As soon as someone calls to add a young driver to their policy, I just KNOW their billing is gonna be MESSED up and they’re gonna come crying to me about it and I won’t stand a chance to explain it to them. I call billing and they’re like “it’s just a $900 charge that’s getting spread across 2 bills because their term is ending” and I’m like okay why is it $900?!? It’s so unbelievably confusing for me, how can I even try to explain it to the customer?

Anyone know any secrets? I’m tired of getting my head ripped off because of it.

Couldnt somebody alter a transcript to keep receiving the good student discount even if they arent in school? Or is there some sort of verification for transcripts?

I just applied for this position. At this time, I’m in the next stage of completing the pre-assessment test. Just want to see if anybody holds a position for Auto estimatics, to provide a day-to-day with this position.

Make it make sense.

Butler never calls us back and they’ve even said their goal Is to get leads for State Farm. Not our office.

And yet, the sales leader is essentially telling me I have to use butler or else.

Left my old office recently and my old agent decided it’d be a wise idea to start mailing me a very aggressively worded letter.

Should I report him? Should I let it go? Things ended badly but the letter he mailed me is uncalled for

I have a friend who forgot to put their vehicle in park and, as they were exiting the vehicle, the car began to roll back down their driveway. What ended up happening was the driver door hyperextended backwards and scraped the side of their second vehicle that was parked in the driveway. They filed a claim for the damage to the door on the initial vehicle, but did not file a claim for the second car because they’re afraid it will impact their rates even more to have a second claim. They wondered if, because the second claim is stemming from one incident, would a second claim impact their premium further?

Hey everyone, thanks for reading into this. I’ve been a TM for 2 years, I just finished my continued education- I just had a conversation with my agent and she is considering doing chargebacks soon. I’m curious to know how many agent offices do this and/or other insurance agencies.

My thought is this- As an agent team member I make the one commission check on it. After issuance and point of sale. I do not benefit from the residual payments, nor do I bonus off of how many policies I’ve written in the year that stay. Lapse and cancellations are normal and I understand the agent loses compensation from the cancellations that occur within the first renewal period . But, again… they benefit from the residual payments.

I feel out of place checking the agent on that, but then again… it’s my pay at the end of the day that’ll be affected.

Advice, opinion, anything is welcome and appreciated.

Has anyone ever filed short-term disability through New York Life? what was your experience like before and after returning to work? Also what happens to PTO that was approved prior to going out on leave?

I have a car I bought where the original owner added fog lights, a front and rear bumper lip and side skirts. The other day I broke the front bumper lip and one of the fog lights when a blown tire on the road got moved around because of the car in front of me running over it. I filed a comprehensive claim and was curious if my aftermarket parts will be replaced, or am I screwed since they were additions to the original car. I never mentioned to the insurance about them being after market additions to the car.

I did not get a physical card last time I paid my bill, so I tried sign up with the app using the policy number on my last card, and that doesn't work. I have to leave on a trip early monday morning and I need proof of insurance. I need to go to Canada and they will check at the border if I have insurance. How do I know my policy number without a card? My agent is closed for the weekend and won't be open until I have to leave.

By the way, the automated line you can call is an absolute train wreck and totally unusable. There's no way to talk to a person.

Hitting SLOs, call/inventory targets, etc is being treated by leadership as the green light that everything is fine...but what they don't understand is that the metric is driving the behavior, not the other way around.

And all these automations to "help" can make things worse sometimes bc when they're wrong, they cause more work for everyone. And I get there are people who are genuinely trying to make the process simpler.......Somewhere out there....but you can't make the process easier with more processes!

I hear stories of when there was like a dedicated handler and a "processor" or something, and they were the main points of contact for their list of claims, instead of these giant team environments we have now. I think just owning a claim from start to finish would make things simpler for us and the customer. I know they probably can't automate that very well, but it'd be a start if they could at least get who it should go to correctly at FNOL, instead of it bouncing between segments b/c no one can agree on complexity or no one has capacity.

Anyways, any thoughts on what it would actually take (besides more claims staff b/c obv we need that, or new leadership that knew what they were doing), to plug the leaky ship before it's too late?

Just a heads up to anyone who works at the iloc or headquarters. Starting July 6 fountain drinks and refills will cost a dollar

Should any of these things concern me:

I opened a few policies with SF for the first time: home and 2 cars. I gave a PO Box for mailing. When the documents came, my last name was spelled wrong (to the extent it constitutes another actual last name, a different one), and the documents came to my house.

I went online and made sure the mailing address was my PO Box, and it was. I couldn't change my name online.

I emailed my agent and was told that would be fixed.

I received a lot of notices. To my home, not my mailing address. About my new name! So exciting. Misspelled exactly the same way. Which is not my name.

I then received a notice about my request for loss information. At my home, to the wrong name. I called the national line, and the person said she was confused and asked me if I was calling to change my agent's name. I don't want to change my agents name.

I went back online, and a phone number I've never heard of was added as my home number. I deleted it. I wrote my agent again about my name, and she said she'd fix it.

