I know individuals have varying opinions, which is often based on their personal experience with one or two claims (and also can be colored by an initial misunderstanding about what insurance is meant to do). But what about the adjusters? Are there companies you will absolutely steer clear from based on your professional experience?
Curious about both home and auto insurance.
Question for the adjusters – what’s the worst company for claims in your opinion?
byu/DreamScreams inInsurance
Posted by DreamScreams
12 Comments
I have a love hate relationship with State Farm
I have my insurance through them because of my agent. But their claims department and handling are absolutely atrocious as both insured and adjuster
Fred Loya. I’d rather be uninsured.
For me it’s a pretty solid tie between State Farm and geico. I’ve worked so many claims where the other party tells me that Geico told them to call us and we would fix their vehicle and closed their claim – where we end up having no coverage or disputed liability. State Farm because they will find any reason to deny liability – I had a claim where their driver hit our legally parked car and they still tried to put 10% on us because idk lol. I can also never get ahold of anyone at State Farm – I don’t even try any more.
State Farm seems awful. When I did liability, they were SO dismissive.
Geico in general.
My shops HATE Allstate.
Geico. Allstate.
You guys, I get that State Farm is awful but for real? National General is way worse. At least State Farm will call you back when you leave them a voicemail.
I haven’t had any issues with safeco, but I’ve heard some that have, same with usaa. The bigger the name, the more success they’ve had denying claims.
State. Fucking. Farm.
I have literally hated them since I started in the industry as a temp. And not because I just hate them. And it makes me feel terrible because I have a friend that works for.
Every time I have a claim with them and there’s a liability dispute, (and I do mean EVERY. SINGLE. TIME.) They will take their insureds statement, determine liability off of that, and accept nothing else or any possible scenario where that’s wrong. They don’t interview my insured, they don’t ask for photos or video, nothing.
It makes me absolutely irate. And if you think I’m kidding, here are some examples:
1. They put my insured’s parked and stationary vehicle at fault for their insured hitting it. Because it “wasn’t parked well”. I had to escalate over the rep, over their team lead, and to a supervisor to get that overturned.
2. Four way intersection. Their insured runs the stop sign and hits my insured. Their insured said she “proceeded lawfully and the other guy [my insured] ran out in front of me and scraped along my front bumper.”
Forget the fact that that still gives my insured ownership of the intersection, forget the witness statements, forget that the damages don’t support that and the point of impact (the REAR TIRE AND QUARTER PANEL) had a massive dent but no excessive scraping, and forget that their insured’s entire front in was bent inward, not scraped or torn.
Their insured said it was my guys fault. And that’s all they would hear.
3. This is the one and only time I have gotten a rep to overturn a decision based on evidence and not escalation to a supervisor.
Their insured merged into mime. It took the police report, witness statements, a diagram showing why their version was LITERALLY IMPOSSIBLE, photos from the scene with circles around the tracks on the snow showing they hit us, damage photos with giant red arrows and showing how that didnt correlate with their set of events, and a recorded statement from their insured admitting he hit us (obv before they talked to him).
I have also had SEVERAL people tell me they have been steered towards shops and basically told that was their only option.
I also had an accident with one of their insured’s (they were at fault). And it wasn’t until I said “I have a dash cam and a record of everything”, that they accepted. They tried to pull the rug out from under me later and say “OH, Well, according to this we don’t know if we’re actually at fault.” Until I reminded them of all the evidence I still have.
I literally don’t feel like I can trust them to be ethical. And like I said, I hate that because I would really like to believe that they got the #1 spot for a good reason, but they make it really fucking hard.
Geico, partly because they treat their employees impressively terrible tbh. But also just horrible to deal with.
I haven’t had a ton of Allstate experiences but I have one from DECEMBER where they have made NO movement. None. My insured was planning to go through allstate due to their driver being at fault but eventually reopened her claim with my company due to allstate being totally nonresponsive.
I’m not an adjuster. I worked in a body shop handling submissions for claims and supplements. State farm and progressive were the worst to deal with. I sold allstate for awhile. I didn’t personally have many issues dealing with them on the bodyshop side, but as a producer, lots of unhappy calls into the agency
State Farm will fight you on the dumbest shit imaginable
I have had claims with them go to arbitration for seemingly simple liability decisions
The last one that comes to mind is they tried to say my insured was 10% liable because his parked vehicle was slightly on the line
Absolutely fucking stupid
Can’t speak to home. But auto? Allstate makes the most wack liability decisions, and reps in the Kemper family of insurers are often insanely overworked and therefore difficult to get in touch with.