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Payments Not Late, Coverage Not What They Said
Posted by
DAVID DOYEA, MINNESOTA -- I am a customer of State farm, I recently changed from Allied. When I switched David told ensured me the coverage was the same. Now I have been in an accident and I find out I have no towing coverage, no rental coverage, and the claims people are mean. They asked me what I had done, as if I have ever been in an accident before. Friendly Chevrolete, where I bought my car, said they would pick up my car, set me up with a loaner and take car of everything. This is the place I bought my car, not my insurance company.
DO NOT GO WITH STATE FARM! They are uncooperative, misleading and unconcerned with their customers. They only seem to care about taking my money.
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trmn8r on 01/03/2011:
I know that I have towing coverage - it is stated right on my State Farm policy - for each covered vehicle these things are itemized.
I have had SF since 1980. The claims I have had were handled promptly. When you say the claims people "are mean", what specifically causes you to say that? Who was "uncooperative" and how?
fast327 on 01/03/2011:
I've had SF since 1963 and ditto what trmn8r said.
Anonymous on 01/03/2011:
Didn't you have a copy of your policy? It should tell you what you are covered for. I would never just take someone's word on what I am covered for, especially when it comes to insurance.
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State Farm and my 2007 BMW 328xi
Posted by
ATLANTA, GEORGIA -- On October 28th 2013, I was rear ended by a 70 yr old guy in a brand new Buick LaCrosse. The damage was so severe that the truck lid was stuck shut, passenger rear door was buckled, whole quarter panel was twisted and the fuel tank vent system was breached. Many warnings lights was on, parking sensors malfunction, fuel tank system warning, etc. The car wasnât drivable.
The insurance carrier of the person that rear ended me is State Farm.
I filed a claim through my insurance company (Esurance) and with State Farm. Esurance claims representative called me back and said he wanted to make sure State Farm is handling this because theyâre the party at-fault and is 100% responsible.
While I cannot talk about the injuries I have per my attorney, I will tell you how State Farm handled the repair of my 2007 BMW 328xi.
I brought my car to North State Custom bodyshop in Bedford Hills, NY because theyâre trained and certified by BMW to repair their cars. I told them only OEM parts can be used to repair the car. I made it a point that they need to contact me and discuss before repairing the car as I know it doesnât look good.
A week later I get a message on my answering machine from State Farm saying the car is repairable and it costs aprox $9,000.
I called State Farm back and like expected, no one picked the phone up and they want to have a voicemail left.
Aprox 2 weeks later, more damage was found during disassembly. The bodyshop had to make a supplement twice.
I called State Farm and again no one picked up the phone. I stayed on the line and demanded someone pick up this claim right now.
The lady who read out my claim said my car was flagged for a total loss and it costs $13,600 total for the repairs. She went on to say she doesnât know why they repaired my car because it was supposed to be a total-loss and she doesnât know who authorized the repairs.
I told her I need copies of all the documentation and records on this.
She kept telling me sheâs not authorized to do that and will have to send me to my claim representative Chona [snip]. Her position is total-loss department.
I finally got through to her and she told me my car is only $900 away from total-loss but it was flagged for a total-loss. She said they use 75% rule to determine if the car is a total-loss.
I told her the car blue book is only 12-13 grand. She tells me they donât use the âblue bookâ way and they have a different system of valuing the car.
I asked her what the carâs value per State Farm is. She told me they value the car at $17,300.
I said why wasnât it not totaled then?â¦because the damage is severe and thereâs frame damage.
She basically stonewalled me at this point and said because itâs only $900 away from total-loss and went on to tell me it didnât meet the total-loss per the car age and value. Said theyâre taking 100% responsibility for this accident and handling this case, thus telling me good luck at this point.
State Farm closed the claim saying thereâs nothing they can do about this now.
Esurance has keep their claim open because the problem with State Farm is not resolved.
To date I have not received any copies of documentation and explanation on how they came up with that value of $17,300.
I got a copy of the estimate papers and it shows that recycled and parts from a similar year model is used and new parts are substituted with aftermarket parts and not all parts are new.
A week later I got a call from my bodyshop saying my car is fixed. It was in the shop for over a month, it needed over 100 manhours to fix it.
I asked them who authorized the repairs because I never gave the go-ahead and the car was supposed to be totaled. They looked at me like theyâre in shock.
They told me the State Farm appraiser told them to go ahead and repair the car.
I found out State Farm sent the check directly to the bodyshop, very disappointed no one contacted me about this.
I had to return the rental car and pick up my car, it was close to closing time at the body shop and it was a Friday. The shop told me the car frame had to be pulled back to specs and the damage was so severe that the car that hit me probably did not use any braking.
On the drive home, I hear a whirring noise under the car. Sounds like a wheel bearing or the transfer case. When I go highway speeds, thereâs bad vibration. The car never did this before the accident.
I noticed thereâs areas of the car that was not repaired to the way it was before the accident, such as the trim on the top of the bumper has a slight curve to it and it wasnât like that before the accident. Also the gap between the trunk lid and the bumper is bigger than before while the top part of the trunk lid is flush with the quarter panels. The replacement battery they used in the repair of the car is smaller than the OEM battery.
On the morning of January 22nd, I turned the windshield defroster on and made a right turn getting onto the parkway, I heard a cracking noise a few minutes later. Thereâs a long crack on my windshield starting from the bottom of the driverâs side and runs all the way to the bottom of the passenger side up a slight curve. Upon examination of the windshield from the exterior, thereâs no impact point or damage that could have caused it to crack.
At this point Iâm thinking since the frame was pulled, it stressed out the windshield thus causing it to crack eventually.
I contacted Esurance about this and the claims representative told me they will contact the bodyshop and ask them if they feel the frame pulling has caused this to happen. I know the shop will try to play it down.
I filed a complaint with the Insurance department on this already.
I contacted my insurance (Esurance) and theyâre trying to find out who dropped the ball at State Farm. But so far no luck because State Farm is not returning calls. I told them (Esurance) they need to push harder and get State Farm to fix this because the car shouldâve been totaled.
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FoDaddy19 on 01/24/2014:
Assuming it has around 100k miles on it. The retail value of the car is about $14k-$16k depending on the options. Trade in value is less. Most dealerships and I'm assuming car insurance places go by the NADA black book, which isn't available to the general public and is updated every two weeks or so. KBB and NADA almost always have different values.
Anyway it sounds like the car wasn't repaired properly and State Farm really dropped the ball from the sounds of things. I doubt they'll be willing to write off the car after its been repaired, but they do have an obligation to have the car repaired correctly, which wasn't done. You may want to have your lawyer get involved if State Farm is stonewalling you.
Paul on 01/24/2014:
Your issue at this point is not that the car was repaired, in my opinion. That's a done deal and I don't see that being undone. The issue is why it was not repaired correctly, and getting that corrected completely to your satisfaction. In my opinion your main beef should be with the body shop. As far as parts used, I'm not sure if you will prevail there.
I've had SF for 35 years. Once I was the victim of a hit and run that did $8000 damage to my 280ZX turbo, worth about $15000. I took the car to a shop of my choice (as you did), and the SF appraiser did all the interfacing with the shop. If I wanted to know something, I checked in with the shop. Like you, they found additional damage, and the frame was bent.
That car came back driving better than it did before the accident. The BS owner had told me this would be the case, and he was right. The body work was first rate. I'm sorry your experience was a bad one. I'll admit, part of this could be because you are the not at fault client.
Shaun on 01/28/2014:
I wonder why Esurance didn't take a more active part in the process? Normally many insurance companies will even when the other person is at fault.
It may have been that no one actually dropped the ball but State Farm ultimately decided it was more cost effective to repair. It's important, though, that you hold North State Custom to the quality of work they should have provided. If there is concerns, you may consider going to a third-party body professional to inspect NSC's work. If you do, have them put their opinion in writing so you have something to argue with.
Best of luck.
OrlandoJR on 01/31/2014:
why are the poster made at state farm? That is not their insurance company. It is in State Farm and their customers interest to low ball and stone wall on claims.
It appears as if the poster did not have collision coverage, which is one of the problems when you have accident. If he did, Esurance would have taken a more active part. Instead, he had to deal with State Farm, who could decide to simply stall or not pay the full amount.
I agree the real problem appears to be the quality of the repairs.
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Hit By A "Distracted" Driver
Posted by
MECHANICSBURG, PENNSYLVANIA -- My car (and me) were rear ended at a high rate of speed, while I was waiting to make a left hand turn. The person who hit me admitted it was their fault (100%) and the police report reflected this.
State Farm admitted responsibility and promised to make good on the claim. My car was old (2000 Subaru Outback) but an excellent car. They valued my car at $5300 and the repairs at $4000. The car is drivable but needed to be repaired to pass inspection. They refused to repair it to it's before accident condition and "totaled" the car so I could not even fix it myself without going through a lot of inconvenient title changes and legal loop holes.
Anyone with decent values would fix the car to it's pre-accident condition in this situation. If I was at all at fault I would not be writing this.
I do not care about "rules" "procedures" or profit margins, just write and wrong. This accident is going to cost me at least $3000 to get an equal car (after their "generous" settlement").
State Farm will gladly take money but all you get out of it is "peace of mine" not responsibility. Dealing with his company sucks.
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Alain on 11/06/2012:
You can file a complaint at http://www.attorneygeneral.gov/complaints.aspx?id=451
CowboyFan on 11/06/2012:
The question I had was: did State Farm insure the other driver. The fact State Farm took "responsibility" implies it insured the other driver, which means the fact that they paid at all, instead of fighting, it was good.
