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Posted on 05/23/2025 3:57:37 AM PDT by tired&retired
This is a clip of Senator Hawley holding a hearing on insurance company fraud. It includes All-State and State Farm. At 36 minutes he is questioning the State Farm executive.
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Thank you very much and God bless you.
State Farm doubled my car insurance in 18 months time, while I have filed no claims ever. I guess either rip off or I am forced to pay for other drivers.
Thank you Senators Hawley and Kim.
we took a road trip 2022. The interstate in Nebraska has no speed limits in some parts, or I'd swear they don't!
I hate insurance companies with all my heart. They are all fraudulent thieves who deserve whatever evils befall them. If my car insurance goes up any more I will drop it to basic liability. It’s paid off. And my insurance shouldn’t be going up even as the value of my car goes down. Not to mention I have a perfect driving record and a credit score over 800, only put 20,000 miles on it in four years, and just should not be paying out the nose like I have a red Porsche and a frat boy for a chauffeur.
This is when you seek out another insurance agency unless you get a satisfactory answer from your agent. Age and the type of car you drive could be an issue, but I suspect a data entry error for a doubling of rates in such a short time...
Cars have become as expensive as entry level homes used to be, not so very long ago.
Repair costs are through the roof
Some states mandate OEM replacement catalytic converters
And there are folks that decided to torch their declining value “asset”.
Market will level itself if Goobermint gets out of the way.
But they won’t, so it won’t.
Solution? Pay cash for a used beater and drive it til the wheels fall off.
Rinse. Repeat.
Raising rates is how they reward what you call “loyalty.” Same as cable, cell phone. They see you as stupid for not shopping around.
I have minimal auto insurance & yet the premium seems rather high. They advertise reduced rates all the time online b& TV with all kinds of deals, but my agent says to forget those ads; they are meaningless. I don’t get it. This is State Farm.
Mine has gone up 40% in two years... no claims...
Gonna start looking around...
I have minimal auto insurance & yet the premium seems rather high. They advertise reduced rates all the time online b& TV with all kinds of deals, but my agent says to forget those ads; they are meaningless. I don’t get it. This is State Farm. I have no chargeable accident claims.
Had the house fire in 2023.
Still not home.
Had to hire a public adjuster who was not on his game either.
With a theoretical coverage of $250k, I didn’t even get enough to get the whole place up to code.
Half the house was “ over fixed” to satisfy insanely expensive code “ upgrades”but my living room will have no electricity because the contractor ( second one I hired after first one wasted 18 months doing nothing) “ needs more money” which I do not have and will not give me any receipts now so I can see where the money I’ve given him went to.
I am so screwed.
This started because the SF adjuster hired a “ cleaning company” who simply did not.
Months of water logged insulation and drywall lying on the kitchen floor meant they had to “cut off” the bottom of the house, pour a slab and footer/foundation as the 18 months of nothing had destroyed the floor and bottoms of the walls.
Hubby died 5 months after the fire and the PA made it sound like they’d protect me and get me home again
So far they have not.
I didn’t know any of this stuff and was alone now and it’s like every vulture within 500 miles knew it.
I pray you get your life back.
I will not have mine again, it seems.
Very enlightening thanks for posting.
Insurance companies operate pursuant to an inherent conflict of interest. The more claims they deny—even legitimate claims—the more money they make. That’s just the reality. Criticizing them won’t fix it.
Insurance companies should be required to take a fixed percentage of the premiums they collect upfront (7%, 10%?) to pay for the cost of administering claims and profit, and should be required to hold the rest in trust for the sole benefit of their insureds. Then they would have no monetary incentive to deny legitimate claims.
That is the Healthshare model. It causes high customer satisfaction, if run properly.
I am an attorney who has spent 35 years suing insurers over improperly denied claims.
“ Solution? Pay cash for a used beater and drive it til the wheels fall off”
My 23 year Ford Exploder finally lived up to its nickname and threw some internal part right through the engine block last week.
Not enough for another beater as this is like the third one in 4 years.
Been trying to sell my Harley which is my last halfway valuable thing and I think every kind of scammer on earth has contacted me.
The last one got really enraged when I showed him a screen shot of his phone number on a known scammer list.
He said he was going to report me if I ever replied to him again.
(To whom do criminals report you when you catch them trying to rob you? 🤔)
😑
Does Florida allow posting a bond? Where to find out?
SF demanded some kind of code upgrade paperwork from the county, knowing full well my county could not provide such, thereby denying me about $30k in SF included code upgrade coverage.
And there seems to be nothing I can do about it.
The PA I hired was not particularly helpful since I’m small potatoes compared to his usual clients.
LOL. I've never seen an insurance company offer/issue loyalty points.
bkmk
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