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  #16  
Old 12-01-2018, 05:56 PM
scootertrash scootertrash is offline
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6 weeks after the crash and State farm is a Dud. Their websight that they make you sign up to does not work. They give you a phony Email address that is not monitored. We have sent the Supplement in from several different sources, still no reply. If they are called the canned response is "We can't help you, until we get an update".
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  #17  
Old 01-21-2019, 10:21 PM
scootertrash scootertrash is offline
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After 4 months, State Farm finally came up with a check! Or at least Foremost says it is in the mail. The woman at State Farm actually told me a 1972 car wasn't worth fixing and I should be happy to get anything. I finally turned it over to my insurance and they worked with the body shop. I was fortunate to have some recent pictures of the car, Before the accident. And several before work began.
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  #18  
Old 01-22-2019, 11:28 AM
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Quote:
Originally Posted by gbrinehart View Post
Just for clarification in case others are considering Hagerty insurance. An enclosed garage IS required in Texas. As Rushgator stated, requirements vary by State.

Barry, actually that has recently changed. As in changed within the last six months. While they prefer a fully enclosed locked garage, they will now insure a vehicle stored in a carport. However, it does affect the rate, and they still do not allow outside storage on the gulf coast for obvious reasons. They're steadily loosening up guidelines to get more business.
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  #19  
Old 06-02-2019, 08:06 PM
scootertrash scootertrash is offline
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I got another letter from State Farm, after 7 months. They still won't pay.
My insurance paid. I'm out my deductible and my rates went up, because I had my first claim ever. And they devalued my car by the amount they paid for the repair!
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  #20  
Old 06-02-2019, 09:48 PM
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I would think hail damage would be enough reason to have a garage in Texas/Oklahoma.
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  #21  
Old 06-10-2019, 11:40 PM
cyberray cyberray is offline
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Quote:
Originally Posted by scootertrash View Post
I got another letter from State Farm, after 7 months. They still won't pay.
My insurance paid. I'm out my deductible and my rates went up, because I had my first claim ever. And they devalued my car by the amount they paid for the repair!
your insurance company won't act as your subrogation agent to get your money back from State Farm? sounds like time to find a new insurance company. sure am glad I have USAA
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  #22  
Old 06-11-2019, 08:58 AM
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Quote:
Originally Posted by cyberray View Post
your insurance company won't act as your subrogation agent to get your money back from State Farm? sounds like time to find a new insurance company. sure am glad I have USAA
Agreed. And if the accident was deemed not at fault on your part, your rates should not have increased, with the exception that if you had a claims free discount, you may have lost that. I would first check with them and make sure your claims history is showing correctly and that you are not incorrectly tagged with an at fault accident. And then, once you have made sure everything is correct on your claims history, start shopping for insurance. They shouldn't be devaluing by the repair amount. I honestly have never heard of such a thing unless you have not yet repaired it. And I've been in the insurance business 20+ years. I'd check out Hagerty and/or Grundy to start.
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  #23  
Old 06-11-2019, 11:10 PM
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kurt,
check the laws in your state for insurance regulatory agencies and what their fiduciary duties are to you. you may also want to check your insurance binder (which is a contract) for what Foremost was supposed to do for you as their customer. you may have a valid complaint about being treated the way they have you. I'm not saying you'll get satisfaction but if you can make life hell for them and have someone breathing down their necks.......

as rushgator can tell you, if they've screwed up your records you may have a hard time getting your record fixed later because all the companies share data thru an industry claims database. I'm not sure what questions to ask that would keep them honest and on their toes, you'd have to ask Rushgator.
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  #24  
Old 06-12-2019, 09:15 AM
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You have the right to ask for a copy of your claims history. In the industry, it's called a "loss run". I'd ask for that so that you can review it for accuracy and make sure they're not charging you for an at fault accident. The rate increase makes me suspicious. And as cyberray stated, the earlier an inaccuracy is found, the easier it is to fix. Foremost is much more likely to correct a mistake while you're still a customer. If you cancel and then ask them to correct something, they may do it, but they will not be in much of a hurry to do so.
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  #25  
Old 06-17-2019, 06:19 PM
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I believe I would be contacting the state insurance commission, with all documentation and details explaining how this has been handled or mis handled.If you cash their check they are off the hook.

My 2 cents,Mike

Last edited by Mike Zeigler; 06-17-2019 at 06:20 PM. Reason: kant spell
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  #26  
Old 11-14-2019, 07:49 AM
MrSandman MrSandman is offline
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Well, it really sucks, when your insurance agency treats you like that. I had a same problem like 4 years ago. I've had enough of this kind of a treatment, and I asked my friend Dave what to do. He gave me this link https://www.americaninsurance.com/. And now I have a fine insurance. No bad treatment, good prices, etc. Just do it. This is better than waiting 6 weeks for an answer. I don't think that State Farm is the only option for you. And another thing - I wish you good luck with taking your money back.
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  #27  
Old 11-15-2019, 03:49 AM
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I am an Agent with Farmers, from all your comments looks like you like JC Taylor other than them not having a local adjuster? Seems to be a common theme with some of the smaller insurance carriers that write "classic" car insurance. Even though I work for Farmers, have been with American Modern Home with all 5 of my "classic's" for over 30 years, great price and service, only had one claim in that time which was a broken windshield which I had replaced that I paid for and got reimbursed by American fully after the fact.

Where is the guy who hit you? Why are you dealing with so much crap from State Farm in stead of telling him that he needs to pay up? You did not select his insurance so that should be his problem, not yours.

Just my $.02
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  #28  
Old 11-15-2019, 05:52 AM
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GRUNDY!!!! Check them out. Sue his insurance for at least your deductable.

Last edited by Nicks 1984 elcamino; 11-15-2019 at 06:02 AM.
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  #29  
Old 11-15-2019, 09:00 AM
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I had a similar issue years ago. My insurance paid me for the damage, and it took Geico 2 yrs to pay back my insurance co, so I could get "part" of my deductible back. At least in my state, the insurance co has 2 years to settle, and they will take all of it if your insurance company has already paid. Guess they figure it's just Company to Company at that point, and sort of a "professional" arrangement between companies.
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  #30  
Old 11-15-2019, 09:03 AM
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As for insurance companies, I recently went through looking at a bunch of them, and settled on American Classic Insurance. They provide Agreed Value, and have policies that will allow lots of mileage ( Freedom Plan) if you need that. If you are retired, they do not require a daily driver for all users in the household.
Another one I liked was Corvette Museum Insurance. Probably the best prices, if you have enough Daily Driver cars.
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