VAN INSURANCE

[carringb]

State Farm is the only insurance company I recommend anymore, other than USAA for those eligible.

For the last 2-years, I've had the opportunity to see the "other" side of insurance claims. The tricks/scams that some insurance companies pull should be illegal. In fact, they probably are, but most consumers either don't know, or aren't willing to put up a fight.

Farmers is the #1 offender for weaseling out of claims. Allstate is a close #2. Progressive seams hit and miss. They sometimes deny a claim unjustly, but then when that is disputed the claim then gets elevated, and it seems to go smooth after that.

State Farm is the only insurance company I've dealt with regularly (several times a day usually) and they NEVER try to weasel out of a claim, or make it hard on the insured driver by making them jump through hoops like required them to file a claim with the at-fault party. State Farm simply pays everything, then they do the subrogation on the back-end so you don't have to worry about. I've been very impressed with what I've seen them do, including covering winch-outs totaling thousands of dollars, without any hassle to the driver. I've seen Progressive deny a claim for a winch-out (also around $3,000) because the driver was on a road with a sign that said "NOT MAINTAINED FOR WINTER TRAVEL". Even though the crash had nothing to do with conditions, and was actually caused by a rusted out brake line which burst. It has become so bad, that State Farm is the only insurance company we would bill directly because they always pay. All of the others require payment before the car is released, because non-payment for service became the norm instead of the exception.

USAA has been great form what I've seen, just never had to to deal with them very often.