappa
So State Farm is paying either way... the only issues are whose premium do they jack up, and is there a deductible involved or not?
I'd call my agent here and ask them for help. I'm pretty sure you always have the option to cover the claim on your insurance and then your insurance gets reimbursed by the other driver (I think they call it subrogation maybe?) and it ends up not being on your insurance record. Since you two have the same insurance company, this would seem to be even easier.
Time for your insurance agent to earn that commission.
I'd call my agent here and ask them for help. I'm pretty sure you always have the option to cover the claim on your insurance and then your insurance gets reimbursed by the other driver (I think they call it subrogation maybe?) and it ends up not being on your insurance record. Since you two have the same insurance company, this would seem to be even easier.
Time for your insurance agent to earn that commission.
Posted on 11/3/14 at 5:24 pm to LSUFanHouston
quote:
Time for your insurance agent to earn that commission.
That's exactly the route I just went, thanks for the advice.
Posted on 11/3/14 at 6:34 pm to lilsnappa
They have 30 days to respond, either wait or better yet just talk with your agent and get your car fixed, once tey sort everything out you will get your deductiable back
Posted on 11/3/14 at 10:18 pm to lilsnappa
Always, always, always get a police report. It's a lesson a lot of folks learn the hard way. If you absolutely can't wait for the cops and it's clearly the other drivers fault, I would make the at fault party write out what happened, admit 100% fault, sign it, date it, and include policy number, address, and contact number.
In your situation, your agent should get involved and get the claim rolling. They can determine fault and who to surcharge later.
In your situation, your agent should get involved and get the claim rolling. They can determine fault and who to surcharge later.
Posted on 11/3/14 at 10:23 pm to CherryGarciaMan
quote:I thought that since it's in house, meaning State Farm pays either way, they wave the deductible. Does State Farm not do that?
2. Do you have collision (rather than just liability)? If you do, file it on yours, be out your deductible (temporarily) and move on
Posted on 11/3/14 at 11:16 pm to lilsnappa
If it is the other person's fault they will pay under her liab. policy. There is no deductible on that. If they deny the claim because she denies hitting you and you can't prove it was her fault, they will pay under your collision policy minus your deductible. In such an event if you don't have collision you are screwed. It was nice of you not to call the police. Remember the Leo Durocher quote: "Nice guys finish last". If you were not injured they know the case is not big enough to get a lawyer involved and they will screw you around. Good luck.
Posted on 11/4/14 at 8:41 am to Shadowlink
quote:
I thought that since it's in house, meaning State Farm pays either way, they wave the deductible. Does State Farm not do that?
Nope.
Posted on 11/4/14 at 9:19 am to lilsnappa
This happens often. Moral of the story: get a police report!
Posted on 11/4/14 at 9:48 am to lilsnappa
quote:
State Farm has been trying to contact the driver or her mother to get a statement and they have been conveniently unavailable.
Even if you had a police report it wouldn't help this - like others have said make your agent earn their commission..
Posted on 11/4/14 at 10:02 am to swanny297
I agree with the fact that they need to contact the other party and the agent should be able to help you there...but the police report is a must in every situation. I once did the same thing. Wasn't my fault and did not call the police....NEVER AGAIN. It makes everything so much harder later. It may be easier when everyone's in a hurry but you will regret it when you need to get your car fixed as you are seeing now.
Posted on 11/4/14 at 10:41 am to swanny297
Yes it would. State Farm on both sides- they'd probably pay.
Posted on 11/4/14 at 11:34 am to lilsnappa
quote:
Is there anything I can do to get this expedited? Hoping someone in here has gone through this before and give me some guidance..
explain to them how stiff your neck and back has become during these 3 weeks while you have been waiting for them to fix your fricking car.
Posted on 11/4/14 at 1:11 pm to Chad504boy
Not a bad idea.
I've definitely learned my lesson. What pissed me off more is that I called my insurance agent while they were giving me their info and they told me I wouldn't need a police report.
Never again.
I've definitely learned my lesson. What pissed me off more is that I called my insurance agent while they were giving me their info and they told me I wouldn't need a police report.
Never again.
This post was edited on 11/4/14 at 1:15 pm
Posted on 11/4/14 at 3:12 pm to lilsnappa
A police report simply wouldn't have helped in this situation.
Posted on 11/4/14 at 3:44 pm to CherryGarciaMan
quote:
A police report simply wouldn't have helped in this situation.
do you work for State Farm? If so, why does SF often require a police report to open a claim but needs to talk to the insured before paying a PD claim? (On clear liability accidents)?
Posted on 11/4/14 at 3:55 pm to Motorboat
The good the police report would have done is it would have kept the other driver from denying that the wreck happened.
Posted on 11/4/14 at 4:07 pm to geauxpurple
quote:
The good the police report would have done is it would have kept the other driver from denying that the wreck happened.
so it keeps them from denying it happened but it's not sufficient as proof that the wreck happened? Does not make sense. I do this all day, just trying to shed some light onto why SF does the dumb things they do sometimes.
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