A car we own always feels like it is worth more than other similar cars on the road because we take better care of it. The problem, is that valuation is based on a generic vehicle, unless one can show special circumstances related to the vehicle-not simply repairs, e.g. new paint job, etc., which might give some leverage to ask more.
madconsumer on 11/06/2012:
very helpful review, and voted as such!
'snake farm' has been known to do this before. they did not earn their nickname for no reason!!
olie on 11/07/2012:
ok4now, in '08 I t-boned a distracted driver who blew through a stop sign. I had no sign, and stupidly figured that, like other idiots in our city, he'd slam on the brakes before the intersection.
The police and EMTs were AWESOME to me, and so was MY insurer, State Farm. The other guy's insurer was a pain in the butt.
But I was driving a paid-for '96 Mazda Protege. We loved that car. Yes, we received what might have been a "nice down payment on a new car". Unfortunately, we could not afford monthly payments for a good used car or a brand-new car.
See, that's the great part about a paid-off car. We use that money for other stuff. Just like parents whose child-support obligations are over, or people who have been able to pay off their mortgages. Once that payment is over, the people tend to find other uses for that money.
In our case, a new roof and college payments. It's not like we just started putting that $300 per month in a high-yield account. Or taking expensive vacations.
ok4now on 11/08/2012:
olie, I fully understand your point. An older car in good mechanical condition with NO payments has tremendous value to the owner. My second car is a 99 Saturn with only 34K miles in great condition. I use it to go shopping and foul weather driving. My new Toyota sits in the garage not subjected to this. If the Saturn was totaled in an accident I would get next to nothing for it due to its age. It has value to me but not to the insurance company for a claim. This is the chance you take.
Gardener07 on 12/01/2012:
My son's car was totaled and State Farm wanted to give him about $9,000 for it - and he just kept refusing. Said his car - a little sports car was worth much more - They even sent him a check and he tore it up and finally found a comparable replacement for $14,500 and they actually paid him that. I was amazed. I never thought he would get that.
Rich on 12/01/2012:
I have had State Farm for 25 years. My wife's car was tboned as well, an older Ford Escort wagon. Again, in great shape and I had just had the timing belt/water pump repaired. The blue book value was about 2200 at that time, they offered 1,500. Why, because a dealer told them that was what they would try to sell my car for. I asked them where that car was because I wanted to buy it. No no no, there is no car, its what they would sell YOUR car for. So, rather than an objective blue book or any other value for my car, they called dealers til they got one to say a number they liked, then offered it to me. I thought the whole process was as dumb as it couuld be.
1garyallen on 12/03/2012:
You stated, " I do not care about "rules" "procedures" or profit margins, just write and wrong."
In business the rules and procedures are all that matter. Insurance companies try to keep everything black and white, no gray ares. We all have to play by their rules or find a new insurance carrier. The profit margin is nothing more than a crap shoot on their part but normally they are right on the money after years and years of record keeping.
I have a car that's over 20 years of age and enjoy it very much. It's actually a collector car and although I have it insured by State Farm I also have an additional policy which would allow the car to be completely rebuilt from the ground up should be be involved in an accident.
Robert Wilson on 12/04/2012:
State Farm was my insurance for several years,home, and auto. SF sent me a letter demanding that I paint my garage or cancel my policy(s). I quickly dropped them .RW
Erin on 07/05/2013:
I got tboned after a month of buying my first brand new off the lot car. Other driver was at fault and my car was a write off. I financed my car a month before said accident for 22, 000. Had every new car policy on my insurance with state farm too. The other driver that hit me and was charged was also insured by state farm. So I get offered 17000 for a replacement cheque for my now new totaled vehicle. So I'm out 6000 dollars. I complain and they now say only 19000 is the total they will give. So I'm out roughly 2500. So why should I pay for a car that's totaled when I'm not at ffault. State farm should pay the whole amount
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Posted by
PLYMOUTH, INDIANA -- If you think State Farm is a "GOOD NEIGHBOR" your wrong!! I purchased a car and 3 days later was hit from behind while sitting at a red flashing light. I was hit by a person who was not insured and was going 55 mph. My care was a total loss.. police stated it was 100% other drivers fault. State Farm has been rear ended me every since.... which was my insurance!! they took forever to get an estimate, took forever when they finally did send someone out and took the whole back end of my car apart wanting to attempt to fix it with 10,000 dollars damage. Told them I was not fixing this car!! it was hit to hard and bent the frame in the back!! they still wanted to fix it!! finally they agreed to replace the car and I had 5 days to purchase a new one, working until late every night at my job that meant I had 1 day to purchase another car.
Now I have to pay for the rent a vehicle!! and would not let me use my own renters insurance that I had paid for on my own policy.. then State Farm reported I was at fault!! what a nightmare State Farm has been.... I will NEVER recommend anyone to State Farm!!! get out now if you have it, before this happens to you !!! Had to hire an attorney to fight my OWN insurance that I have paid for
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trmn8r on 09/09/2012:
I'm sorry you had a problem. I have had a handful of claims with State Farm and never had a problem. My 1983 car had a retail price of $18,000 and someone hit me 2 years later and did $8,000 of damage, including the frame. I found a top notch body shop with a frame straightener, and State Farm agreed with their repair estimate. That car drove like new after it was repaired, even though I was nervous.
Did you need an attorney because you refused to have the car repaired?
Jackie on 07/30/2013:
I'm going through the same thing. It's been almost 4 months since my car has been sitting in a repair shop because State Farm does not want to pay for the damages. They're saying my car was in an accident in 2009 (I didn't owned the car at the time) and therefore they cannot pay for these damages. I told them all I'm asking is to have my car fix for the damages caused by this accident but they're still going back and forth disputing this and meanwhile I'm paying 100% for the rental. I'm thinking about getting an attorney involved.
Gary on 08/03/2013:
I am suing State Farm right now. An 18 year old girl and her boyfriend ran a red light and we collided. The police officer stated he was going to ticket the girl but needed to consult with TEX DOT to confirm the light was working properly. He never consulted TEX Dot and called it no fault. I have 3 witnesses. State Farm
stated they were running two independent investigations and also called it no fault.
I have had one court proceeding and State Farm had three separate law firms representing them. Look up Deny, Delay, Defend. Did you know we pay 1 trillion/year in insurance premiums and they get to include legal fees in the price of the rates they set. So your paying for their lawyers and have to pay more to hire yourself another one. State Farm is owned by one family. Ed Rust Jr. runs the whole thing. Every year he rakes off the profits and pours them down his family trust tax free. A mutual insurance company is supposed to return profits in the form of dividends. They ignore the law and buy off anyone they need. My lawyer just dropped me after taking $21,500 claiming a conflict of interest. I can't get an answer yet. You will never win in court. They own it. Look at the IL. Supreme Court decisions where they are based. You should work through your State AG. They make you buy the insurance under threat of penalty. Make them defend you. Just don't forget 50 states were all bribed to make us buy insurance or face fines. State Farm pays zero income taxes. It's all a royal screwing of the consumer and the federal government is piling on.
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Read !
Posted by
I work for State Farm, claim representative for homeowners claims. I am not a fan of the company, only because it does not fit me and the "workflows" / customer service policies. Sorry, State Farm policyholders, not what you think... all they (State Farm) think about is trying to improve customer service (yet I think many processes are not helping.) Well, I do think they under pay employees, have a horrible rating system for employees, and micro-manage (and getting worse) their employees.
But as to what this web-site is for... hating State Farm for not paying money for claims.
The policyholders need to read their policy and understand what it covers and does not cover, if you don't know (b/c it does look like reading a law review) ask your Agent, yet I feel most Agents don't know squat.
For everyone (I know and will discuss homeowners policies) your policy does not cover flood, it does not cover water that enters your home seeping through a wall or floor, running under doors (flooding, you want water running or seeping through walls, floors, doors, windows covered... you need flood insurance!!!! even if you don't live in a flood plain and your mortgagee doesn't require it). The policy does not cover FLOOD, or water that backs up from a sewer or drain (read the policy).
The policy is not maintanance plan. If water leaks (pretty much anywhere, especially the roof) continuously or repeatedly it is obviously a maintenance issue, or negligence (b/c you didn't bother to fix it). Thus brings to me to... rot and mold. For things to rot or mold it has to have water affecting it for a long (lloonngg) time. The policy covers damage that happens... boom, one time, right now. Thus... Accidental Direct Physical Loss (ADPL)... to me, this means (boom) happened right now. Hail hit your home, wind hit your home, tree fell on your home, wind may has blown rain into your home... ADPL. Yes your roof decking (1x's or plywood or OSB) maybe rotted, but sorry it was apparently leaking for a long time, does it have to be fixed or replaced... yes, but insurance can't pay for it. Rot and mold does not happen after a couple of days or weeks (especially rot), thus why they are not covered (ADPL), you got to stay on top of what is happening at your home.
Sorry for the rant. State Farm pays for what is damaged, sorry but if only parts of your home is damaged, they are only going to pay for damage. If there is only damage to one slope of your roof, or 1 or 2 elevations of your home, they only owe you for that. Sorry it doesn't match, but... policy pays for (say it with me) ADPL.
When the wind blows or hail falls it typically (typically) comes from one direction, thus you will only have damage (typically) from on 1 side of your home. (By the way people can not see (AND AREN'T LOOKING AT) multiple sides of your roof or elevations at one time, so matching is a poor excuse.
