State Farm® Insurance Agent Jim Goldsworthy

"Worst insurance company ever!!!!!!! I have lived in nine different states and even a few other countries and this by far is the worst insurance company I have ever dealt with. First they underinsured me, and now due to the pandemic and the tariff wars they are refusing to give me an extension on the claim. They owe me 24,522.20 I have a couple years of documentation, recorded conversations I will be posting along with the full story on how disgusting State Farm has treated me and my family the last couple of years. Also I found this wonderful resource called united policyholders I’ll be posting information from them to help policyholders from being taken advantage of from a system that’s not a level playing field. Remedies for the underinsured include negotiation, litigation, mediation, confidential settlements . In some cases, policy limits get retroactivey reformed to what they should have been in the first place, and the policyholder pays the difference in premium. Most underinsurance cases that are successfully resolved for the policyholder are settled confidentially so there is no record or public viewing of the outcome. Why do insurance companies consistently underinsure people's assets? Insurance companies compete for your business and know three things: 1) Most consumers want to pay as little as possible for insurance, and 2) A fast sale is the best sale, and 3) Most homeowners know only very basic info about their homes. Insurance companies want your business. They know total losses are very rare. Most people never have one. So to close sales quickly, they chronically undervalue dwellings and gamble you'll never have a (rare) total loss and find out you're underinsured. And, they know that if you do have a total loss and find out you're underinsured, you will have a hard time winning if you sue them. This scenario has been repeating over and over. Disaster survivors and their communities pay the price. Yet until the consumer has a total loss, they are living with a false sense of security about the adequacy of their coverage. At the point of sale, insurance companies and their sales reps are the ones setting the policy limits. They are the experts, they hold themselves out as the experts. Consumers reasonably rely on their insurers/agents to handle the transaction competantly. In almost every case, an insurer or agent asks a few questions about the property, inputs the answers into a software program and it spits out a policy quote. They issue the policy and cash the premium checks. But when policyholders come up short, suddenly its not their problem. Suddenly history is revised and the customer was the insurance expert. Absurd. Shouldn't the consumer be able to rely on the expertise of an insurance company and its sales agents? UP certainly thinks so. And we've argued exactly that time and time again in courts, legislatures and the media. Would you buy insurance from a professional that told you they couldn't make an insurance recommendation? Again, absurd. Why does this scenario keep repeating when UP and so many disaster survivors are speaking out about it in the media, courts and legislatures? The reason this scenario keeps repeating is there is what we call a "legal fiction." Law based on a story that keeps getting told that just isn't true. The fiction that the property owner sets their own policy limit. That is false, yet courts routinely rule in favor of insurance companies and agents on this point. Insurers paint a rosy picture in ads that tout their expertise and honor: "We'll put you back where you belong" They label their products "Deluxe Home Replacement Policy." With regard to responsibility for setting adequate insurance limits, LAW DOES NOT REFLECT REALITY. Reality is, insurers do the math and set policy limits. Reality is insurers know what it costs to repair and rebuild homes - that's the business they're in. Our laws need to change, and UP is working toward that goal. Better business Bureau website states State Farm is not accredited. They are evil."

"Got a quote from them September 19th. I approved the quote and stated that I wanted my policy to start with them. Thought everything was handled. Emailing with them is like pulling teeth. Told them three times start date of policy. Now found out they declined me on bad info. Asked why this wasn't done in September and was told "you were approved then, not sure why now, we respect your decision to shop elsewhere". Now I have to scramble to find someone else before policy ends in a week."

"The experience that I had with the sales person was beyond great. It happened during a busy busy time for me and he did not push me. He let me call him back when I had the time. He did not rush me nor did he try to UP sell the insurance policies. Nic could not of been more patient and helpful than any sales person I’ve dealt with in the past and I’m an old old lady :-). Thank you to the sales team and the management team that helped me save a great deal of money and made it pleasant to change carriers"