Worst State Farm Tricks Exposed!

In this video, Ryan McKeen exposes five dirty tricks commonly used by State Farm insurance company. First, they avoid returning calls to frustrate claimants and make them give up. Second, they may offer a small amount of money and pressure claimants to sign a release, giving up future claims. Third, they delay providing rental cars or assistance by falsely claiming they need to speak to their insured. Fourth, they act friendly to gain trust and prevent claimants from understanding their rights. Lastly, they request unnecessary medical records to use against claimants. Beware of these tactics and know your rights when dealing with State Farm.

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[NMKnuckleHead]

I was rear ended by a Snake Farm client. I was transported to the hospital by ambulance with severe neck pain (extreme whiplash). Snake Farm never called. One month later, my insurance filed a claim on my behalf with Snake Farm (that is how long it took to get an accident report from my local police department). Snake Farm sent me an email stating that no evidence existed that they (Snake Farm) are responsible for paying the claim, they can't get in touch with the insured, with out a police report they couldn't do anything, blah blah blah blah. I sent by email a copy of the police report. One week later, I get an email stating that yes Snake Farm is going to pay the claim (still waiting). After some more delays, I hired an attorney. Two weeks after I hired the attorney, Snake Farm called me on Black Friday to try to settle the case for less than $1, 000. Now, why would Snake Farm contact me directly AFTER I hired an attorney? (rhetorical question :D )

[debhay]

My Husband and I have had State Farm for 35 years. No one else can beat the price we have with them. We never had anything like you were talking about happen to us. It must just be your area. Either that or you're the competition. All 4 of our claims had the paperwork. and check that same day.

[Sade]

Funny, lawyers always talk about injury claims but never PD🤔

[mikebavoso]

He is absolutely correct. I had a 1.3 million dollar claim and they wouldn't pay. They ran me around in circles with 36 adjusters, but the State of California fixed their wagon.

[j.s.]

I had a situation where I was hit that totaled my car, we both had state farm. They're settlement seemed fair at the time and was given a rental, unfortunately this was at the exact time dealers were experiencing used car shortages and had trouble finding a suitable replacement. The insurance company said I had to turn in the rental and I fought them to extend until I found a replacement and they did twice but only for a few extra days each time. Well I ended up without out a car for 2 months because I was not satisfied with used car prices going through the roof and ended up with a new car that far exceeded the settlement price...next time I will lawyer up.

[princeofwaldo]

If getting other drivers to sign a release saves you dollars on your premium, why would you complain? State Farm takes pretty good care of their customers, --their reluctance to pay claims to non-customers is their fiduciary duty to those insured by State Farm. The rest of it, not returning calls etc. is hardly limited to State Farm. Try getting hit by someone insured by All-State sometime and get a taste for how bad it can really get.

[shaunspellman]

wow.... I've been with them for 20+ years as when I first started driving and needed a company; they were the only ones to accept me! I did recently told them I was going to call "the General" to see what low rates "he" could offer me as these rates are rediculosly high!!! I've been offered the "Drive safe and save device" from SF!!! For a lower rate of course. Haven't set it up yet!!!

[Scubaman]

The saddest thing is, State Farm is 10X better than American Family.

[dougjohnson]

I am a Snake farm customer. I was T boned by a underinsured motorist. The Snakes at the Farm lowballed my vehicles value. They listed such things as the tires having 46% of tread left when they were brand new with 300 miles on them. My vehicle was 6 years old with only 16, 800 miles and their comparables all had nearly 100, 000 miles on them they said the 84, 000 mile difference was worth $500 what a joke that is. A bunch of snakes for sure. Personal injury is a whole other subject with the foot dragging on the Farms side. The rental car was a joke, the Snakes had not even looked at my vehicle to determine if it was totaled or repairable before the rental car coverage ran out. They screw over their own customers at The Farm.

[crazyburkey]

Like most all insurance companies, you pay, they don't

[Booth]

Its not that they don't want to return calls, they dont have enough staff to handle the untenable workload that each claim handler is tasked with.

[Mindfulmaven]

Apparently in Michigan they can do whatever they want. We had to sign release forms, per our attorney against Snake Farm.