HAIL- everybody loves it for insurance. Hail will effect every roof differently. (Although your neighbor got a new roof, you may not.) Older the roof more likely to get damage, (but color of roof, tree coverage, steepness, quality of shingle and direction of house will affect how quickly the roof ages), the steepness of roof, direction hail blew in it at, tree coverage, and quality of roof (funny how that hail damage is related to the factors that determine how quickly it ages) will determine if you have hail damage.
By the way Independent Adjusters get paid based on how much they pay you, so if they don't pay something they are taking money out of their own pockets, so what since does it make for them to pay for 1/2 a roof, unless there is not damage. (I spite those guys, they make WAY more money than us.)
I really do hate my job, it is just not a fit for me, I am a home builder by schooling (Bachelor degree) with 9+ years of practice, and now stuck under fluorescent lights and a micro-managed schedule (to benefit the customer). But you got to know...
Something to keep in mind, there are 4 types of contractors (for insurance purposes):
1) Contractor charges same (honest price) no matter what,
2) Contractor who knows Insurance pays a lot more than normal and will accept the Insurance price (correct and fair price for damaged items),
3) Contractor who doesn't know Insurance process, but knows Insurance pays a lot, so will nearly double price because they think Insurance will pay it,
4) The dirt bag Contractor, who always rips off customers and will try to rip off customer and Insurance company.
(Keep in mind Insurance Adjusters make mistakes (a lot of mistakes) so they miss items, miscalculate, invert #'s or just don't know.
If you were to have a contractor to your house and say how much for a new roof, (as example) contractor #1 will say $9,000 (or you don't need it) & #2 & #3 will say $10,000, and #4 will say $14,000+.
Tell same contractors you got to Insurance claim: #1 will say $9,000 (or you don't need it), #2 will say how much will Insurance Co. pay?, #3 will say $12,000, and #4 will say $16,000+.
By the way to replace the roof is probably $9,250. (#1 is just too honest)
Well, nobody will probably read this so I guess I will quit typing now, but before I am done, I hate my job (I am trained, not used to being micro-managed, under paid (used to make double salary with old career), and don't agree with how much money State Farm pays out for claims (too much)).
We, State Farm, tries its very best to pay claims, and always bends the rules (policy) in the favor of the customer, any grey area of policy means pay the claim. But if policy says,"not covered" can't pay. PERIOD.
So if you can't afford to pay for "some" damage to your home (without insurance) or pay your deductible (including Hurricane or Wind/Hail deductibles) don't own a house. You fools are probably the people who put this real estate / home value / foreclosure / "bad market" into a downward spiral, thanks... I am now doing a job I hate, and you fools are filing claims for 3 shingles missing from your roof (buy a hammer, buy a friend, or have $250 in your checking account) in hopes to have something positive happen your lives... an insurance check (and now that you are laid off b/c of the bad market, you attributed to, you just want the money.)
JOSH - if I ever handled your claim, or if you work with me, you know me (because I am blatently honest all the time to everybody), and know this is all the truth.
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lobo65 on 08/13/2010:
State Farm pays too much? Ha ha. Talk to some of us on the Mississippi Gulf Coast, and see if we agree. I would go without insurance before I would choose that company. Like a good neighbor, my hind end.
Anonymous on 08/13/2010:
You know, when people on this site start throwing the "terms & conditions" card, I get a little irritates, BUT when it comes to an insurance policy, and my home, I would read it up and down 15 times before I signed anything. youre talking about thousands and thousands of dollars at stake. Lets all face it. the commercials you see on TV for these insurance companies acting like they will "be there" for you is a bunch of bull. Its just a front to get you to give them your money. The insurance companies are like every other company in the us. They are there to MAKE money, not give it away.
Nohandle on 08/13/2010:
Interesting read outielike. Most policyholders are totally ignorant on Homeowners Insurance since that is not their line of work. Even it you read your policy much doesn't make sense. I'm fortunate I have a State Farm agent knowledgeable on insurance and I basically go with what he tells me to do. I do know mold is not covered, period. My home is elevated and I'm not on the coast so have not bothered with Flood Insurance but might have to rethink that one. I guess anything can happen and certainly hope my insurance covers it.
allpeople on 05/19/2011:
Home insurance ,like all insurance,is just a "Madoff" legalized pyramid scheme to legally steal and occasionally pay some $ to a homeowner!!!!!
Chris on 12/28/2013:
How does ADPL affect things like roof flashing? Some adjusters from State Farm tell us that they won't pay for flashing (drip edge, vents, step flashing, valley et al) because it's not an accidental, direct or physical loss. But if you can't properly repair a property's roof without replacing those items- would that not be a direct loss? It seems like they're not "erring on the side of the insured" in this instance - and it happens a LOT.
PDFinder on 02/14/2014:
I spent 25 years handling all types of property claims including 4 hurricanes, 2 earthquakes, and thousands of daily water, fire, racoon, and "I'm an Idiot" claims for State Farm after being a contractor for 17 years out of college. Every claim is different. Every claim may or may not be a covered loss. The one thing I know and would testify in court is that State Farm teaches every adjuster to look for and find any way possible to pay out money for damages that an insured has incurred. I see a lot of sour grapes from the writer, but I will promise everyone, the adjusters at State Farm are paid one of the highest wages in the industry. Perhaps, he/she has a reason to not want mgt. to check and review the work done. My entire experience tells me some people will never be happy with any insurance company! It also tells me there are a lot of very nice people, very happy, that I showed up at their destroyed home with a check within hours. I loved my work and the vast majority of fellow employees, and almost every policy holder I helped. Thank you, State Farm for giving me the opportunity to help those who have suffered a loss.
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State Farm ripping of our senior citizens
Posted by
VILLA RIDGE, MISSOURI -- We are a small contracting firm in the St. Louis area specializing in insurance restoration claims. Our deal like most of the other insurance contractors is that we complete the work for the amount established by the insurance carriers. We have found that this has the minimal financial effect on our customers with the only out of pocket costs being the deductible and any upgrades.
A large hail storm producing golf ball size hail and strong winds blew through Villa Ridge, MO on 5/13/10. Approximately 1 1/2 weeks later a storm came through producing 60+ MPH winds. One subdivision, Golden Pond has had approx 80-90% of the roofs replaced due to the hail.
We had several houses in this area that we recommended replacing the roofs. The State Farm adjuster met us at these sites and we both inspected the roof. He recommended replacing one roof, did not include any of the roof accessories, IE; vents, drip edge or pipe flashing and only one run of aluminum gutters across the back of the house. No consideration at all for the front gutters or any of the screens that were damaged. His comment to us was you know how the game is played. She is a disabled senior citizen that can barely walk. The adjuster was told, by our customer, to contact us about the claim and we would make the arrangements for any meetings that were needed. He was left several phone messages and never called us back. He went to her home, without us present and settled the loss. I got a call and she was crying saying that she almost fell getting to the door, it takes her over 5 minutes to get to the door. He kept ringing the door bell until she answered. And he missed the interior damages as well.
The other house in Golden Pond he recommended 1/2 a roof, 3 aluminum window wraps and no gutters. A few inappropriate and derogatory remarks about our customer were made by him, such as, "She is kind of goofy isn't she?." She was involved in an auto accident recently and had a brain trauma. He recommended to the homeowner to withdraw the claim so she would not be charged with a claim and to file one later and maybe the front would be covered. then came back 1 hour later and gave her a $1,500 estimate with a $1000 deductible and closed the file. This yard connects to the 1st house we wrote about. The neighbor on the north side, south side, west side and east side of her each had hail damages and got full roofs.
We had the same adjuster on 4 other properties in the area and an independent adjuster from State Farm on the 5th property. We googled a map of the area and these houses are all in a straight line with the yards connected 2 of them, and the street dividing the rest.
He recommended paying for one roof, only half the gutters, a garage door, and had a repair recommendation of $76 for a metal door that was damaged. He denied the damages to the metal pole barn roof. The back yard connects to the independents roof, he did a 100% replacement with no problems.
Directly across the street our customer is another retired senior citizen who was denied. He was told there was no damage at all. We replaced the next door neighbors roof and our competition replaced the roof across the street from them.
Across the street our customer is with a different company and got a whole roof, gutters, siding and a roof on the pole barn. This yard connects to the property of a retired widow. He recommended replacing 1/2 of her dwelling roof, the back gutters, one metal roof and half of another metal roof. His comment to me was " I guess we will see how good your salesmanship is and you can sell her the other half of the roof. He then stated that he did not want to set a precedence on replacing the metal roofs because he does not think the structural integrity was effected by the hail. We met him on site two weeks ago and she still has not received the estimate or check, but has been told at least 4 times that the check was in the mail, an out and out bold faced lie. When she asked for another adjuster she was told that State Farm will not send anyone else out, they have confidence in the adjusters assessment of the damages and his repair recommendations.
Another retired widow house was done half way as well, shingles only on the roof, no gutters, no roof turbines, and no screens. We met him for a re-inspection, he will not pay for one of the roofs on the property. His inspection was 2 1/2 weeks ago, still no check. In the mean time our customer has been hospitalized with heart problems and called me literally crying her eyes out and wanted to know what was going on. She told me her blood pressure was up again over this and she can not deal with it any longer, and that we should go ahead and complete the repairs and she will pay for it all. This is golf ball sized hail that caused the damages.
My last complaint is a customer that we replaced the roof next door to him from the wind. You can lift huge sections of shingles on both the slopes on the garage and house. State Farm recommended replacing 3 square of shingles, and some guttering, with no consideration of removing the tree off of the garage. He now has interior water damages.