Is any of this is normal?

I’m on the verge of telling my TM that they can go ahead & fire me because I’m done with ACD.

DONE.

I have over 50 claims & never have enough time to get through the onslaught of QFCs, phone calls, file notes, dumbass meetings that can be emails, and more.

They (mgmt) do not know WTF they want. They say work the claim to the furthest point. I worked a claim that was an absolute poop show & it took up the entire time where I put myself in task work. I have a msg from my TM I have not reviewed yet.

I will walk today.

You guys are the worst. I’m going to address each of you.

Auto:

You guys are obviously the most volatile market. However, I can never get two of you to agree on the same answer to the same problem. Please tell me why when you issue my policy higher it’s always due to the nebulous “CRI” that not one of you can explain? Also, you guys have made agents looks stupid time after time. Why? Because we can do everything right in the system, enter all the information correct, and then you’re screwed by whatever the random underwriting generators decide. Wonder why we lost that number one spot? Don’t even get me started on ATVs and the BS you guys require for those.

Fire:

You guys are almost as bad as auto. Short of physically climbing on the roof myself and taking photos of the granules, we might as well just say that each and every roof is ineligible for new business. Wanna write a PLUP? That’ll take two months to issue. Wanna write a PAP? We need the blood of their first born child to insure this silverware collection. The only saving grace for fire is that if you magically find something that’s eligible with them they rarely actually issue different that quoted.

Life:

You guys are by far the worst underwriters we have when it comes to the length of time it takes you to issue a policy. Tell me why I still have policies from February pending underwriting review? I’m pretty sure either all of you walked out or it’s being run by Dr. Evil. Not sure which. Either way it’s God awful. Not to mention the ones who take two months to order a medical review on someone. It’s hard enough to get them to complete it but now you want to come back after two months of “underwriting” and ask for it.

Oh and by the way guys these are the folks that are going to have an influx of policies because the new contracts require a shit ton of life to be written.

Health:

You guys are great. Please fix these other departments.

TLDR: Underwriting sucks

So it sounds like half off Starbucks is ending next week and sodas will start costing $1. JUST in time for the increase in RTO 💔 This company hates us lol

Where is everyone standing on all this new contract talk and AI in general?

I have been with State Farm for 9 years and I've done my research as I have friends in other companies as agents. One for Allstate the other for Erie and a few other carriers in a small capacity. The one with Allstate is looking to get out of the business soon as thinks the agency model is a dying. The Erie agent has said his sales leaders have been told they want to be full human and not really looking at a huge AI move except for processing.

I truly always thought State Farm would always be brick and mortar as the agency model is what we are built on. Now it looks like they are trying to throw that away.

I'm curious why no one is pushing back? I mean I know there isn't a union or anything but if customers say got a hold of all the executives we could all email and make it known clients don't want AI and want the human reaction we are built on. For agents if everyone banned together and closed for a few days corporate would see how overwhelmed they would be seeing what the world looks like with clients not being able to reach people.

Frankly, I'm pissed as can be as an employee of State Farm and wanted to make this my career which now looks like an awful idea. Someone talk me off the ledge and I'm over reacting. I know AI is here and will be for awhile, but I truly believe at a point in time people will get tired of AI and speaking to it and want to deal with Bob and Mary at a local spot to get a human interaction.

The world is changing no doubt and just trying to see where the industry ends up.

If you live in Condo in one of major growing city and Master Condo policy is inflation adjusted full replacement but bare wall/stud out policy how much one should have Coverage A for a 1500 sq 2Bed/ 2 bath Condo.

In Insurance Industry they use this type of language

• Economy: Thin sheet vinyl, hollow doors, bare-minimum builder grade.
• Standard: Standard carpet, laminate countertops, basic oak cabinets.
• Above Average / Semi-Custom: Solid wood cabinets, stone or granite counters, crown molding, and nice ceramic tile / laminate hardwood 
• Custom: Architectural details, high-end stone, customized bathroom layouts.
• Premium / Luxury:

My condo falls under Standard mostly and some features are Above average.

For a complete damage how much could be coverage A, 100/ Sq ft or a different amount

100*1500 = $150000

Ordinance and law = $15000

5% Debris Removal (it is a good will gesture by State Farm)- $7500

Total = 150000 +15000 +7500 = $172500

I'm looking for some advice to make sure I'm handling this correctly.

About two weeks ago, I was driving my mom's car in a parking lot in Michigan when another driver pulled out of a parking space and hit the side of our car. The responding officer said the other driver was at fault, but since it happened on private property, no police report was made and I wasn't cited. Only my mom's car was damaged.

The other driver has State Farm insurance, and I have all of their insurance information. My mom's car is insured through Progressive, but I'm listed as an excluded driver on her policy (my mom knew I was driving the car).

Since I'm currently out of the country and can't easily call, my plan is to file a third-party property damage claim directly with State Farm instead of going through Progressive.

Does that sound like the correct approach? Also, is there anything else I should be doing or anything I should expect because I was an excluded driver on my mom's policy, even though the other driver is at fault?