Are you in the market for car insurance? If you are, here’s my opinion being voiced. STATE FARM SUCKS! ESURANCE SUCKS! End of story.
So why am I being so negative against these 2 auto insurance companies. Let’s review a small story that is one of reality too.
Back in December, I was involved in a front end collision with a young girl, 17 years old to be precise. Anyway, I was heading back from Maryland one evening from dropping my brother off to work. I was on a back road that had a 50MPH speed limit and although sometimes I drive at about 60MPH, I don’t drive that fast by myself at night. I remember precisely doing 55MPH. Within’ 100 feet of the girl’s home, she decides to pull out (which is TOO LATE to pull out if you ask me.)
So in essence, to avoid a collision I tried to maneuver around her in the oncoming traffic lane. She decides to make a turn about 100 feet from her house, but, what she did not do was initiate a turn signal telling me that she was going to turn left. Right when I leveled out with her she makes a quick maneuver to turn and results in me running into her.
In the end, I ran into her and we have an accident. The fender, shock and passenger bumper took a good hit and so did the mirror. The wheel and the front end of their FRIEND’S TRUCK was damaged.
In the end, I was charged with the accident, the auto insurance company pays for her damages and everything. What do I get, a $90 fine and the worry of having to fix the car for my brother. BUT, here is the catch… in my recorded statement with ESurance, the lady told me that in the State of Maryland, if one driver is found to be at least 1% at fault, the other person’s insurance company has the right to deny fixing the other person’s vehicle.
Now review the facts of why I believe she is at 1% fault and shouldn’t have been covered:
1. She is 17 years old driving the vehicle, I thought you had to be at least 25 years old to drive a vehicle without someone’s permission. And what gets me is that they requested for us not to contact the guy until they did. I feel they said this to naturally have him consent to her driving the vehicle.
2. She pulled out too early
3. They had an “independent witness” who I don’t know who it was because of the fact that there were NO CARS AROUND!!!!
4. She did not use a turn signal
So why was she covered and I wasn’t, EVEN THOUGH SHE WAS 1% AT FAULT
The voice of the officer made that decision, in the entire police report, I was pointed to as the one at fault because I tried to maneuver around her in a double line zone.
But realize this, WHO PAY’S ATTENTION TO THE ROAD MARKINGS WHEN YOUR CLOSE TO HAVING AN ACCIDENT?
So simply, I was screwed out of this entire thing.
SO WHY DO I THINK THAT ESURANCE AND STATE FARM SUCKS!
Because, I tried to explain to the lady from Kareema from ESurance and she constantly made it all seem like it was MY fault before the police report was even released. Now, when I called State Farms Claims Dept. - they were against me to and tried to act like it was my fault. So you know what, that’s State Farm’s problem, they paid it not me so whatever.
So in conclusion, for anyone shopping for auto insurance, I highly suggest you not mess with either company as my story makes apparent, she was 1% at fault so I feel that State Farm shouldn’t of covered it and she should have to pay for the damages that was her fault.
With that being said, I want to make it noticeable:
State Farm and ESurance, You Both Suck!