Welcome (I guess) To My State Farm Nightmare.

Hi. My name is Ryan.

On July 21, 2016, 6:55pm I was in an accident in which a van rear-ended me at a stop and sent me into the car in front. The guy who hit me admitted fault, and had State Farm insurance. I figured that, because I also had State Farm, this was going to be a relatively straightforward process.

Today is November 1, 2016. I still haven't been compensated, and haven't been able to secure very basic information from a claims agent. After a great deal of frustration, I decided to make this blog so I don't have to re-explain everything to every new person I speak with over the phone. I also will leave it as a testament to a pretty horrible experience. I'll update it if it gets resolved successfully, and if State Farm actually fixes anything that would reduce the chance of what I can only describe as a systemic, comprehensive failure at multiple points of contact.

I'm not angry about the total loss payment. I'm angry that I can't get basic information about coverage for my rental. Doubly angry because I'm starting to see pending charges from Hertz, which are either because the coverage for the rental has lapsed, or because it's fraud (and a separate headache).

I'll try to break this up into parts. Will fill in more details as I have time/energy. Hope this gets resolved before I need to do that.

Summary Timeline of Events

Part 1: Reporting The Accident

Part 2: Waiting For Approval for Repairs

Part 3: Rental and Repairs

Part 4: Totalled

Part 5: No Communication

Part 6: New Claims Agent

Part 7: New (Old) Claims Agent?

Part 8: Limbo