# State Farm is a bunch of fucking crooks and liars **URL:** \ **Category:** The BBQ Pit\ **Created:** [June 7, 2007, 4:34pm UTC](https://boards.straightdope.com/t/state-farm-is-a-bunch-of-fucking-crooks-and-liars/407140 "2007-06-07T16:34:06Z")\ **Posts on this page:** 20\ **Page:** 2
**Author:** ![fisha](https://avatars.discourse-cdn.com/v4/letter/f/da6949/32.png) [@fisha](https://boards.straightdope.com/u/fisha)\ **Post date:** [June 8, 2007, 1:55am UTC](https://boards.straightdope.com/t/state-farm-is-a-bunch-of-fucking-crooks-and-liars/407140/21 "2007-06-08T01:55:11Z")
In my spare time I’m a contractor who works with adjusters specifically for hail damage on roofs. I’m pretty damn good at it. My denial rate is less than 10%. There is a common test known as the Haag test that is a common reference for the industry. It involves hail dents within a square (10’x10’) What is considered a dent can be debated. Every insurance company has different criteria that has to be met. Some need the mat to be broken. Some need 6-8-13 or more dents in a square. Some like to see additional evidence, such as dents in the soft metals, A/C, fascia, or siding. Every company is different, every adjuster is different. I just finished a job last week, neighbor on either side was having the roof replaced from hail damage. (I’m doing both neighbors.) The guy had dents in the roof, dents on the furnace cap, A/C and siding. Everything was approved for hail damage, except the roof. Homeowner was pissed. I don’t blame him, but it was a 80-20 percent chance of being a claim. He was that 20% that didn’t get approved. He had American Family. I cannot say across the board any one insurance company is more or less lenient than the other. Contractors can (gasp!) be sleazy as well. One of the reasons why hail claims are so popular, is because it can be debated, especially on older roofs. Your contractor is not only making your case, he’s making the case for his own profit. And it is very lucrative. He isn’t fighting for your roof because he thinks you’re a swell guy. I had an adjustment this morning, it was State Farm, guy was very professional, not only made the adjustment, but also did the paperwork immediately afterwards in his truck, made a check out right away. From start to finish, maybe an hour and a half, and homeowner had a new roof being ordered within three hours, to be installed early next week. I wish more adjusters were like the State Farm guy I had today. Contractors can be assholes, I know this, I am one, and I’m married to one. If the damage is there, it’s there. I’m glad you got your roof, but you may have suffered from a bit of neighbor-itis. Just because your claim was approved, still doesn’t mean you had enough damage. Most adjusters do a very good job. And they also get paid MORE if they approve your claim. If I had to trust a contractor or an adjuster, I think I’d trust the adjuster. Just sayin’ Oh, and chicks can know their shit about roofs, too. You can ask the adjuster I met with on Tuesday, who is grand pooh bah of the insurance/roofing coalition of the midwest. Yes, he approved the claim after I made my case. If you are professional, and know what you are doing, there are very rarely any problems. I wonder if your contractor is familiar with hail claims, or is more into just sales, quick money. It could also be that your contractor has a negative reputation amongst adjusters. It could be one specific adjuster assigned into that area who is evil, bitter, and cheap. If it is one specific adjuster, he will likely be replaced soon, everyone hates readjustments, and every one REALLY hates when you get engineers involved. Wasting a lot of people’s time and money, and causing bad feelings and impugning reputations. Most adjusters are not local, they go wherever the storms are. ---
**Author:** ![lisacurl](https://avatars.discourse-cdn.com/v4/letter/l/41988e/32.png) [@lisacurl](https://boards.straightdope.com/u/lisacurl)\ **Post date:** [June 8, 2007, 3:04am UTC](https://boards.straightdope.com/t/state-farm-is-a-bunch-of-fucking-crooks-and-liars/407140/22 "2007-06-08T03:04:25Z")
[QUOTE=Capatalist Lion Tamer] Operating costs need to be taken into consideration. It is my understanding that, for several insurance companies, the spread is darn near zero. I have no cite. [/QUOTE] You have got to be fucking kidding me. ---
