Wednesday, August 08, 2012
I have had State Farm Insurance for my home, auto, boat, renter, and life insurance for over thirty years. I have been fortunate enough to be able to live in the state of Alabama for most of those years and other than an occasional checkup left it up to my agents to take care of my insurance and advise me of any concerns they may have had regarding my coverage.
I have two sons age 20 and 18. They both started driving when they reached 16 years old and my wife and I have been fortunate enough with employment that allowed us to be able to afford to buy them both good used cars and maintain insurance on those vehicles as well as our own vehicles.
In 2010 I was laid off from my job at the Boeing Company in Alabama and was forced out into the job market. I was unemployed for several months but eventually was able to find work but the pay was less than what I was receiving at Boeing. To make a long story short, I changed employers three times trying to get back to the same level of pay that I had. My last change required me to relocate to South Carolina and we made the move in January this year. We are pretty much settled into our new lives here and things are going well.
We received a letter from State Farm a few weeks ago and they said that we would have to transfer our insurance to an agent in SC by September 8 or we would be dropped. I started looking on the web for a new local agent. The first agent I contacted took down my information over the phone and said that he would get it all worked out for us and may contact me for any additional information he needed to complete the transfer.
After a week or so, we received another letter from State Farm threatening to drop our insurance. At that time my wife and I decided that she would stop in the agents office and check on the status of the transfer. She later told me that the person she spoke to in the agents office did not have a clue as to what she was asking about and she became frustrated from trying to get information about our insurance. She left the office and called me and told me about her experience. I then decided that we would try another agent in the area.
So I made a call to another agent and explained our situation to her. She initially had the same personable attitude and came across as you would expect from someone you wanted to take your business to. After initiating the transfer she called me the day after and said that she had some documents to sign and she would fax those to me. She then stated that I should just sign them and fax them back. I agreed and asked her a few questions about my four auto policies and if there would be any change in the cost. I figured there may be differences changing to another state. She then replied that my insurance cost would increase over $150/month. I asked why there was such a price difference and she stated that youthful drivers was costlier in SC. After hearing that I spoke to my wife and explained to her that our insurance would be costing us quite a bit more for the boys to drive and discussed ways that we could adjust our budget to cover the additional expense. The agent also required $450 dollars to initiate the transfer so I gave her my debit card over the phone.
A while later I received the emails with the documentation she had sent and started looking it over before signing it. Within that documentation she had added a coverage for each policy for underinsured motorist. Each policy had an increase of $40 dollars for this coverage. She had already answered yes to the question asking if I wanted to accept or reject this coverage. I then started researching this coverage and discovered that it was not required in the state and I had never had the coverage in Alabama. I then called the agent and asked about the coverage at which time she stated that she assumed that I wanted it due to the fact that many of her existing customers carried it. I then told her that she should have asked me if I wanted any additional coverage especially when I had asked about the significant cost increase.
She then became very offensive. She also stated that there was nothing she could do now that she had submitted my documents into the system and we would have to wait until the new policies went into effect, about a week, before we could make any changes. I had not even signed the document stating that I wanted the extra coverage.
Needless to say, I am very upset that this happened. Later that afternoon I called the original agent we had contacted and explained to him what I had experienced and he told me that he had all of our documentation worked out and our monthly payment would be approximately $300, which is what I was paying back in Alabama. I then mentioned then mentioned the underinsured coverage that the other agent had added to our policies and that had contributed to some of the cost. He then stated that he had also included that same coverage in the quote he had given me and he would have to remove it and update the quote to reflect the difference in cost.
Well, I am finding it hard to believe that both of these agents use the same tactic to add unnecessary coverage to a customer policy before discussing it with them. Very deceitful in my book. That is no different to me than shoplifting. It’s not a crime unless you get caught. Now I am upset with sort of behavior and just want to know how many have they done this to and got away with it…..
Thanks for listening,
Wednesday, February 01, 2012
Monday, January 30, 2012
Rob, I, George E. Nixon, filed my insurance complaint against the State Farm Insurance Company w/ State Farm, the Georgia Insurance Commissioner and the Better Business Bureau. I canceled all of insurance policies with them effective 5 October 2006. I had been insured with State Farm since 1986. I had insured my three automobiles and my two Mortgage-free houses. I had my first complaint filed with my local state farm agent in January 2000. My Mother had passed away on 14 January 1999, and I had filed with the local State Farm Agent the necessary papers to update my policies (I delivered a certified copy of her death certificate, a copy of her probated will (I am the Executor), a copy of the deed at 810 East Boundary, Augusta, GA, the property my mother and I had purchased together in March of 1958.
In January of 2001, the State Farm Agency sent to the 810 East Boundary address, a threatening notice to my deceased Mother to come into their office about the property insurance. My tenant at 810 East Boundary, Ms. Teresa Moore, gave me the letter. This was the first incident; I went to the State Farm Agent's office, tearfully questioning, why would they try sending such a letter to my deceased Mother, the policies are in my name and they knew my mother is deceased. As Landlord, since August 2000, I have rented this property under the HUD Section 8 program. I thought everything was all ironed out. The State Farm Agent, Preston Thomas then apologized for the incident (I have always paid the insurance policies in person). Before her death, my Mother became blind in 1997 and later was on kidney dialysis; all of the insurance policies had been in my name. My mother and I had had purchase this property in March of 1958.
