I actually had to see this commercial twice to make sure that I wasn’t misinterpreting it.
A couple are in the driveway of their house; the woman is driving their car and the man is talking to her. She accidentally runs over his foot, breaking it. The house and car are both insured by state farm.
The woman then gleefully explains, “we didn’t know whether to file a claim under our home or car insurance!”
Back the fuck up.
You ran over his foot because YOU’RE BOTH NEGLIGENT IDIOTS. WHY ARE YOU GOING TO FILE A CLAIM FOR THIS? You’re driving up prices for other State Farm customers, and you’re going to fuck yourself in the ass becuase next time you actually have to file a legitimate, non-frivolous claim, they’re going to boot you.
I’m not even a State Farm customer, but FUCK YOU for encouraging your customers to file idiotic, ridiculous claims like this one!
I mean, the moron part I got, but the claim-filing part, not so much.
The only conclusion I thought possible was that they had no health insurance, so claiming on their homeowners or auto would cover the medical costs maybe?
Meh, even if that’s it, what a stupid commercial. Now my association with State Farm isn’t “like a good neighbor” but “insurance for dumbasses” instead.
I doubt that’s going to encourage people to go out and run their own feet over.
If you think about it, it’s probably a pretty smart add because I’m sure this almost never happens. I bet it’s even more rare for it to happen and actually become a home owners/auto claim.
So they get to show you how they’re practically there to catch you when you fall without ever having to pay out.
Meh, I have no sympathy for insurance companies and I hate how as an industry they’ve convinced people to police eachother. Fuckem.
If she hadn’t been backing the fuck up there wouldn’t have been a problem. Why are you encouraging her in this frivolous backing up behaviour?
Brand-spankin’-new claims rep checking in, but not for State Farm. Also haven’t seen the commercial in question. That said, why wouldn’t you expect someone to file a claim for this? It’s an injury that took place while an insured was operating a motor vehicle. Covering costs associated with damages incurred while driving is what auto insurance is for.
If they had liability coverage and/or medical expense coverage on their auto and homeowner’s policies, either or both might cover the injury. Were someone to call this in to me I’d file the claim under the auto and homeowner’s polices and let the adjuster sort it out. Not my job to make the determination of coverage.
Workers’ comp adjuster here, vaguely familiar with other lines of insurance. It doesn’t matter if the policy holder’s injury was his own fault. If the circumstances fall within the parameters laid out in the policy, it’s covered. As we say around my office, “we pay for stupid.”
That said, I doubt the incident in the commercial would fall under homeowner’s insurance. If I’m not mistaken, a homeowner’s policy only covers injuries incurred by people visiting the home, not the homeowners themselves.
Hey Nordic , in what state are you a claims adjuster?
I’m your nemisis, so to speak. That is, I’m out on workers comp. It’s been three years for me and I’m hitting the end of the road (PA, btw). Things look as if to be wanting to draw to a close. I can’t go back to what I was doing per my Dr. AND comps Dr.
Any advice you can give, I’d be happy to hear (read).
To be fair, the insurance company has treated me exceptionally well compared to some of the horror stories I’ve heard.
If the folks in the advertising dept had any guts they would have constructed a scenario in which State Farm Auto/Home/Health & (ulp) Life insurance lines could have all been called up in one fell swoop.
For instance, Desmond & Molly Jones, State Farm Insureds, are out tending the front lawn on a sunny afternoon. Speed Racer, high on crack, whips around the corner, careens off the BMW parked in the driveway (AUTO), strikes molly shattering her left thigh (HEALTH) causing her to lose 18 months of income as a bricklayer (DISABILITY), squishes their infant (LIFE) and strikes Desmond, throwing him through the bay window (HOME) and leaving him in a coma for 3 years (LONG TERM CARE).
It’s becoming a tough world. They need to put up some tough ads that demonstrate utility.
Inigo, when you get tired of being an adjuster, maybe you could go into advertising? Your scenario has me cracking the fuck up. Maybe you should submit ti to your superiors or your marketing team.
FWIW I had a similar thing happen to me in 1994. TV dies in Northridge earthquake. I had earthquake coverage. Two weeks later some scumbag breaks into house and steals said TV and a bunch of other stuff. State Farm said they would pay for TV on either claim, made no difference to them. I took the TV on the theft claim since it was getting settled first.
Damage to said foot would be claimable under the home owner’s Third Party Liability, which is included standard on most home insurance policies and covers bodily injury or property damage for which the insured is found legally liable.
And yes, insurance policies do have a habit for paying out on stupidity claims. I often wonder where personal responsibility and common sense have gone. People will sue over anything these days, and as shitty as insurance companies are, I can sometimes understand the fight they put up not to pay out claims.
This commercial just reinforces the misunderstanding the general public has of the original intention of insurance. Insurance is set up so that the many pay in and the few claim, in order that no one person is stuck with a loss that would ruin their livelihood, ie a house fire.
Depending on their health insurance policy, it’s likely that the health insurer would’ve requested reimbursement from either the homeowner’s or the auto carrier under their subrogation clause.
So, from that standpoint, it really doesn’t matter.
Then why on earth do they keep offering low-deductible policies? Seriously, I understand that insurance is ostensibly only to save my ass, but if I have a car insurance policy with a $200 deductible (or a homeowners policy with a similiarly low deductible), why the heck shouldn’t I file a claim if I get $300 worth of hail damage? If insurance companies don’t want people filing frivoluous claims, then raise the fucking deductibles.
As it is, the highest deductibles you can get are still typically below “livelyhood endangering emergency” level (e.g., $1k for auto insurance in my case), and you reach a point of diminishing returns on the premium relatively quickly…
Because most people go through the entire ownership of their vehicles without filing any claims at all, so the insurance companies can still make money off the low deductible policies.
Yeah…I keep seeing him in that one episode where they had to dope him just so he could handle that super motor they dug up in the grave yard. Specifically, when Pops is detoxing him with the slow-mo films.
Great concept, but why would they insure the life of an infant? It’s not like he has dependents to take care of. Or would they want to be secure in the knowledge that, should anything happen to little Billy, they can dry their tears on some fat checks?
:: Puts on insurance guy hat ::
Actually, I’m glad youbrought it up, Walrus, there are MANY good reasons to buy a life insurance policy on a baby/child.
Coverage is in force in the event of terminal childhood illness or accidental death(leukemia, MD, etc) and final expenses are not one more stressor to an already horrible situation
Coverage and guaranteed voluntary coverage increases are in force in the event a condition arises that prevents cost-effective life insurance (diabetes)
Tax-deferred Investment features of a Universal Life policy can be initiated early on (See a licensed agent for details–I’m not licensed any more so I can’t get into it)
Whole Life insurance premiums are locked in at a lower rate on a young person–they stay at the same rate for the lifetime of the individual.
MOST of the reasons for getting life insurance on the kids has to do with keeping the coverage cost-effective, and guaranteeing insurability for those times following life’s nastier curve balls. It’s nice to deny the need, but it sucks when you denied it and life happens. Cite my 26 year old sister in law with 3 kids, no life insurance, no husband and terminal breast cancer.