**Author:** ![The\_Vorlon](https://avatars.discourse-cdn.com/v4/letter/t/d07c76/32.png) [@The\_Vorlon](https://boards.straightdope.com/u/The_Vorlon)\ **Post date:** [June 8, 2007, 3:22am UTC](https://boards.straightdope.com/t/state-farm-is-a-bunch-of-fucking-crooks-and-liars/407140/23 "2007-06-08T03:22:50Z")
Boston skyline: Two tallest buildings: Prudential John Handcock Case Closed ---
**Author:** ![John\_DiFool](https://sea3.discourse-cdn.com/straightdope/user_avatar/boards.straightdope.com/john_difool/32/19543_2.png) [@John\_DiFool](https://boards.straightdope.com/u/John_DiFool)\ **Post date:** [June 8, 2007, 3:29am UTC](https://boards.straightdope.com/t/state-farm-is-a-bunch-of-fucking-crooks-and-liars/407140/24 "2007-06-08T03:29:57Z")
[QUOTE=gonzomax] Insurance companies both health and auto have a simple mantra. Deny every possible claim. It increases the bottom line. They are not there to provide a service. They exist to make a profit. The customers ,once signed on, become problems and must not cost money. [/QUOTE] The bottom line would decrease if enough pissed-off customers leave your business for what they perceive as gross unfairness too. Of course this is where ads like those of Geico come in, to try to sucker in the ignorant. ---
**Author:** ![Capatalist\_Lion\_Tamer](https://avatars.discourse-cdn.com/v4/letter/c/71c47a/32.png) [@Capatalist\_Lion\_Tamer](https://boards.straightdope.com/u/Capatalist_Lion_Tamer)\ **Post date:** [June 8, 2007, 3:45am UTC](https://boards.straightdope.com/t/state-farm-is-a-bunch-of-fucking-crooks-and-liars/407140/25 "2007-06-08T03:45:22Z")
[QUOTE=featherlou] AHAAHAHAHAHAHAHAHA! {gasps for breath} I don’t believe for one femtosecond that insurance companies are not making profits hand over fist. Companies with a very low profit margin don’t build themselves office towers downtown. Maybe the profit margin is lower for Joe’s Insurance and Auto Repair, but not for the big players. The kicker to what you’ve already mentioned, **Trunk**? You pay into insurance for decades, you finally have cause to make a small claim, and your insurance rates GO UP, or they cancel your policy because you’re a bad risk now. Hey guys, how about using some of those thousands of dollars I’ve paid you over the years for my claim? Oh, sorry, all that money was used for part of the CEO’s vacation property in the Cayman Islands. My mistake. Dammit, you’ve got me thinking about this now, and my blood pressure’s going up. :mad: [/QUOTE] I never said they didn’t make profits. The presentation I saw recently noted that certain insurance companies make money on the interest from their enormous cash holdings, even though they may not make money from writing policies. ---
**Author:** ![Capatalist\_Lion\_Tamer](https://avatars.discourse-cdn.com/v4/letter/c/71c47a/32.png) [@Capatalist\_Lion\_Tamer](https://boards.straightdope.com/u/Capatalist_Lion_Tamer)\ **Post date:** [June 8, 2007, 3:46am UTC](https://boards.straightdope.com/t/state-farm-is-a-bunch-of-fucking-crooks-and-liars/407140/26 "2007-06-08T03:46:23Z")
[QUOTE=lisacurl] You have got to be fucking kidding me. [/QUOTE] No, I’m not fucking kidding you. ---
**Author:** ![Capatalist\_Lion\_Tamer](https://avatars.discourse-cdn.com/v4/letter/c/71c47a/32.png) [@Capatalist\_Lion\_Tamer](https://boards.straightdope.com/u/Capatalist_Lion_Tamer)\ **Post date:** [June 8, 2007, 3:51am UTC](https://boards.straightdope.com/t/state-farm-is-a-bunch-of-fucking-crooks-and-liars/407140/27 "2007-06-08T03:51:56Z")
So that people may understand that I’m not fucking kidding them, here’s what Wikipedia has to say on the subject: > [@](#): > > Insurance companies also earn investment profits on “float”. “Float” or available reserve is the amount of money, at hand at any given moment, that an insurer has collected in insurance premiums but has not been paid out in claims. Insurers start investing insurance premiums as soon as they are collected and continue to earn interest on them until claims are paid out. > > In the United States, the underwriting loss of property and casualty insurance companies was $142.3 billion in the five years ending 2003. But overall profit for the same period was $68.4 billion, as the result of float. Some insurance industry insiders, most notably Hank Greenberg, do not believe that it is forever possible to sustain a profit from float without an underwriting profit as well, but this opinion is not universally held. ---