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Alain on 07/24/2010:
You know, a call to your local TV stations might be in order for this type of behaviour.
rae ann gielau on 05/07/2013:
we had state farm ins.3 years ago and tried to get them to take us back for home owners ins. we are senior citizens and we asked them for help because our ins. we have now raised out payments so high it hurts us very much and state farm said our ins called them and told them we turned in a claim for a brioken pipe which we did but they helped us pay for the new carpet in the basement and the walls replaced and floor we did not do all we had to due to it and yet they say state farm cause we also turned in a water problem to them from a roof leak and they did not give us much to help us only $400.oo to fix the leak on the roof and nothing else we now cannot get state farm to cover us why? We have had hail damage IL is well known for this also but we paid for the siding and they did not heklp us much on that eiither we are old and it takes a lot to keep up with the weather it is not our fault we pay them on time and never miss a payment we also had our car isn with them now they say we can"t do that either what is up with this this is wrong
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20+ years of loyalty earned this?
Posted by
MCMINNVILLE, OREGON -- This posting is in regards to an accident my daughter was involved in on April 16, 2010. She had stopped behind a car waiting to turn, and her vehicle was rear ended (and totaled) by another car who's driver wasn't paying attention.
Our agent was very helpful in getting a claim started for medical coverage.
The issue is that the other driver was also insured by State Farm. I found out very quickly that this apparently changes the rules. The rental car coverage that I have been paying for all this time doesn't come into effect unless the claim is made on my policy; which of course it wasn't since the other driver was at fault. Therefore there is no rental car available to used to find a replacement vehicle, unless you pay for it out of your pocket, once the other claim makes an offer for your totaled vehicle over the phone. Not once you receive any money, which takes another few days in the mail; or you can pay for the rental yourself and drive the hour or so to go get it, and while you're test driving vehicles.
I owned the vehicle my daughter was driving for 9 1/2 years, took very good care of it and the engine had a lot of miles on it, but would have easily gone another 100,000+ miles. Please tell me where you can actually purchase an equally reliable running vehicle for $1400?
My daughter is a full time student & her school is paid per term, but she has to pay additional for any missed days to make them up in order to graduate. That's $80/day that's not covered by the insurance, unless she misses 14 days. She had a neck injury that kept her out of school for a few days, but not long enough to get reimbursed for it. She has to pay extra for those days to graduate.
In addition to all of this, even though we're State Farm customers the State Farm people from the 'other claim' were absolutely horrible to my daughter on the phone. The accident was on a Friday, and the following Tuesday she received 8 calls from them wanting information or telling her what she had to do. She was so stressed out by all of this that I talked with them and made sure they understood they weren't to call her about anything else. There were several different people that called, and the information was very contradicting. Like one person telling us to take the car in for an estimate on the damages, then someone else telling us not to take it to a shop and that it didn't matter if we took it in for an estimate on the damages that their estimator had to look at it, then a different person told us that we were supposed to leave it at the shop where the estimate was done...huh? I had already moved it by then.
Then once the estimator looked at it and told me that it was totaled, the people in the claims office told me it wasn't totaled, then another person told me it was, and then yet another person told me that it wasn't really decided that it was totaled. It took 3 days to get a straight answer. My dilema at this point was... do I start looking for a replacement vehicle or am I fixing this one?
Once they decided the car really was totaled, the claim was transferred to the total loss department. It took a few days for them to make an offer, which I refused because I had already gotten estimated values from a couple of web sites my agent had suggested, as well as multiple private party ads for the same year/condition vehicle that were much higher. They took a full week to make another offer, just a bit higher than the first one. By that time I was so disgusted with the whole experience that I decided it wasn't worth it and accepted the (lousy) offer, and moved on to researching new insurance companies.
I have been with State Farm for over 20 years. I have had auto, renters and home owners insurance through them. I kind of expected them to go to bat for me in dealing with the other claim. I actually expected them to protect me and my daughter during this experience. Oh yeah, they were sympathetic & all. My agent did get them to extend the rental car coverage for another 3 days. I still had to pay for a rental car out of my pocket, and then had to borrow a vehicle for the rest of the time till the vehicle could be replaced.
What a nightmare. I am very disappointed. All of the State Farm commercials say "State Farm is there...". They imply that they (State Farm) will help you. Not in this case.
I am definitely moving to another insurance company. I really don't want anything else to do with State Farm. What's going to happen if there's another accident? I feel like I'm just throwing my money away, like they won't be there for me when I need them.
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lobo65 on 06/18/2010:
Par for the course from State Farm. Just ask those of us on the Mississippi Gulf Coast how much of a neighbor they were after Katrina.
twixypeps on 06/18/2010:
When a total loss offer is made and accepted, rental payment are stopped. it's law, no way to get around it, it's in your policy, and all insurance companies do this...Loss wages (which you could probabaly consider for your daughter's classes, maybe, I'm not a claim's specialist) are not covered without an edorsement, which costs extra..I don't know what type of car you had, but it doesn't sound like it's worth anymore than 1400...sounds like you had people irritated with you being irritated with them
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State Farm supports uninsured drivers talking on cell phones!
Posted by
royally pissed
LYNCHBURG, VIRGINIA -- I consider myself a responsible person -- adult, who has never been responsible for any motor vehicle accident. I have no outstanding parking tickets. I take pride in my excellent driving record.
I take pride in my character.
I will assume responsibility for what I must, but I am not so inclined to take responsibility, particularly financial responsibility, for something of which I am not guilty. For 3 years. For an automobile accident I did not cause on November 4, 2009. I will not be accused of something for which I am not guilty. State Farm grossly erred in their conclusion of this accident.
I made a video recreating the accident.
This is not a heavily trafficked area.
There is no obstruction of view.
How many times must I say I was already in the street, preparing to shift gears from reverse to 1st? I was STOPPED!!! The commissioner told me I was at fault because I had pulled out of my driveway.
How many times must I say my car had to come to a full stop, there was a little movement. Itâs the law of motion. BUT MY CAR WAS STOPPED WHEN SHE HIT ME!!!
In my video, my driver indicated she was going 15 miles per hour. The uninsured teen driver talking on her cell phone told the police she was going 19. Look at the video. Going 19 miles per hour would have alerted this young lady there was on-coming traffic. Me. My car. Already out in the street. Coming to a full stop preparing to shift from reverse to 1st gear. I was already in the street, preparing to shift gears from reverse to 1st, that my car had to come to a full stop. YOU CANâT CHANGE GEARS FROM REVERSE TO 1ST WHILE THE VEHICLE IS MOVING! How many times do I have to say that?
How many times must I say the uninsured teen was on her phone at the time of the accident? That I went in my house and called the police and my insurer, State Farm, on my phone? We both gave the officer our license, registration and proof of insurance.
After impact, it took 5 seconds for me to get out of my car to go to her. My first concern was her. Was she hurt? She was not looking at me. She was not looking for her phone or dialing a number. She was already on the phone. Crying. She knew. How many times?
She was reckless in her operation of a motor vehicle.
Is it so unreasonable to think a cell phone distracted a teenage driver?
I agreed she swerved. She had to. It was just too late.
Her car made contact with mine. Her front passenger panel was dented. The driver-side bumper on my car was ripped off. Had I been moving with any speed or in any other position, a side panel on my car would have been impacted.
I donât have a cell phone, but I have a multi-policy coverage with State Farm, but not for long.
State Farm never returned my phone calls. We pay you.
I would appreciate a reversal of your imposition of increased fees and premium, and a reversal of my damaged driving record effective immediately. But it will never happen because State Farm paid to have her car repaired.
I would appreciate a restoration of my excellent driving record, I would appreciate the removal of and reimbursement of funds resulting from the premium increase and any and all associated fees and funds due and owing me, and the removal of the 3-year penalty.
I would appreciate the removal of this from my file, which would never happen because it would be an admission of guilt on their part.
State Farm apparently supports cell phone use while driving, particularly from high school teenagers who lack enough responsibility to have insurance, but a cell phone. That is, until the laws change, then they'll be more aggressive with no-phone zones for drivers.
The insurance commissioner said they sometimes rule against agents, but couldnât give me a number. He said, âIt happens sometimes.â âWell, how often?â âOh, I donât have that figure in front of me.â âI bet itâs less than one percent.â He was silent and told me he wasnât going to argue with me.
On April 15, 2010, Good Morning America reported two days after speaking with the insurance commissioner. http://abcnews/. go.com/GMA/distracted-driving-federal-enforcement-pilot-program-begins/story?id=10377741 April 30, 2010 is National No Phone Zone.
I did not cause this accident. How many times must I say this?
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COOKIES! on 04/20/2010:
It stinks you were hit and had to deal with this but in every state I've lived in it is illegal to back out of your driveway. If you have a small driveway I understand it is almost impossible to turn around but her being on her cell or not, if you backed out of your driveway in my state, you are at fault. Sorry.
Anonymous on 04/20/2010:
Illegal to back out of a driveway? How are you supposed to get in and out? I never heard of such a thing. I live in Ohio.
MRM on 04/20/2010:
I am flabbergasted by this story and I believe, the other driver, the teen, is at fault. The OP was out of her driveway and she was already in the street, preparing to shift into drive. Makes no sense at all.
Venice09 on 04/20/2010:
Good question, sherdy. Unless you have a circular driveway (and how many people have one of those?), how are you supposed to get out? The only way would be if you backed in, and that isn't always feasible and can be just as dangerous as backing out.