A second incident occurred, sending yet another notice for my deceased mother to come into the office. I went calmly to the office to talk with Mr. Preston Thomas. He stated that that's the way the policy was written and he couldn't change it. Gathering my composure, I stated to Mr. Thomas that from now on, I will only pay my portion of this so called two-party policy – George E. Nixon & Clara E. Nixon. Believe it or not, a 'light bulb' went off in his dim-witted head and he had the refund check rewritten in my name so I could cash it. All was forgiven and I continued being a State Farm customer. Preston Thomas retired; then along came this new agent, Don Brandenburg.
In 2003, I had overpaid the State Farm insurance premium on the 810 East Boundary property and they sent me a multiple party refund check, including my name George Nixon, my brother’s name, Thomas Nixon, and my brother-in-law’s name, George Turner. Financial institutions in the State of Georgia do not honor multiple party checks. I had brought this information to the attention of the State Farm Agent, Don Brandenburg. He indicated he did not know I owned the property. I had brought all pertinent documents (copies of the deed, my mother’s death certificate to him) on at least three occasions. He indicated there was nothing he could do; and he thought I didn’t own the property. He indicted he would need me to bring him a copy of the deed again. Well, needless to say I was insulted, yet again.
Another item, over the years on several occasions, I had been noticing on my insurance renewal billing, the policies deductibles dropping, thereby causing an increase in my premium payments. Sometimes, I would catch these incidents late, reported it to their office and they would correct the policy premium payments. In August of a certain year, after a policy increase jumped up on my old family car, I told State Farm that I would be leaving and cancelling my policies with them. I happened to call MetLife and a former State Farm employee assisted me. She guided me and explained the unknown intricate habits of State Farm and how the writings in their policies could be misleading. She demonstrated how much more superior and factual MetLife policies were. I signed with MetLife and canceled my State Farm policies.
State Farm sent refunds checks for each of my policies; however, they again sent me a multiple-party refund check for the rental property, 810 East Boundary, Augusta, GA. Once, again, I cannot cash multiple-party check at any local bank; and neither could State Farm, in any instance, prosecute such a multiple-party fire damage claim that would have been filed to State Farm Fire Insurance Area on the rental property.
Let me explain clearly here, the 810 East Boundary, property is where the State Farm property incidents kept coming up. My mother and I purchased that property in March of 1958 and the mortgage was paid it off in 1997. Since my mother passing on 14 January 1999; in her Will, I am designated Executor of her estate, the Will was probated by the Superior Court Judge, and this process was attended by me and my attorney. Days after that and processing her Will with my attorney and filing papers at the court house, is when I took all of the necessary paperwork to State Farm.
Yet another item here, I have been HUD certified as a public housing property manager since 1979. My property rental lease at 810 East Boundary has been with my tenant, Ms Moore, since August 2000; and it has always been a one-landlord-party lease (me as landlord and property owner) and Ms Teresa Moore, as Tenant. The local HUD agency has recognized that in their Section 8 Program. Now, I am very suspicious that the Fire Insurance Service Area of State Farm Mutual Company (which sends the non-cashable multiple party check pay-outs) maintains non-prosecutable/executable fire policies on rental property home-owners. No claims of any kind to the multiple party insured can be paid nor refund checks cashed. Mr. Brandenburg unsuccessful attempted to explain to me that I needed to bring the evidence of property ownership again to his office. THREE OR MORE TIMES IS ENOUGH!!! This is harassment! They (State Farm) got that information from me; plus its public record stuff! I gave State Farm copies of my mother's death certificate, a copy of her probated the will, a copy of the property deed – They, State Farm Fire Insurance Area, if being of sound business principles, would have never created and accepted such a policy they could not thoroughly execute in the first place. If the policy was out of context and claim considerations could not be affected, why would they have drawn/written it up???
If I didn't own the property, would the local Housing Authority, a HUD agency, have accepted my property into the HUD Section 8 Program? I didn't need to waste another minute with State Farm and I have told my relatives to leave them alone - get away, drop this fraudulent or ignorant company!
Now, I had requested the Georgia Insurance Commissioner, launch an investigation, the external quality type, to look into their ) be launched into the policy prosecuting procedures of the State Farm Fire Insurance Area, where and when their fire policies are written for rental property owners who own outright, their rental properties.
The final and most important request is that State Farm is to send me an cashable insurance refund check (Single Party, me only, George E. Nixon- the only one they have known and the only one that have ever sent them insurance premium payments for this property). I have no idea where their stupidity comes from.
George E. Nixon
[Phone numbers withheld to protect privacy}
PS. Rob, if this website is a scam for ripping off, ripped off persons, then welcome to my world of taking these types of scammers down!!!