**Author:** ![lisacurl](https://avatars.discourse-cdn.com/v4/letter/l/41988e/32.png) [@lisacurl](https://boards.straightdope.com/u/lisacurl)\ **Post date:** [June 8, 2007, 1:42pm UTC](https://boards.straightdope.com/t/state-farm-is-a-bunch-of-fucking-crooks-and-liars/407140/28 "2007-06-08T13:42:22Z")
So that people can understand why I think they are fucking kidding me, here are cites from sources other than Wikipedia on the insurance industry posting record profits in 2006, after arguably the worst natural disaster to hit the United States in history in 2005 and the runners-up in 2004 (Florida hurricanes). > **[Insurers Saw Record Gains in Year of Catastrophic Loss](https://www.latimes.com/archives/la-xpm-2006-apr-05-na-insure5-story.html)** > > They say the profits are a fluke, but the industry has worked to shift risk to clients and the public. > **[After Record 2006, P/C Insurers See Promising 2007 Ahead](https://www.insurancejournal.com/news/national/2007/01/15/75867.htm)** > > Property/casualty insurers should be able to build on the momentum of 2006 to deliver another profitable year in 2007 if they maintain discipline on You’re such a jacktard I wish I work up the ire to pit you. ---
**Author:** ![Capatalist\_Lion\_Tamer](https://avatars.discourse-cdn.com/v4/letter/c/71c47a/32.png) [@Capatalist\_Lion\_Tamer](https://boards.straightdope.com/u/Capatalist_Lion_Tamer)\ **Post date:** [June 8, 2007, 1:45pm UTC](https://boards.straightdope.com/t/state-farm-is-a-bunch-of-fucking-crooks-and-liars/407140/29 "2007-06-08T13:45:15Z")
[QUOTE=lisacurl] So that people can understand why I think they are fucking kidding me, here are cites from sources other than Wikipedia on the insurance industry posting record profits in 2006, after arguably the worst natural disaster to hit the United States in history in 2005 and the runners-up in 2004 (Florida hurricanes). > **[Insurers Saw Record Gains in Year of Catastrophic Loss](https://www.latimes.com/archives/la-xpm-2006-apr-05-na-insure5-story.html)** > > They say the profits are a fluke, but the industry has worked to shift risk to clients and the public. > **[After Record 2006, P/C Insurers See Promising 2007 Ahead](https://www.insurancejournal.com/news/national/2007/01/15/75867.htm)** > > Property/casualty insurers should be able to build on the momentum of 2006 to deliver another profitable year in 2007 if they maintain discipline on You’re such a jacktard I wish I work up the ire to pit you. [/QUOTE] Try reading what I wrote. I never said they weren’t profitable, I was specifically talking about the money they make from writing policies. Try again, please. ---
**Author:** ![fluiddruid](https://avatars.discourse-cdn.com/v4/letter/f/c2a13f/32.png) [@fluiddruid](https://boards.straightdope.com/u/fluiddruid)\ **Post date:** [June 8, 2007, 1:51pm UTC](https://boards.straightdope.com/t/state-farm-is-a-bunch-of-fucking-crooks-and-liars/407140/30 "2007-06-08T13:51:46Z")
[QUOTE=Capatalist Lion Tamer] Try reading what I wrote. I never said they weren’t profitable, I was specifically talking about the money they make from writing policies. Try again, please. [/QUOTE] Er, it’s the same difference; your cite indicated it was from money paid into insurance before claims were filed. How would they acquire this money if they didn’t write policies? ---
**Author:** ![Capatalist\_Lion\_Tamer](https://avatars.discourse-cdn.com/v4/letter/c/71c47a/32.png) [@Capatalist\_Lion\_Tamer](https://boards.straightdope.com/u/Capatalist_Lion_Tamer)\ **Post date:** [June 8, 2007, 1:54pm UTC](https://boards.straightdope.com/t/state-farm-is-a-bunch-of-fucking-crooks-and-liars/407140/31 "2007-06-08T13:54:53Z")
[QUOTE=fluiddruid] Er, it’s the same difference; your cite indicated it was from money paid into insurance before claims were filed. How would they acquire this money if they didn’t write policies? [/QUOTE] What? Who said they didn’t write policies? They do, and they sometimes operate that portion of the business at a loss, so that they might make profit on the float. This is particularly true of property & casualty insurance. My initial post was in response to this: > [@](#): > > If people knew the spread between > > 1. what we paid in insurance premiums one year > > 2. what the insurance companies paid out in claims ---