To the OP.. this sounds very frustrating for you, but I was wondering, is it possible that the other driver used her cell to call someone after she hit you and was not actually using it while she was driving? If she had time to start crying, then she also had time to dial the phone before you saw her.
jktshff1 on 04/20/2010:
Same in TN, you can back out.
When I had a manual shift it took me all of 2 or 3 seconds to go from reverse to 1st, could it be that, since the view is not obstructed, you just missed seeing the other car or thought you had time to beat them?
spiderman2 on 04/20/2010:
I don't know about it being illegal to back up out of your driveway but in an accident, a driver who is backing up is the at-fault driver. If you are in a parking lot back up accident with another car, the fault will be 50/50.
Venice09 on 04/20/2010:
When I back out of my driveway, I am momentarily stopped in the middle of the road while I shift from reverse to first. If someone ran into me while I was stopped, I would consider it their fault for not paying attention. Fortunately, this has never happened to me so I don't know how my insurance company (also State Farm) would deal with something like that.
MRM on 04/20/2010:
Venice, absolutely their fault.
Principissa on 04/20/2010:
It's not illegal here to back out of your driveway. And the way ours is set up, we couldn't turn around without hitting our house. The driveway is set on a hill so backing down isn't an option either, unless of course we want to hit our house.
I too agree that if this person was stopped, the other driver going "19 miles per hour" should have seen the car in the middle of the road and should have stopped. She didn't and she hit her. How is it this person's fault that chatty Kathy wasn't paying attention to the road and failed to see a stopped car in the middle of the street?
Venice09 on 04/20/2010:
I hope so, MRM. My house is situated at the end of a curve in the road, and I really can't see if any one is coming around that bend as I'm pulling out of my driveway. But they can certainly see me if I'm in the middle of the road. If I'm stopped, which I must do in order to shift into first, I don't see how it would be my fault.
jktshff1 on 04/20/2010:
It all depends on how far away the oncoming car was when you pulled out and we will never know that. Just because a car backs out in front of you and you hit it, doesn't make it your fault.
PepperElf on 04/20/2010:
exactly JKT
if you've been stopped there for say a minute then yes, she's at fault
but if you pull out, stop to change gears and within a second or to you're hit... (and you said she was only doing 19) that means you didn't see your way clear properly before pulling out.
Yes you want to blame her because of the cell phone
However if you pull out right in front of them, it won't matter if they're on a cell or not. If they can tell that a non-cell driver would have also have had the same accident, they don't hold the yapping against the driver.
Anonymous on 04/20/2010:
When you pull out of your drive way there is an implied 'yield' to oncoming traffic. If you get hit in the act of transitioning from the driveway to the road (right-of-way) then it's failure to yield the right-of-way.
The other driver may hold some responsibility for being inattentive and if paying closer attention MAY have been able to avoid the accident but that's speculation. However what's not speculation is that by the OP's own admission they were in the act of transitioning from the driveway to the road when the accident occurred. In that case the OP has the majority of fault since the OP failed to yield the right-of-way.
Sucks but that's pretty much how the cops, insurance companies and courts will see it. Truth is if your insurance company thought they had a reasonable chance to avoid paying the other driver's claim they would pursue it. Good review!
Venice09 on 04/20/2010:
But in my case, I can only see so much as I'm backing out. Someone could come around the bend in the two seconds it takes to shift and hit me if they're not paying attention. And there wouldn't be much I could due to get out of their way in time to avoid it. Hopefully, State Farm will see it that way if this ever happens to me.
skelly39 on 04/20/2010:
I'm trying to picture this accident in my head...so she hit your front or rear bumper? And if she hit you on the driver side, you were backing out from the left side of the road, correct? Then who entered whose lane of travel? Maybe I'm just reading this wrong.
Either way, the DOI generally does not get involved in decisions made by an insurer unless there was some egregious violation, I.e. they did no investigation at all. I'm surprised they got involved in yours.
Without knowing all the facts, I won't offer an opinion on fault, but I can tell you that State Farm will never change their assessment. They have the right to settle claims as they see fit, even if you don't agree with it.
PepperElf on 04/20/2010:
back when I was growing up there was an obstructed view - bushes on each side of the yard - so I got in the habit of backing up to the end of the driveway, and then stopping to look before going out into the road.
"We pay you."
Doesn't mean they're obliged to change their findings to match what you want them to be.
Anonymous on 04/20/2010:
The OP stated, "State Farm never returned my phone calls. We pay you. ". In that context the OP is correct. It is reasonable to expect a return call since indeed 'we pay you'.
PepperElf on 04/20/2010:
If I'm not mistaken they already gave him the answer.
I guess the question is... is calling them back repeatedly going to work
Soaring Consumer on 04/20/2010:
Who did the police report state was at fault?
Ytropious on 04/20/2010:
The way it sounds was yes, the other driver should have been more attentive and not hit you...BUT you still hold some responsibility for not seeing her and thinking "maybe I should wait until this car passes to back out". You must make absolutely sure there is no one coming, if you live on street with an obstructed view, this is still your fault to understand that traffic may come around a bend, they have the right of way, not you. While you feel it isn't at all your fault, had you waited, even if she was on her cell, this accident would not have happened. You are half at fault here.
Venice09 on 04/20/2010:
I assumed it was the OP's rear bumper that was hit. If that's true, I always thought that if you hit someone from behind, it's your fault because you are not in control of your car.
Actually, this whole scenario doesn't make much sense to me. There was no obstruction of view, and the street was not heavily trafficked. I can't imagine having to swerve and not being able to stop at 19 mph. At that speed, it makes me think that the OP saw the other car coming and thought she had enough time to back out and get out of the way. But if the other driver was not paying attention, for whatever reason, then she didn't have enough time to stop. If that's the case, I think they are both at fault.
royally pissed on 04/21/2010:
Again, I can see the street. There was nothing. My video shows the clear view. My camera was in the car of my neighbor. It wasn't planned, but it was perfect timing. Going 15 mph, you can clearly see me coming out, stop and take my car out of reverse. There's no disputing that. I instructed her to swerve when she approached my car and pull over, and there's no question that's how my rear end bumper and her front passenger panel was impacted. Again, it took about 5 seconds for me to get out of my car and go to her. Again, she was not looking for a phone or dialing a number. It takes more than 5 seconds to dial a number. She was already on the phone. The police didn't cite either of us. I don't think he wanted to get involved. She was already on the phone.
You don't pick up your car and place it where you want. It had to come to a stop. I'm mature enough not to force a car into something prematurely. I was stopped. I was already in the street. She should have been paying attention, but she wasn't. She was on the phone. She was a teen. Her priorities dictated to her that her cell phone was more important than having insurance. She lacked responsibility. If she lacked responsibility to have insurance, she lacked responsibility to operate a motor vehicle responsibly.
Cell phone accidents have caused so much destruction, they made April "No Phone Zone". Make your car a no phone zone.
I didn't cause this accident. I can see cars coming. She should have seen me in the street, had she been paying attention to the road instead of her phone. She was already on the phone.
Ytropious on 04/21/2010:
But if there was no one coming where in the world did this car magically come from? You just say it was clear so then HOW did this car come out of no where and hit you? It just doesn't make any sense.
Venice09 on 04/21/2010:
I agree with you that she wasn't paying attention, however, your reasons are strictly your opinion and not based on facts. Being a teen does not automatically mean she's irresponsible or that she was talking on the phone when she hit you. You just don't know if either of those things are true. You are making assumptions based on her being a teenager, which is not fair.
I am with you one hundred percent on the "No Phone Zone" issue. When I see people talking and driving, it makes me want to scream. But I have to tell you, I see just as many or more adults doing this than teens. It is not something exclusive to teenagers. It is illegal in my state but I don't know how much the law is enforced. In fact, I see more people talking on phones now than ever before. So I agree that this is a serious problem.
For the record, I can dial a phone in less than five seconds, and I'm not as quick as the average teen.
Venice09 on 04/21/2010:
Ytrop, that was my problem with this too when I read that there was no obstruction of view.
royally pissed on 04/22/2010:
You are both correct and I apologize, mostly. I feel horrifically violated. Yes, saying she was irresponsible because she was a teen was not fair. I was a teen once also. I was venting, but for someone to say I was at fault got my ire.
My point is her display of responsibility. She failed to see many contributory factors surrounding the scope of this unfortunate situation.
She made the conscious decision to pay a cell phone bill and not auto insurance for 5 months.
She made the conscious decision to drive while talking on the cell phone.
She made the conscious decision to not pay attention to her operation of a motor vehicle.
If she had age and maturity, and even one decent parent to exemplify responsibility (uh-oh, now I'm talking about her parents), she would have been more responsible macroscopically and this would not be a part of our realities, forever, whether she sees it as her "getting over" or her being given a second chance, a lesson.
The fact is, she was irresponsible. And I am not happy that I have to pay for her choices, that I'm paying for lesson..
My consolation: Maybe. Just maybe. This happened because it may have saved her life or someone's life next month, next year or the year after or the decade after. Maybe I'm God's conduit.
But it just recently happened last week and I need time. According to mandates, I have 3 years to come to terms.
Venice09 on 04/22/2010:
That's a great way to look at it, royally pissed. Thanks for coming back and sharing that with us.
