Seriously starting to consider consulting with a lawyer about State Farm Insurance and Scott Garvey, the agent(s) that’s been screwing around with me.

1) I got a letter from the Maryland Insurance Administration concerning my protest of their rate hike on my policy, for damage to my car while it was parked in front of my house, that was caused by a neighbor. State Farm (you may recall) said they were raising my rate because they had to pay out. Yes, because I chose to work the claim through them rather than the other agency I did not trust. But they got their money back from the other agency, including my deductable. So the MD Insurance Administration apparently got them to agree to roll it back and refund the extra.

Well, it’s been two months and not only have I not seen a refund, the next six month bill came last week and it is Even More than the previous one. So soon I will be sending another letter to the MD Insurance Administration, basically telling them that State Farm is giving them the finger.

2) Whilst shopping for another insurance carrier, I discover that State Farm posted my claim to the Lexus-Nexus database as an “accident” claim rather than a “comprehensive” claim. That’s significant because “accident” raises the rates other agencies will quote me. But since the car was parked when it happened it should have been posted as “comprehensive”. So I’ve been given a number to call Lexus-Nexus and now I have to challenge that too. Which of course I will.

Enough of this crap and you get the sense that it isn’t merely bureaucratic clusterfuck, it’s policy and the company really is predatory by nature.

[Update…] Even allowing that I’m being quoted higher prices because State Farm posted my claim as an “accident”, the prices I’m being quoted for the same coverage are still Hundreds of dollars less over a six month term.