**Author:** ![Oregon\_sunshine](https://avatars.discourse-cdn.com/v4/letter/o/50afbb/32.png) [@Oregon\_sunshine](https://boards.straightdope.com/u/Oregon_sunshine)\ **Post date:** [June 8, 2007, 2:28pm UTC](https://boards.straightdope.com/t/state-farm-is-a-bunch-of-fucking-crooks-and-liars/407140/32 "2007-06-08T14:28:44Z")
Seriously off topic, but did you spell ‘capitalist’ wrong on purpose? ---
**Author:** ![Capatalist\_Lion\_Tamer](https://avatars.discourse-cdn.com/v4/letter/c/71c47a/32.png) [@Capatalist\_Lion\_Tamer](https://boards.straightdope.com/u/Capatalist_Lion_Tamer)\ **Post date:** [June 8, 2007, 2:30pm UTC](https://boards.straightdope.com/t/state-farm-is-a-bunch-of-fucking-crooks-and-liars/407140/33 "2007-06-08T14:30:07Z")
[QUOTE=Oregon sunshine] Seriously off topic, but did you spell ‘capitalist’ wrong on purpose? [/QUOTE] Yes, but for all the wrong reasons. It ended up making me look even more foolish. ---
**Author:** ![Liberal](https://avatars.discourse-cdn.com/v4/letter/l/848f3c/32.png) [@Liberal](https://boards.straightdope.com/u/Liberal)\ **Post date:** [June 8, 2007, 3:03pm UTC](https://boards.straightdope.com/t/state-farm-is-a-bunch-of-fucking-crooks-and-liars/407140/34 "2007-06-08T15:03:14Z")
[QUOTE=featherlou] Companies with a very low profit margin don’t build themselves office towers downtown. [/QUOTE] I understand the gist of what you’re saying, and I don’t want to get your blood pressure even higher, BUT… 😛 Do you have any idea of the economic impact building a downtown office tower has? If that’s how they’re spending their profits, then more power to them. Everybody from unskilled trash collectors to electrical engineers gets paid to do the work, and local businesses from food trucks and restaurants to parts and materials suppliers profit as well. I’m not defending the insurance companies here, particularly if their profits were coerced from people through dishonest dealings. But bashing high profit just generally is ridiculous because, if it is earned honestly, it means the company is doing something very good that a lot of people like. ---
**Author:** ![Cartooniverse](https://sea3.discourse-cdn.com/straightdope/user_avatar/boards.straightdope.com/cartooniverse/32/3084_2.png) [@Cartooniverse](https://boards.straightdope.com/u/Cartooniverse)\ **Post date:** [June 8, 2007, 3:05pm UTC](https://boards.straightdope.com/t/state-farm-is-a-bunch-of-fucking-crooks-and-liars/407140/35 "2007-06-08T15:05:59Z")
[QUOTE=The Vorlon] Boston skyline: Two tallest buildings: Prudential John Handcock Case Closed [/QUOTE] Indeed, and the ripe hypicrisy that is The John Hancock Insurance Company rolls on and on. The [John Hancock Tower](http://en.wikipedia.org/wiki/John_Hancock_Tower) in Boston. > [@](#): > > The building’s most dangerous and conspicuous flaw was its faulty glass windows. Entire 4’ x 11’, 500 lb (1.2x3.4 m, 227 kg) windowpanes detached from the building and crashed to the sidewalk hundreds of feet below. Police closed off surrounding streets whenever winds reached 45 mph (72 km/h). According to the Boston Globe, MIT built a scale model of the entire Back Bay in its Wright Brothers Wind Tunnel to identify the problem. The exact cause of the malfunction was never revealed due to a legal settlement and gag order. Most now diagnose the problem as a combination of the double-paned glass construction method, and the pressure differentials between the inside and outside air. Gee. Did they accepted liability for THAT?? No. They settled and forced a gag order. Dicks. :rolleyes: ---
**Author:** ![Inigo\_Montoya](https://sea3.discourse-cdn.com/straightdope/user_avatar/boards.straightdope.com/inigo_montoya/32/124_2.png) [@Inigo\_Montoya](https://boards.straightdope.com/u/Inigo_Montoya)\ **Post date:** [June 11, 2007, 3:20pm UTC](https://boards.straightdope.com/t/state-farm-is-a-bunch-of-fucking-crooks-and-liars/407140/36 "2007-06-11T15:20:57Z")
If only there were some sort of government institution that would regulate the business practices of these lowlifes! (Google “Department of Insurance” to see if your state has one) If only each state had an [elected or appointed official](http://www.naic.org/state_web_map.htm) to monitor the operations and review premium rates! If only people could choose which insurance company would cover them! * * * As an insurance adjuster I offer my word as my cite: **There is no conspiracy, expressed or implied, to systematically deny