I'm the parent of a teen who tends to be irresponsible despite all my efforts. I agree that sometimes it takes something to happen for someone to wake up. I really hope this incident made a lasting impression on the other driver, although I'm sorry it was at your expense.
former statefarm customer on 05/27/2010:
I know where you are coming from. I was sitting at a red light and a girl said she fell asleep and hit me from the back. Just so happens her insurance and mine are Statefarm. Guess what, since they can't get her to answer her phone or return their calls, they want me to file it on mine and pay my deductible. What a joke. You should do like I have done and turn them in to The State Board of Insurance.
twixypeps on 06/18/2010:
This deffinetly sounds like your fault, not the teen. You admitted you were not in drive, next time lie and say you were in 1st. and the person above this comment (former state farm customer)...you're viewing your claim wrong. they are not stating it's your fault, they just cannot get ahold of the other person so she can admit fault. when and if they do, they will get your deductible back for you. that's why you get full coverage and you choose your deductible on what you can afford.
Slimjim on 06/18/2010:
The problem here seems to be, by not being able to put your car in gear and move forward and out of the way before her car came to your drive, you basically were encroaching the other driver's right of way. Another driver's inability to avoid an accident due to lack of concentration doesn't make them at-fault if they wouldn't have been otherwise
MissJoy86 on 06/18/2010:
I can't think of a single state where someone who has backed into a major roadway & is subsequently struck by someone already on that roadway, would be considered anything BUT at fault. I know this is very upsetting to you & you have obviously put a lot of thought and time into your feelings expressed here, but the bottom line is - the young uninsured teen cell-phone vehicle had the right of way. The argument that she should have seen you & slowed down / avoided you just doesn't hold water - she was already traveling on the major roadway and established in her position, she had the right of way. Yes, it's unfortunate that she was uninsured and on her cell phone. But it's not a case of State Farm supporting her behavior - it's simply calling the situation what it is: an at-fault loss on your record.
royally pissed on 06/20/2010:
I believe what you fail to realize is that I was already out in the street, stopped, changing gears and got rear-ended. Your comment and belief simply does not hold water. She should have been more aware of her driving environment. It's called being a responsible driver. Talking on the cell phone is never a good idea when driving. Did you sign the "No Phone Zone Pledge"? Driving 19 mph should have given her enough response time.
raven2010 on 06/20/2010:
I think the problem is that the other driver's front passenger panel is dented---that appears to make it sounds as though you pulled out without looking and backed into her.
Other wise, how could the SIDE of her car be damaged? If it happened the way you say, I would think her front end would have damage, not the passenger side. And if she swerved, would still be a corner of her front end, not the side of her car.
Anonymous on 06/20/2010:
If she was only going 19 mph she should have had plenty of time to avoid your vehicle, had she been alert.I'm with you, royally pissed.
PepperElf on 06/20/2010:
ohhh the other car was damaged on the SIDE
that indeed changes things. if she hit you from behind what was she doing, driving sideways?
but yeah it sounds like you didn't see your way clear before pulling out.
I did something like that last month. I pulled out of the parking lot and suddenly heard a horn.
there was a car RIGHT behind me. I could have sworn the road was clear before I pulled out but as it goes... I was wrong. there had been a car there and I basically cut it off.
no accident but if there had been, I would have been in the wrong.
and the phone.. MAYBE but ... all the phone changes is whether or not she could have defended herself against YOU backing out without fully seeing your way clear
royally pissed on 06/21/2010:
She swerved. She tried to avoid me when she realized she was directly behind me. So, yes, my driver's side bumper was hit and her passenger side front panel was. She tried to swerve, didn't swerve enough and in time because she was not paying attention. I recreated a video that clearly proves how her passenger side and my driver's side was damaged. I did not cause this accident, again! Just use your imagination and see it. She was directly behind me when she saw me, swerved, didn't swerve enough, clipped her front passenger side and my driver's side. Again, I wasn't moving. Read my first message. I've been living here for years. She has just become a legal driver, but at 16. My view wasn't blocked. I have never had an accident in my life. This isn't a busy street. I could see. There was no obstruction of view. The damage to the cars proves nothing except she wasn't paying attention to her environment. Going 19 mph would have given her ample time to stop. She was on the phone, apparently being coached. She had just taken her test! At 16! Be real. I didn't cause this.
MissJoy86 on 06/21/2010:
So...the moral of the story is, drive however the heck you want & others had better steer clear, but if they hit you because you pull out in front of them without enough time to clear the area, it's their fault. I get it...
...not really.
And by saying you were 'already' out in the street, stopped, changing gears... it doesn't mean anything other than you were where you didn't belong at that moment. Just because your car is stopped in the middle of a roadway doesn't grant you the right of way! I guarantee you if I pulled out (genuinely not seeing you there behind me) and you didn't have time to avoid me or stop, you would have been flabbergasted if I had blamed you.
Anonymous on 06/21/2010:
Sounds like you took the right of way from oncoming traffic.
I bet you received an impeeding traffic citation with the box check which indicates that you caused an accident as well. Am I correct?
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Pathetic Excuses To Not Repair Car
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CHATTANOOGA, TENNESSEE -- I was involved in a 3 car accident. I was sitting at a red light waiting to turn left onto a 5 lane road (counting turn lane). As I waited a red Honda Passport was at my right waiting to turn into the complex I was coming out of. A 1979 Ford truck was coming from my left. They both had green lights, the Honda decided he could make it and DID NOT! His tires had no tread and the truck hit him and that slammed him into me. We had just left State Farm Insurance after over 30 years because of 2 claims that were not our fault but were handled poorly( ill explain after this). They got our car to the body shop. The trucks occupants went by ambulance to hospital. The passport was OK. My back started hurting but I did not go, I went to drive a couple of days later. They start puling my car apart and after fighting about the glass that flew at me and damaged my windshield then glass flew all over my cars drivers side and scrubbed the top of the car. There were 2 places on the roof that were damaged and they said they would fix. We found more scrapes on the drivers side of my car from the glass. They told me at first they would paint the top then after having someone come look at the car again changed their minds because they said my car had been painted before and the spots were not damage from wreck but paint plume. Something of that nature they say was a bad paint job and starts at the bottom were the metal is and just pops up.
I told the girl I'm dealing with there were no problems before especially on the sides where you could see glass had hit and slid down the sides. They "changed" their minds and were now not going to fix it. I told her that in no way am I accepting the car and she told me to get out of their rental. I said fine. We left them before this because of a flood. We bought a car and had it 1 month to the day and it was totaled in a flood. There were many cars in our complex totaled and they instead of towing them to the auto makers were going to a field and would have "experts" from each make come look at the cars and decide what's wrong. They called and said our car needed new carpet and that's it. I asked them if they knew it went to the field on a tow truck, they said yes, I said don't you think a car that just needed carpet wouldn't have to be towed in?
After that they sent it to Mercedes which said if we wanted to strip it completely and start over they would build me a new one. They then tried to price it by comparing cars with 90 to 160000 more miles on it than ours. They are a crappy company. I'm glad we left and wish we had done it sooner!
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Soaring Consumer on 03/27/2009:
I suggest that you contact your state's insurance board and the National Insurance Crime Bureau, and inform them of the situation. They may be able to help you with this.
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Unfair Claim Settlement Practices
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READING, PENNSYLVANIA -- I'm a retired insurance law instructor in Pennsylvania who now consults for local general contractors on insurance related matters. I attempted to contact several people here directly but emails bounce back, so I'm posting this for everyone to use...
Even though State Farm is licensed to sell insurance in all states, there is no Federal regulatory agency to oversee insurance companies. Individual State Insurance Commissions have done a very good job overall, however whenever the government is involved there always exists the possibility of a laissez-faire attitude.
Contact your state insurance commission about the claim and use some phrases that only an "insider" would know. The only way to stop the consumer abuse by State Farm, Allstate, Travelers and others is a massive number of consumers complaining to the right people. Individual complaints are investigated, massive complaints cause the insurance company to be investigated.
"Insurance is designed to restore the insured to the position he held prior to the loss"
"There are 12 mandatory provisions in an insurance contract" (according to listed complaints, SF consistently violates at least 2)
"Unfair Claim Settlement Practices" is what SF is guilty of. (This is a SERIOUS violation of state insurance regulations)
If you believe that your state insurance commission is "less than effective" I strongly recommend you file your complaint by Certified mail Return Receipt and copy the governor as he usually appoints the commissioner.
Send a copy to the largest newspapers and local TV news stations for coverage, usually they have a consumer watchdog. SF hides behind anonymity, it's almost impossible to get a mailing address or the real name of anyone who works in their claims department or a supervisor. Everyone apparently only has first names, and they disconnect your call when the questioning becomes too hot for them.
Last time I asked for a supervisor, I was put on hold for 15 minutes only to be told that "he's going into a meeting, but will call you back." That was 2 weeks ago, still no return call, must be one hell of a meeting.
[snip] , the CEO promised shareholders 2 years ago that SF would never lose money [on claims] again. He's also the 3rd member of his family to hold that position. His family has controlled State Farm since 1954. Is it any wonder they don't give a damn about the consumer? This sounds more like a Monarchy than Corporate America.
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Combining a Lycra sleeve under a short cuff is the most comfortable solution to keep hands warm with a great feeling of soft wrapping. In addition, the Lycra cuff slides easily under the jacket sleeve to ensure warmth and avoid bulky sensations due to multilayers.
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The Johns Hopkins Hospital ranked #1 in the nation in 2013 and is the only hospital in history to be ranked #1 for 21 years in a row by U.S. News & World Report.
