HOW AM I AT FAULT WHEN MY CAR WAS PARKED and NO ONE WAS INSIDE?
March of 2014, I came out of the Flower Hill Giant to find a cart against my right front fender. After living in Maryland for 21 years, the crappy driving and social habits still offend me. I also want to state "entitlement" does not mean you get away with doing something wrong.
Having said all that, I only immediately saw a scratch so drove home to put the perishables away. I later discover that whatever happened, the fender was cracked and needed to be replaced.
The short story is I went to the State Farm's claim assessment place in Germantown. My collision deductible is $500 so I told the lady if the covered amount is not enough do NOT file the claim. It was $640 meaning I get only $140 from them. The crazy chick filed the claim anyway handing me a check for a whole $140.
My renewal is February so in January 2014 I get a Notice of Premium Increase. Get this, because they decided I was At Fault in a collision. Hello, not only was I not in the car, no one was. It was parked and empty. Duh factor to 100 times.
The bottom line to all this is my agent told me State Farm changed its policies in Maryland and they want to recoup anything they have to pay for - even if the policy holder is NOT at fault. Thus, my rate will go up unless I can find someone else to pay for it.
The other change in policy came in 2014 when State Farm began playing games with Maryland Homeowners deductibles. If you don't opt out, your deductible will be a percentage of what they insure the home for. For me, this meant my $2,000 deductible would have gone up to $2,600 and increased each year from there.
So Buyer Beware. State Farm policy holders in Maryland may want to find a better company. Check out the auto insurance comparison information on Maryland Insurance Administration's web site.
March of 2014, I came out of the Flower Hill Giant to find a cart against my right front fender. After living in Maryland for 21 years, the crappy driving and social habits still offend me. I also want to state "entitlement" does not mean you get away with doing something wrong.
Having said all that, I only immediately saw a scratch so drove home to put the perishables away. I later discover that whatever happened, the fender was cracked and needed to be replaced.
The short story is I went to the State Farm's claim assessment place in Germantown. My collision deductible is $500 so I told the lady if the covered amount is not enough do NOT file the claim. It was $640 meaning I get only $140 from them. The crazy chick filed the claim anyway handing me a check for a whole $140.
My renewal is February so in January 2014 I get a Notice of Premium Increase. Get this, because they decided I was At Fault in a collision. Hello, not only was I not in the car, no one was. It was parked and empty. Duh factor to 100 times.
The bottom line to all this is my agent told me State Farm changed its policies in Maryland and they want to recoup anything they have to pay for - even if the policy holder is NOT at fault. Thus, my rate will go up unless I can find someone else to pay for it.
The other change in policy came in 2014 when State Farm began playing games with Maryland Homeowners deductibles. If you don't opt out, your deductible will be a percentage of what they insure the home for. For me, this meant my $2,000 deductible would have gone up to $2,600 and increased each year from there.
So Buyer Beware. State Farm policy holders in Maryland may want to find a better company. Check out the auto insurance comparison information on Maryland Insurance Administration's web site.