payment of valid claims**. That’s just stupid and belies a level of ignorance that disgraces The Dope. As for Katrina, anyone can be sued for anything–has a judge yet banged a gavel on any of the cases brought forth from class-action clowns or attorneys general? Until that happens I will continue to believe that such suits are founded in greed and predatory political tactics rather than a genuine concern for consumers. Sorry you had a bad experience **Shirley** (and others). At the end of the day we’re all human and prone to making mistakes, that’s not the same as a malicious denial to bolster some kind of ego trip. Like income tax, insurance is a necessary evil, it just is. Now that that’s out of the way, exercise some Google-foo and check out “Insurance complaint ratios” so you can see how the individual companies stack up with resepct to dissatisfied customers. Why don’t you do that and then erport back to the class on your findings. ---
**Author:** ![Don\_t\_Call\_Me\_Shirley](https://avatars.discourse-cdn.com/v4/letter/d/f4b2a3/32.png) [@Don\_t\_Call\_Me\_Shirley](https://boards.straightdope.com/u/Don_t_Call_Me_Shirley)\ **Post date:** [June 11, 2007, 4:31pm UTC](https://boards.straightdope.com/t/state-farm-is-a-bunch-of-fucking-crooks-and-liars/407140/37 "2007-06-11T16:31:48Z")
> [@Inigo Montoya](#): > > As for Katrina, anyone can be sued for anything–has a judge yet banged a gavel on any of the cases brought forth from class-action clowns or attorneys general? Until that happens I will continue to believe that such suits are founded in greed and predatory political tactics rather than a genuine concern for consumers. Odd how your default assumption with lawyers filing suits is that they are all greedy predators, but the default assumption with insurance companies is that they are not. > [@](#): > > Like income tax, insurance is a necessary evil, it just is. Now that that’s out of the way, exercise some Google-foo and check out “Insurance complaint ratios” so you can see how the individual companies stack up with resepct to dissatisfied customers. Why don’t you do that and then erport back to the class on your findings. Frankly, not relevant. I had a horrible experience with State Farm. The adjuster was either blind, pathetically incompetent, or a fuckin liar. No statistics on complaints for insurance companies are going to change that fact. State Farm could have 100% customer satisfaction, with not a single unsatisfied customer in 50 years or however long they’ve been around. It would make no difference. They treated not just me, but all their customers on my street, like shit. Do you honestly think I’m going to read their complaint statistics and change my mind to decide that they treated me “like a good neighbor”? > [@](#): > > As an insurance adjuster I offer my word as my cite: There is no conspiracy, expressed or implied, to systematically deny payment of valid claims. That’s just stupid and belies a level of ignorance that disgraces The Dope. Actually, I think your statement is more likely to disgrace the Dope. You have no way of knowing whether there was/is a conspiracy. You can safely say that you personally have never been involved in one, but that’s it. ---
**Author:** ![Rick](https://avatars.discourse-cdn.com/v4/letter/r/9f8e36/32.png) [@Rick](https://boards.straightdope.com/u/Rick)\ **Post date:** [June 11, 2007, 4:55pm UTC](https://boards.straightdope.com/t/state-farm-is-a-bunch-of-fucking-crooks-and-liars/407140/38 "2007-06-11T16:55:01Z")
[QUOTE=Cartooniverse] Indeed, and the ripe hypicrisy that is The John Hancock Insurance Company rolls on and on. The [John Hancock Tower](http://en.wikipedia.org/wiki/John_Hancock_Tower) in Boston. Gee. Did they accepted liability for THAT?? No. They settled and forced a gag order. Dicks. :rolleyes: [/QUOTE] You do realize that the lawsuits in such a case would be between the architect, the engineering firm, the manufactures of the various pieces of the window assemblies, and the general contractor and possibly various sub contractors. so just how is this fuck up Hancock’s fault? ---