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Pictures / Videos
Sound experiment with the Hector-Peterson-Schule, Berlin-Kreuzberg, Berlin musicians and the composer Alexandra Holtsch
Commissioned by the Deutsche Oper Berlin
|Conductor, Stage Director
|Alexandra Holtsch
|Set design; Costume design
|David Reuter
|Costume design
|Sabine Hilscher
|Josep Caballero
|Katharina Loock
|Michaela Schlagenwerth
In a school everyone assumes they know a lot about the people around them. The grown-ups in particular reckon they have their young charges pretty well sized up. But what happens when we all step out of our familiar roles and sally forth together, avoiding the beaten paths of mutual categorisations? And so a plan is hatched. Pupils, teachers, parents and other staff associated with the Hector-Peterson-Schule in the Berlin borough of Kreuzberg set off with Berlin musicians and the Deutsche Oper Berlin on a musical adventure. In place of luggage and food our intrepid participants have their musical culture and experiences. Traditional folksongs, hip hop, new and classical music, dub step… how's that all going to fit together? A group of artists and composer/director Alexandra Holtsch will spend a time in the school and opera house soaking up the music of the various project participants. The project will culminate in an evening performance reflecting the diverse musical influences encountered.


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text: 5 the return of a classicsparky356781 | 25/11/2010 | See all sparky356781's reviews (7)i had this on the snes and it was brilliant then and it will be brilliant now. i have been saying for ages that they should re-release this series because it was such a sucsess back in the late 80,s and 90,s. if your like me and this game is a nostalgic trip down memory lane, or if you enjoyed the new super mario game you will love this, and at such a fantastic price (as you alwys get with play) make sure you buy this game. its great for youngsters or seious gamers. i,ve pre ordered mine and can't wait to get my hands on it. BUY THIS GAME!


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Fresh Affairs142 Reviews
fabulous florals. memorable events.
Raleigh, NC | 919-954-0808
Fresh Affairs specializes in floral and event design for weddings in the Triangle, Raleigh, Durham, Chapel Hill area in North Carolina and beyond....(more)
MEWS-Designs44 Reviews
Raleigh, NC | 919-368-8662
Thank you for visiting MEWS Designs! We specialize in weddings and events only so we can give you our undivided attention. We serve the Raleigh/...(more)
Expressions of Love Florist101 Reviews
Autograph your work with EXCELLENCE!
Fuquay Varina, NC | 919-552-4512
We are a full service florist shop located in the Shoppes at Lakestone in Fuquay Varina, just south of Raleigh, NC. Winner of the 2013 ISES...(more)
Contact Us Website
We'll give you a FREE throw-away bouquet that will be similar to your bridal bouquet but smaller and handtied!
Timeless Flowers Etc., Inc.42 Reviews
Doral, FL | 954-578-4880
The Art of Floral Preservation... Timeless Flowers we do not want to create just another keepsake, we want you to fall in love with it. Our goal...(more)
Contact Us Website
Expires: Jan 01, 2015
All brides with wedding dates from November 20, 2014 through December 31, 2014 will receive a $50 discount from their total bouquet preservation keepsake. Discount will be applied to deposit required at registration time. Discount applicable per bouquet.
Grace Flower Shop14 Reviews
High Point, NC | 336-889-4211
At Grace we are dedicated to making your wedding day unforgettable. Using only the highest quality flowers at a price you can afford. Serving all...(more)
Floral Dimensions32 Reviews
Award-Wedding Florals & Invitations
Durham, NC | 919-493-1593
Creative. Stylish. Trendy. Dedicated. That is who we are. Our focus is on artfully creating an atmosphere which reflects your unique style. We keep...(more)
Amy Lynne Originals, LLC31 Reviews
Specialty Flowers for Special Occasions
Winston Salem, NC | 336-287-3459
Amy Lynne Originals is a special events florist located in downtown Winston-Salem, NC. We take a fresh approach to each order by finding...(more)
The English Garden115 Reviews
Raleigh, NC | 919-341-6650
The English Garden Florist is a full-service retail florist, gift shop and floral event provider. The English Garden brings a number of unique...(more)
Rebecca's Silver Rose66 Reviews
Raleigh, NC | 405-570-2838
Rebecca's Silver Rose has been in business since 2006. In 2014 we moved from Oklahoma City to Raleigh, we are look forward to serving brides in the...(more)
Flowers on Broad Street57 Reviews
Fuquay Varina, NC
Flowers are such a significant and personal part of the perfect wedding. Our experienced team will work with you to create your vision and bring...(more)
Flowers By Gary26 Reviews
distinctive designs for discriminating tastes
Durham, NC | 919-471-1566
Led by an award winning, NC Certified Professional Florist. With an array of unique, creative skills, and over 25 years of experience in the floral...(more)
Sophisticated Florals by Stephanie6 Reviews
Unique Florals for That Special Moment in Life
Winston Salem, NC | 336-816-2852
At Sophisticated Florals by Stephanie we are here to make your special day magical. We love flowers, especially the newest varieites on the market...(more)
Tre Bella Inc26 Reviews
Durham, NC | 919-323-7167
Growing up the Price sisters loved playing dress up. With multiple outfit changes and plays with elaborate costumes it was hours of endless...(more)
North Raleigh Florist11 Reviews
Raleigh, NC | 919-847-3381
Full-service florist specializing in fabulous containers with elaborate designs for any occasion with the latest trends in floral design ...(more)
Beverly's of Midway Flowers and Gifts48 Reviews
New Ideas with Old Fashion Service.
Winston Salem, NC | 336-764-1091
Beverly's of Midway is committed to making your wedding day as special as possible. The size of our shop enables us to give you, the bride, the...(more)
Teacup Floral61 Reviews
Raleigh, NC | 919-307-6420
Congratulations on your Engagement! From consultation through delivery, Teacup Floral provides a boutique style experience. Unlike many...(more)
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Upon booking your wedding with Teacup Floral, you will receive credit for a free throwing bouquet - your choice of fresh flowers or candy.
Brides & Bouquets63 Reviews
"Your Complete Source for Wedding Flowers in the Triangle"
Cary, NC | 919-465-1820
Brides & Bouquets, is recognized as one of triangles premiere floral studios specializing in the creation of unique and personalized weddings...(more)
Eliana Nunes Floral Design35 Reviews
Creativity and Experience to Bring your Vision to Life
Winston Salem, NC | 336-764-4300
We believe your wedding flowers should express your personality and create an ambiance that you and your guests will never forget. We understand...(more)
Embellished Blooms46 Reviews
Raleigh, NC | 919-346-4811
At Embellished Blooms we highlight organically styled, lush flowers with distinctive textural components. Each event is seen as a blank canvas to...(more)
Springwell Gardens22 Reviews
Cary, NC | 919-612-5606
Located near Raleigh, NC, Springwell Gardens is a floral design studio where there's always something blooming! Wonderful, fresh from the garden...(more)
Sedgefield Florist148 Reviews
Elegant and Affordable Weddings
Greensboro, NC | 336-299-5810
At Sedgefield Florist, we strive to take the stress out of your wedding for you. I will tell you in the first minute of our consultation that: 1. I...(more)


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Posts Tagged 'Legambiente'
Lace 'Em Up and Move 'Em Out: It's Earth Day!
Categories: Boots On The Ground: Service Stories, Boots With Roots: Tree Planting, Making Our Difference: TBL CSR, Who We Are, What We Do: TBL Culture & People
Okay – so technically Earth Day isn't until April 22, but why wait? We're an outdoors brand that cares an awful lot about the environment (it is, after all, our playground), and we're headed out a few days early to give it some extra TLC.
If you're thinking that Earth Day service isn't for you because it's too unsavory (think smelly roadside trash pickup) or too episodic (you clean up smelly roadside trash today, only to find more in its place tomorrow), here are some examples of the kinds of things our Timberland team around the globe will be doing this week – and month – to celebrate Earth Day and support the notion of environmental sustainability:
- Getting rid of bad seeds: At Pasir Ris Park in Singapore, volunteers from Timberland's Asian Headquarters will remove invasive species, including Pong Pong fruits and ferns, to help preserve an area of mangrove trees.
- Educating future environmentalists: In Milan Italy, Timberland volunteers will partner with Legambiente to teach 200+ children about the importance of respecting the environment. The students will have an opportunity to put learning into practice as they remove graffiti, plant trees and create a botanical garden.
- Making greater use of the great outdoors: In a local community in our own home state of New Hampshire, volunteers will help to transform overgrown and under-utilized conservation land into a public park with areas for playing and picnicing, as well as a trail network.
And, we're spreading the love. This is Timberland's first Earth Day as a member of the VF Corporation family, and we're beyond excited to have several of our "siblings" joining in our longstanding tradition of community service. San Francisco-area employees from The North Face, JanSport and lucy will be volunteering this week for the Alameda Point Collaborative, an organization that provides transitional housing for formerly homeless people and families. And further south, our colleagues at Vans, Reef and Eagle Creek are planning their own Earth Day service celebrations as well.
All told, we've got more than 3,500 volunteers doing their part to revitalize nearly 150 communities around the world. That's a lot of boots on the ground doing a lot of good hard work for our dear Mother Earth.
Stay tuned! We'll be sharing photos, video and Earth Day event recaps here on the Bootmakers Blog. Want to get in on the action? Visit Earth Day Network's website to find out about Earth Day events in your area.


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co-co wrote:Hi, as holder do I get a bye through to the finals as in the real world cup; only kidding, put me down for lower Egypt again; I am look forward to another great competition. Good luck all.