[lwing]

Some people just don’t understand how to file a claim and work with their agent

[MichaelSmith-lmsl]

The video titled "Worst State Farm Tricks Exposed!" by Connecticut Trial Firm: Connecticut Injury Lawyers outlines several tactics used by State Farm insurance that the presenter, attorney Ryan McKeen, considers unethical. These tactics are purportedly designed to minimize the company's payouts on claims. Here's a summary of the "dirty tricks" mentioned:

Ignoring Calls: State Farm allegedly avoids returning calls to frustrate claimants, hoping they'll give up pursuing their claims due to a lack of response.

Quick, Low Settlement Offers: The company is accused of quickly offering a small settlement amount to claimants, pushing them to sign a release before they fully understand the extent of their injuries or damages, which could potentially be worth much more.

Delaying Claims: State Farm reportedly claims they need to speak with their insured before proceeding with certain actions like authorizing rental cars, even when fault seems clear, as a tactic to delay the claim process.

Feigning Friendship: Adjusters may act friendly towards claimants to gain their trust and dissuade them from seeking legal advice or understanding their full rights, all in an effort to settle the claim for less.

Requesting Excessive Information: The insurer is known to demand more and more information, including unrelated medical records from years back, to find any reason to minimize or deny the claim. This is often referred to as the "more information trap."

[MichaelSmith-lmsl]

To effectively counter the tactics mentioned in the "Worst State Farm Tricks Exposed!" video by Connecticut Trial Firm: Connecticut Injury Lawyers, claimants can take specific steps to protect their rights and ensure a fair handling of their claims. Here are strategies to counter each of the outlined "dirty tricks":

1. **Ignoring Calls**:
- Document all attempts to contact the insurance company, including dates, times, and the method of communication.
- Send follow-up communications in writing (email or certified mail) to create a paper trail.
- If responses are still not forthcoming, consider escalating the issue by filing a complaint with your state's insurance commissioner.

2. **Quick, Low Settlement Offers**:
- Do not rush to accept the first settlement offer. Take the time to fully understand the extent of your damages and injuries.
- Consult with a personal injury attorney to get an independent assessment of the value of your claim.
- Remember, once you sign a release, you cannot reopen the claim if you discover additional damages or injuries later.

3. **Delaying Claims**:
- Keep detailed records of all medical treatments, repairs, and related expenses to your claim.
- Respond promptly to any requests for information from the insurance company to avoid giving them reasons to delay.
- If delays become unreasonable, remind the insurance company of their obligation to act in good faith, and mention your right to file a complaint for bad faith practices.

4. **Feigning Friendship**:
- Maintain a professional relationship with the insurance adjuster and be cautious about sharing too much information.
- Be aware that the adjuster's primary role is to minimize the company's payout, not to advocate for your best interests.
- Consider hiring a personal injury attorney to represent your interests and communicate with the insurance company on your behalf.

5. **Requesting Excessive Information**:
- Provide only the information that is relevant and necessary for your claim. You are generally required to provide accident-related medical records but not unrelated personal information.
- If the insurance company requests excessive or irrelevant information, ask them to provide a justification for why each piece of requested information is necessary for the evaluation of your claim.
- Consult with an attorney to review any document requests or releases before signing them to ensure you're not providing more access than required.

In all cases, it's beneficial to consult with a personal injury attorney who can provide legal advice tailored to your specific situation and jurisdiction. An attorney can navigate the complexities of dealing with insurance companies, advocate on your behalf, and ensure that your rights are protected throughout the claims process.

[elpasoerick]

I asked for help with my Roof and i wasnt sure of the date of possible damage- as I travel for work. I thought the guy on the line was helping me. and he suggested filing two claims "just in case". HUGE MISTAKE. I am so sad. I was a customer for a longg time. I called to cancel 1 when i got my stuff together but its too late. Once its in the system "they cant help me change it, it registers negativey on your future rates"..
my heart is sooo broken right now. a year later, I may lose my house cuz one of their reps got lazy or impatient. I was so scared to call but i also didnt want to come home to possible damage because of storms. Then to top it off there was no daage. It was all in my head, I guess.
im so hurt.

[LisaFlores-ed]

I was coming home from work stopped at a red light when a lady insured by State Farm hit me from behind she didn't see the red light and slammed intoo my car at 65 miles an hour, I didn't realize I was hurt until the following day

[nikolaysedletskiy]

im right now looking for lawsuit against them, that I can join

[jennifergorbey]

As far as health care absolutely fn lutly

[lwing]

I have NEVER had a problem with State Farm And you Always get a police report as documentation there was an accident. I hate when people assume