**Author:** ![Algher](https://avatars.discourse-cdn.com/v4/letter/a/3d9bf3/32.png) [@Algher](https://boards.straightdope.com/u/Algher)\ **Post date:** [June 11, 2007, 5:04pm UTC](https://boards.straightdope.com/t/state-farm-is-a-bunch-of-fucking-crooks-and-liars/407140/39 "2007-06-11T17:04:33Z")
Insurance company profits are often very easilty accessible. For our friends at state farm (WARNING - PDF): [http://www.statefarm.com/\_pdf/2006annualreport.pdf](http://www.statefarm.com/_pdf/2006annualreport.pdf) ## Summary of Operating Data (In Millions of Dollars) 2006 Premium $31,947 Less: Dollars for Claims 19,071 Expenses for Paying Claims 4,427 Service and Administrative Fees 6,757 Underwriting Gain or (Loss) 1,691 - This is what they made on insurance Plus: Investment and Other Income 3,090 - This is how they REALLY make money ## Income Before Dividends and Taxes 4,781 Less: Dividends to Policyholders 1,250 Income Taxes 554 Net Income $ 2,977 ## 2005 Premium $31,948 Less: Dollars for Claims 23,618 Expenses for Paying Claims 4,292 Service and Administrative Fees 6,334 Underwriting Gain or (Loss) (2,296) - Yes, they LOST money in 2005 Plus: Investment and Other Income 3,057 - Again, balanced by investments ## Income Before Dividends and Taxes 761 Less: Dividends to Policyholders 0 Income Taxes (86) Net Income $ 847 ---
**Author:** ![Inigo\_Montoya](https://sea3.discourse-cdn.com/straightdope/user_avatar/boards.straightdope.com/inigo_montoya/32/124_2.png) [@Inigo\_Montoya](https://boards.straightdope.com/u/Inigo_Montoya)\ **Post date:** [June 11, 2007, 5:40pm UTC](https://boards.straightdope.com/t/state-farm-is-a-bunch-of-fucking-crooks-and-liars/407140/40 "2007-06-11T17:40:00Z")
[QUOTE=Don’t Call Me Shirley] Odd how your default assumption with lawyers filing suits is that they are all greedy predators, but the default assumption with insurance companies is that they are not. [/QUOTE] One group is tasked with upholding a written legal contract, the other with assisting someone else in getting paid–[for a price](http://www.consumeraffairs.com/news04/2007/01/ms_state_farm.html). > [@](#): > > (Judge) Senter’s objections included the complex claims procedure outlined in the settlement, which he said might be hard for the lay person to understand. He also raised an eyebrow at the $10 million to $20 million in attorney’s fees included in the settlement. [QUOTE=Don’t Call Me Shirley] Frankly, not relevant. [/QUOTE] You’re right. It should have been explained to you in terms you understood (not “technical terms and shit”) why your claim was being denied. My point was that, however unfortunate, this event seems to be largely an exceptionally poor customer service experience. But it’s probably no more idicitaive of your being robbed by “a bunch of fucking crooks and liars” than a shady attorney indicates that all in the legal profession are greedy sharks. But again, you’re right–it doesn’t change how things went down for you. [QUOTE=Don’t Call Me Shirley] Actually, I think your statement is more likely to disgrace the Dope. You have no way of knowing whether there was/is a conspiracy. You can safely say that you personally have never been involved in one, but that’s it. [/QUOTE] I have also never personally been involved in conspiracies to keep the Stanic rituals of the Masonic lodges under wraps, nor was I involved with any plots to put a scorpion in George Bush’s shoes. Pretty sure none of that’s going on either. If there were any such practices/conspiracies then they would be illegal. As State Farm and many other insurance companies are still in business then it must be assumed that there are no such accepted illegal practices. Mistakes? Errors in judgement? Inexperience? Sure. But malicious bullying of paying customers who have every right to take their business elsewhere? Doesn’t make sense. And as I’ve said, all of _my_ claims training has been centered around “When in doubt, err to the benefit of the customer.” So, no proof for the “fucking crook” hypothesis, legislation deterring such activity, and personal knowledge of the industry and its practices suggests that you just got some sorry service, which does indeed suck. I will happily pile on should your first claim adjuter become the subject of this thread. I’m all about making people happy or at least having them understand why I can’t help them–to leave you with a huge, festering, purple question mark over your head is not acceptable. [Previous page](https://boards.straightdope.com/t/state-farm-is-a-bunch-of-fucking-crooks-and-liars/407140.md?page=1) [Next page](https://boards.straightdope.com/t/state-farm-is-a-bunch-of-fucking-crooks-and-liars/407140.md?page=3)