You won’t believe it even after you’ve read this story; however, it contains excellent advice! Document, document, document your problem is the only way to avoid needless arguing with your insurance company. If insurance companies truly are as great as they claim, would they need to spend billions in advertising? Wouldn’t you just be going to them like you do to Nordstrom – based on reputation and a good product? – Roxanne
State Farm Will Believe You Hit A Deer When You Serve Them Venison Steaks
By Laura Northrup
June 14, 2012 8:10 AM
Sean hit a deer with his car a few weeks ago. We believe him, but his insurer, State Farm, doesnt. Its not like the deer, which disappeared into the woods, is going to stop by his agents office and testify. So they were going to use his collision coverage, which would result in an increase in his premiums or even cancellation for daring to use the comprehensive policy that he was paying for. But Sean is a lawyer, and he fought back.
“On June 1, 2012, I struck a deer while my 2003 Ford Focus ZX5. It happened on a rainy evening, between 7:30 and 8:00 p.m. as I traveled on a wet, winding, hilly road in the heart of Pennsylvania farm country. As always I was on the lookout for deer. Unfortunately, as I rounded a sharp curve, which also marked the crest of a low hill, I spotted a deer in my path, perhaps 10-15 feet away. I braked as much as I could without skidding and tried to steer around the poor creature. Unfortunately, though, my right front bumper impacted the deers right hind quarter. As I had been able to slow to approximately 20 mph, the bumper merely lifted the deer, tumbling its tail section onto the hood. Then the deer became airborne, flew off to my right, and then down a heavily wooded, overgrown hillside where it disappeared.
The impact was powerful. There was damage, though. The right front side of the hood was crumpled and the bumper appeared to have lost a small bit of paint. Deer hair clung to the bumper.
After doing a bit of research to assure myself State Farm I am a 10+ year customer who has never made a claim I filed a claim. There would be no rate increase because I had purchased comprehensive coverage. My collision policy would not apply.
Things went well and moved fast. I soon had the estimate, State Farm had arranged for a rental car, and the final approval would soon arrive.
Except thats not what happened. The next day, I got an early morning voice mail from State Farm. Great, I would receive the final all-clear, to get the car to the body shop. Except thats not what happened., Instead, the male voice stated there was no evidence my car struck a deer and, as a result, State Farm was going to process the claim under my policys collision coverage with its $500.00 deductible and promise of a huge rate increase or policy cancellation.