1 /5 R Sy: I was a State Farm customer for 15+ years and recently received a non-renewal letter. I thought for sure it was my homeowners policy from the hail storm in July. Nope! This was for auto. So here’s our auto claims history for the entire household for the past 3 years - 2 deer claims and one hail claim. In all of the prior years, we only ever had one other claim - also a deer. So all comprehensive claims. To my surprise, my claim history on my non-renewal letter was actually MUCH LONGER! Why? Because also listed on my non-renewal claim history were 6 claims that didn’t belong to anyone in our household. They belonged to another family member that hadn’t lived in our house for 5 years. He also had his own policy. I had asked Lino to remove all family members that had moved out MANY years ago. To recap, listed on our claim history, was our 3 comps (2 deer/1 hail) and then numerous accidents from the family member! No wonder why I got a non-renewal! If that family member lived with me or was driving our vehicles, 100% I should’ve gotten a non-renewal. Our driving history was otherwise clean. Zero accidents, zero tickets. I’ve since left SF and in the end, it’s ok. I found insurance elsewhere for $125 cheaper/month. Yes - that’s per month. When I told SF I got it much cheaper, I was told it’s only to get you to sign up and then the rates will go up. Well - SF - you do that too. lol. Sounds like I was paying a ton more all along for that other family member. Thanks SF!
KEEP READING - there’s more! One month after my non-renewal, a different family member got a non-renewal for his auto policy. What did his claim history show? Everything that was on my non-renewal (all 9 claims!). Why?! None of us live together and NONE of those claims belong to him!!! He has also been out of our house for over 5 years and has ALWAYS had his own insurance. Why the heck are we all showing up on his policy? When he called to inquire he was also told by Alina - there’s nothing they can do. What?!
Two weeks later - they’ve now called to “try” to work things out with him. How nice of you guys to finally decide to try to do the right thing. Probably should’ve helped me too. After all, you are in the customer service business. I get it though - doing the right thing would’ve taken too long in my case.
I will say the people that answer the phone at Lino’s over the years (Chris and the prior lady) have always been understanding and as helpful as they can so no part of this is directed towards them - they both get 5 stars. Alina was ok until confronted (in a decent but frustrated way from my end). What truly bothered me was not once did I hear “Im so sorry, he should not be on your policy, let me see what I can do” or even “I can understand why you’re frustrated”. Either would’ve been fine. But nope, didn’t hear anything close to that.
