Journal Journal: The Veritable Shitstorm of Incompetence That Is State Farm 26
This all started a couple of years ago. I was very unhappy with the way my insurance company treated me when I wrecked my car. I know, no insurance company is going to hand me a blank check and tell me to go get a replacement vehicle of my liking. They are going to try to give me as little as possible. But when you LIE to me, then try to cover your ass with even more transparent lies when I bust you, then fuck you I'm no longer doing business with you. Also, I'd been offered a job working the the company FortKnox was with back then, and that necessitated a move to Cincy, and this company only had offices in TN. So I figured I needed to upgrade to a national company. Because I sure hadn't received any of that "locally owned small business" love they gave me as the reason to choose them over a larger company. (Unless, unlike me, you consider them trying bend me over without so much as a reach around "love".) National companies should have more niceties anyway, like autopay and 24/7 service, right?
So I got State Farm in Ohio. I hadn't moved up there yet, but they took my payment over the phone via credit card. I asked about auto-payments to the credit card. "No problem, we can set that right up for you! I already have all the card information since you just gave it to me to make a payment." Sweetness, no more dealing with that bill, even though it only came twice a year. 6 months later, I'm still in TN, the job fell through. (Read the JEs from back then if you want to know the details, suffice to say, their demand went down and they didn't have any work for me.)
I get a letter from State Farm saying my insurance was canceled due to non-payment of premiums. Umm... the credit card autopay should prevent that, right? I call them. "Oh, we're terribly sorry, don't know how it could have happened. We'll bill this and get you back on Autopay." Ok then.
6 months later, I'm in Atlanta, and I've switched my agent to a local Atlanta office. I also added my truck, which had been sitting uninsured since summer, because I don't drive it except to tow my boat to and from the lake/river. I get a letter saying I'm going to be dropped for non-payment. Fuck. I call them up and pay again. Tell them I REALLY REALLY don't want to have to deal with this every time, so can we make sure it works. Yes sir!
I'm still in ATL, but at a different address. A month ago, I got a letter from State Farm saying GA couldn't verify that I had insurance on my truck and if it was registered in another state, to give the VIN, Tag Number, and what state it was registered in. I sent all that back.
About 2 weeks ago, I got a cancellation notice for the car AGAIN for nonpayment. This time the bill said $42 something, so obviously they charged my card for the wrong amount. I call in fuming. I ask her why the hell the credit card autopay never works or apparently this time, didn't charge the correct amount. She looks into and finally tells me the reason it hasn't been working is because State Farm doesn't HAVE a credit card autopay system. Ok... then... nevermind. We get it fixed and I ask about the truck. What truck? The truck I have insured with you guys! You don't have a RECORD of me having insured a truck with you? Oh, it was canceled when the car was, but I didn't receive a separate notice, but you didn't charge the premium for the truck when I told you to renew. *Sigh* Well just add it back. So then I'm told that I can't add it back because it was without insurance on it for 30 days. In order to get it insured through State Farm again, I have to get insurance somewhere else, then switch back (not fucking happening.)
So yesterday I get 3 things from State Farm. 1) a bill for the full premium. 2) new cards that DON'T have the truck listed. 3) a statement saying that GA DMVS is unable to verify that I have insurance and I should send them proof. (Umm, you're my damned insurance company, you send them proof, or maybe just say "Yes he does.") Then today, I get 2 things. 1) Reinstatement notice and 2) a check for $6.06 that was an overpayment.
So, first you don't take out anything at all, and cancel me. I call in and fix it. Then you take out too little, and cancel me again. I call in an fix it. Somewhere along the way, you canceled my truck without telling me and now say it's too late to fix it, then you send me a check saying I paid too much. Now, I'm getting ANOTHER bill and only God knows how bad you'll FUCK UP this one if I stay with you. All this headache and them fucking with my money and I haven't even had a claim? God help me if I ever got in an accident. They'd probably say I didn't have insurance for that day because I cashed the $6 check and they really WASN'T an overpayment, so they just left me uninsured for that one day so they wouldn't have to bother me with another bill. Oh and if I ever want to legally drive my truck again, I have to have TWO insurance companies or do some some funky insurance company musical chairs bullshit? Or option 3, which is what I'll take, tell you to shove your incompetence up your collective ass sideways (assuming you can find room with all your heads up there) and find someone that actually knows how to run a business.