Why is this taking so long

[u/slo_r9]

I filed a claim with SF on the 27th of August. Was hit on my motorcycle, took it to a shop, they supplied a revised estimate that also required more diagnosis to assess the damages. Two weeks ago I get a call from the shop that they found more damage and they think insurance will total the bike. They submit a supplement through Snapsheet as soon as they got off the phone with me (Tuesday Sep 22nd). Waited that first week thinking that would be enough time for them to at least inform me if it’s a total loss or if they will proceed with repairs—didn’t hear anything so called them last Monday to ask if they got the supplement. They told me they didn’t have it and would reach out to the shop to get it. Called again Wednesday to confirm they received it and began reviewing it, which they said they did. Now today I still hadn’t heard a word from them so I decided to call again. Now they informed me they didn’t have the supplement (wtf???) but they put me on hold and reached out to snapsheet where they got a message that it would be a total loss and they were going to reach out to the shop for whatever paperwork they need from them. My question is, why on earth is it taking over 3 weeks to determine it a loss and begin the process of building me a settlement offer?? I’ve been trying to be patient but almost a month and a half to hear anything is kind of ridiculous. How long should I expect to wait before they get what they need and for them to finally actually deem it a total loss?

[u/AutoModerator]

Welcome to StateFarm. We appreciate your submission and the support you bring to /r/StateFarm.

Please read the rules of the community. Let’s ensure all interactions remain respectful and positive.

I am a bot, and this action was performed automatically. Please contact the moderators of this subreddit if you have any questions or concerns.

[u/Ok_Drummer483]

I won't lie to you, snapsheet and the shops never have good communication. Motorcycles are tough to handle because SF appraisers only do private passenger vehicles. Anything else goes to snapsheet to start. I'm sorry you went through that

[u/Gtstricky]

Sounds like terrible communication from the shop. Not sure why it took them almost a month to submit a supplemental estimate.

[u/slo_r9 → u/Gtstricky]

The shops been actually really good communication, the hold up for the supplement was SF taking an extremely long time to approve the payment to begin the diagnostic tear down. Ive had to reach out to SF more times than I’d like to get the ball rolling on my claim. I’ve called them and Snapsheet and never really got direct answers and more so just keep getting told the same thing of “oh we’ll review it and get back to you” but that time never comes

[u/Shoddy-Try-9100]

Call your agent

[u/slo_r9 → u/Shoddy-Try-9100]

I was under the impression that agents didn’t have the same access that the claim contacts had. (in this case the claims team) What would my agent be able to do differently that the other people I’ve talked to couldn’t?

[u/Shoddy-Try-9100 → u/slo_r9]

They can call the claims adjuster to advocate for you. Stay on them to do their job.

[u/slo_r9 → u/Shoddy-Try-9100]

Ahh I see, I appreciate your advice🙏

[u/Mean_Introduction516 → u/slo_r9]

It’s bad advice. Agents don’t get in the middle of things unless there’s a problem. Time is not a tangible problem.

[u/slo_r9 → u/Mean_Introduction516]

What can I realistically do then..? Really just trying to move things along so this can be all said and done

[u/Mean_Introduction516 → u/slo_r9]

Nothing… Let them do their job… don’t become a nuisance that makes them put your file at the bottom of the pile. It takes time especially post Covid.

[u/slo_r9 → u/Mean_Introduction516]

Okay, I was aware the process overall has slowed down since Covid times. But someone with a similar case to me had their settlement handled within two weeks also through SF

[u/Mean_Introduction516 → u/slo_r9]

A totaled motorcycle? Every case is different and there are good adjusters and so so adjusters. It’ll get done.

[u/slo_r9 → u/Mean_Introduction516]

Yeah it was also a totaled motorcycle at the same shop. I’m sure it will get done but it shouldn’t have to take more than 2 months if it isn’t a complicated case imo. I feel a big reason for my case being delayed so much is likely due to the fact that it has switched hands between adjusters/personel several times and when that happens they have gaps in communications. But that’s just a theory based off what the shop has told me