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- Product Description
- Customer Reviews
Product Description
The Arai XD-4 is the replacement for the XD-3. The latest in dual-sport technology, the XD-4 is Snell M2010 rated, light weight and has better aerodynamics, airflow and a fit than its predecessor. The Arai XD-4 is a good choice for the adventure rider who wants a high performance hybrid helmet.
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Despite having failed to score a single point, Valtteri Bottas says he's "more or less happy" with the start of his rookie season.
Bottas made the step up to race driver with Williams this season with much expected of the talented Finn.
However, his efforts have been largely undone by Williams FW35, which has proven to be difficult to drive and woefully off the pace.
As such neither Bottas nor his team-mate Pastor Maldonado has secured a single Championship point with their best results P11s.
"Personally, I'm more or less happy with what I've done. When you look back there are always things you could have done better," Bottas told PA.
"But it's not been a bad start. Some of the good things I am doing in the car are difficult to see from the outside.
"I've got positive feedback from the team, and pace wise I'm matching Pastor. We've been very close this season.
"So for a rookie year it's been good, but I know there is more to come and I'm learning more and more."
And the 23-year-old is confident that with hard work Williams can resolve their issues and maybe even nab their first point of the season in Monaco.
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Intervention: (S01.Ep.04) Alissa & Brian DVD
Sale Price: $19.99
To Order by Phone Call 1-800-344-6336
- Additional Details
- Format: Color, DVD-Video, NTSC
- Rating: Not Rated
- Number of Discs: 1
- Run Time: 50 Minutes
- Region: Region 1
- Aspect Ratio: 1.33:1
- Language: English
- Studio: A&E Home Video
- DVD Release Date: March 27, 2005
A woman squanders a fortune a coin at a time playing the quarter slots.
- Reality TV at its most unvarnished and gripping.
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- A crystal meth addict finds that one habit fuels another.
In INTERVENTION, people confront their darkest demons and seek a route to redemption. From compulsive gamblers to shopaholics, drug addicts to young people estranged from their families, INTERVENTION features real people at the breaking point as they are confronted by friends and family. In fly-on-the-wall style, INTERVENTION captures the drama as people grapple with their demons in an attempt to chart a course to recovery.
In this episode, parents and friends intervene to save Alissa, a compulsive gambler who has lost more than $30,000 on 25-cent slots. Meanwhile, her boyfriend juggles three jobs just to make ends meet for them. Then we meet Brian, whose crystal meth habit feeds his sex addiction and sends him trolling the streets for new partners every day.


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PowerPoint presentations work like slide shows. To convey a message or a story, you break it down into slides. Think of each slide as a blank canvas for the pictures, words, and shapes that will help you build your story.
When you open PowerPoint, you'll see some built-in themes. A theme is a slide design that contains matching colors (theme colors: A set of colors that is used in a file. Theme colors, theme fonts, and theme effects compose a theme.), fonts (theme fonts: A set of major and minor fonts that is applied to a file. Theme fonts, theme colors, and theme effects compose a theme.), and special effects (theme effects: A set of visual attributes that is applied to elements in a file. Theme effects, theme colors, and theme fonts compose a theme.) like shadows, reflections, and more.
Read more: Apply color and design to my slides (theme)
On the Home tab, click New Slide, and pick a slide layout.
Read more: Add, rearrange, and delete slides.
Tip Save your work as you go. Hit Ctrl+S often.
Read more: Save your presentation
Click inside a text placeholder, and begin typing.
Read more:
Tip To create a perfect square or circle (or constrain the dimensions of other shapes), press and hold Shift while you drag.
Read more: Add shapes.
On the Insert tab, do one of the following:
For example, type 'Cats' in the Office.com Clip Art search box.
Here's a sample of the cat pictures you'll see:
Read more: Insert a picture
Slides are best when you don't cram in too much information. You can put helpful facts and notes in the speaker notes, and refer to them as you present.
Read more: Add speaker notes to each slide in a presentation
Read more: Print slides with or without speaker notes.
On the Slide Show tab, do one of the following:
Tip For information about viewing your notes as you give your presentation without the audience seeing them, see Use Presenter view to deliver your slide show.
To get out of Slide Show view at any time, on the keyboard, press Esc.


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This model has all of the same great safety features as the Lava 2G Patio Heaters, like the safety tilt switch which disables the unit if it tilts or falls, and steel grills that are safe to touch and keep you at a safe distance from the flame. Some attractive bonus features of the Lava Heat Italia LL KD Patio Heater-LP-Heritage Bronze are the chrome reflectors at each inner corner of the unit. These enrich the flame by scattering the light and adding an ambient radiance.
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Constructed from 304 stainless steel with a powder coat finish, the Lava Heat Italia LL KD Patio Heater-LP-Heritage Bronze comes as a standard propane unit, and can burn up to 10 hours on a 20 lb. tank. This model comes disassembled, to allow for more affordable shipping costs and convenient transportation, and the manual ignition makes it easy to operate.


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What does BEA mean in General?
This page is about the meanings of the acronym/abbreviation/shorthand BEA in the Business field in general and in the General terminology in particular.
Find a translation for BEA in other languages:
Select another language:
What does BEA mean?
- Bea
- Bea, is a fictional character in the UK comic strip Dennis the Menace and Gnasher, from The Beano. She is Dennis' baby sister, born in issue 2931, dated 19 September 1998.
Discuss this BEA abbreviation with the community:
Use the citation below to add this abbreviation to your bibliography:
"BEA." Abbreviations.com. STANDS4 LLC, 2014. Web. 25 Dec. 2014. <http://www.abbreviations.com/term/306462>.
BEA also stands for:
- Baseline Environmental Assessment
- Best Evaluator Award (Toastmasters)
- Bill Coleman, Ed Scott, and Alfred Chuang
- Bill Edward Alfred
- Bloc d'Estudiants Agermanats Beac bomba explosiva de aire-combustible
... and 12 more »
Nearby & related abbreviations:
Alternative search:
- Search Bureau of Economic Analysis on Amazon.com
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Ken Burns' The War (Hardcover)
Sale Price: $50.00
Additional 10% off for History Club Members. Join Now
To Order by Phone Call 1-800-933-6249
Hold in your hands - and browse at your leisure - this extravagantly illustrated account of WWII as told in the voices of ordinary citizens and soldiers.
- Written by Burns and his long-time collaborator, historian Geoffrey C. Ward.
- Enriched by many maps and nearly 400 compelling photographs, many never published before.
- 480-page companion book to Ken Burns' epic THE WAR.
This beautiful book, created as a companion to Ken Burns' magnificent documentary series THE WAR, stands on its own as a deeply compelling account of the American experience of WWII.
The vivid voices that speak from these pages are not those of historians or scholars. They are the voices of ordinary men and women who experienced - and helped to win - the most devastating war in history, in which between 50 and 60 million lives were lost.
Focusing on the citizens of four towns - Luverne, Minnesota; Sacramento, California; Waterbury, Connecticut; and Mobile, Alabama - The War follows more than forty people from 1941 to 1945. Woven largely from their memories, the compelling, unflinching narrative unfolds month by bloody month, with the outcome always in doubt. All the iconic events are here, from Pearl Harbor to the liberation of the concentration camps, but we also move among prisoners of war and Japanese American internees, defense workers and schoolchildren, and families who struggled simply to stay together while their men were shipped off to Europe, the Pacific, and North Africa.
You will turn to this marvelous book time and time again, reliving the daily lives of Americans immersed in WWII. The War is destined to become a classic and makes an important addition to any library.


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2015 could be it
We could finally put a lid on carbon from dirty power plants, stop Keystone, and unleash a wave of new solar and wind power. Make 2015 a year of action on global warming.
Through Environment America, thousands of citizen members are teaming up with a professional staff to stand up for the places we love and the environmental values we share.
Join us in taking action for America's environment.


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You can reach people in your community for days at a time by simply setting up a PH display in a central location. With a little time and help from friends and PHA, you can make a big impact.
You can set up a table just about anywhere in your community. Possible locations for tabling include:
PHA has a lot of free materials for you to share! Order here
Educating your community is more fun and effective in a group! PHA can help you find a local support group to help you with your tabling efforts. You can also enlist the help of family, friends and neighbors.
For a temporary display, you can find easy-to-use, three-panel display boards at any Staples or Office Depot retailer. You can attach PHA's posters and information sheets to the panels and present brochures and other materials for people to take home with them on the table.
For a permanent display, staple flyers on cork boards and message boards at super markets, gyms, schools, and community centers. You can also place free announcements on community newspaper calendars, bulletin boards, and websites.
Send a photo of your display with a description including the date and location of the event to email@example.com.
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Colleen Schnell set up exhibits at two of her local hospitals!
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The National Organization for Rare Disorders (NORD) awarded PHA the Abbey S. Meyers Leadership Award in 2012 for outstanding service to PHA members in advocacy, education and other key areas.


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The health professions take center stage at the University of Minnesota's Academic Health Center (AHC), where students learn from some of the world's top health scientists and practitioners. The AHC comprises most health-related units at the University, including the School of Dentistry, Medical School, School of Nursing, College of Pharmacy, School of Public Health, and College of Veterinary Medicine.
AHC researchers are known for many firsts, from open-heart surgery and cardiovascular devices to stem cell therapy, the health benefits of the Mediterranean diet, and pioneering AIDS drugs. Patients at the University's clinics receive care from some of the best practitioners in their specialties.