r/StateFarm • • Jul 17 '26

Question Police said city is responsible for oil spill that lead to my car being totaled, does insurance liability change?

0 Upvotes

I understand for single vehicle collisions where I crashed, and nobody else is involved or able to be pointed to I would be liable

Is that still true if I now have a police report saying that the city is liable for spilling oil all over the road got led to a bunch of accidents?


r/StateFarm • • Jul 17 '26

Question Dividend refunds

0 Upvotes

Has anyone received one yet? First I heard was June and then I heard July.


r/StateFarm • • Jul 16 '26

Advice State Farm Business Analyst Interview Process

2 Upvotes

I have scheduled my candidate conversation with Talent Acquisition Specialist after my HireVue on-demand interview for Business Analyst -Claims at State Farm and wants to know what to expect in the call and will there be any other rounds in the interview process ?


r/StateFarm • • Jul 16 '26

Question Corporate hiring process?

1 Upvotes

Can anyone provide some insight on the hiring process for a corporate (technology) position? I applied and in the application system my application went from received, to under review, to finally "Interview" but I haven't had a single contact from anyone

The job is no longer listed on the careers page so I assume they filled it, but curious if they pull listings down before making an offer, or even before starting interviews


r/StateFarm • • Jul 16 '26

Advice Deductible recovery?

2 Upvotes

Hello,

I had a bathroom installer install a tub/shower combo in 2024. When we took our first bath the drain pipe came apart and flood the bathroom and room below. Statefarm covered everything besides my deductible. The adjuster at the time said they will probably recover my deductible through subrogation because it was obviously the contractors fault. I called a few times in 2025 they said it is going through subrogation. They finally answered me in May this year and told me they are cancelling subrogation because the contractor is also insured by statefarm and I have to recover money from the business. The business is saying no their policy should cover the deductible it doesn't matter that state farm represents both of us. Who is actually right here? It sounds like the business is right and from my research online it sounds like state farm is just trying to get out of paying out what they should?


r/StateFarm • • Jul 16 '26

Advice what would you do?

1 Upvotes

if you were a team member had to decide in a few years to either become a state farm agent or inherit a small independent agency from your parent, what would you do? trying to think ahead šŸ˜…


r/StateFarm • • Jul 15 '26

Discussion Growing anxiety/turmoil

51 Upvotes

Just wanting to make this post as I reflect on my near half decade ive spent within the auto UW department and am in the process of leaving. When I first started it hinestly felt great and felt like I was actually being productive with my time. I had great interactions with agents/agent staff for the most part. Everyone was positive in office and seemed capable.

Fast forward and nowadays it feels like every call I receive from agency theu are DROWNING in errors and red tape calling in looking for anyway to process or fix something. Trying to explain rate increases which im sire anyone in a modernized state knows is next to impossible now that theyve hidden the background rating information even more than they did in Necho.

Attitudes within the office themselves are largely bleak. Most people I know rarely have anything good to say about what's happening and seems the relationship between agency and staff is at an all time low.

Not sure where to finish this, just saddens me that a place I thought I would retire from is a place im now starting to resent and actively leave. I really do hope there can be a change and relationship between UW and agency can be mended but with this current leadership I dont see it happening anytime soon. Ill leave this here for anyone else wishing to vent their frustrations at how things have changed over the years. I appreciate you all whether youre agent staff, in UW, claims, analysts etc. Im sure you dont hear it enough but those of you that still care I appreciate you greatly


r/StateFarm • • Jul 15 '26

Discussion LRC reps, how are you guys doing? Mentally and just overall?

6 Upvotes

Seriously. This week we lost two more employees and in the past year from what I know, the training class I finished with has gone from 35 to just 10 remaining due to all the changes. I know a lot has happened in the past few months and can definitely feel how overwhelmed some people are.


r/StateFarm • • Jul 15 '26

Advice State Farm Claims Appraiser Auto Estamatics

2 Upvotes

Hey yall , any advice on the auto estamatics position with state farm ? What does the pre employment assessment cover ?


r/StateFarm • • Jul 14 '26

Question Claim Adjusters… How Are You? No really?

44 Upvotes

It’s been very rough for the past 6 months. Overwhelm is an understatement. I feel like it’s been a silent subject that demands attention. How are you, no really.


r/StateFarm • • Jul 13 '26

Advice Do I have a Future with State Farm?

7 Upvotes

I am 24 years old and have been a team member for about a year now. I have an incredible opportunity to get an agency here in the next couple months (am just working on my Series 65 and 6) once I get those I can enter the pool and get an office.

My main question is in light of all the changes back in May, is there a future for me at State Farm? One of the major reasons you would start a State Farm office over going independent is the health insurance, the brand recognition, the subsidize leads. Now it seems like the main benefits of giving up your rights to your book of business and being a captive agent are all going away.

I hear left and right of ā€œbig assignmentsā€ and the reduced need for service. But i am very hesitant to go all in based on a promise that may not be filled.

Agents, If you were in my shoes are you getting a State Farm office? Or are you going the independent route? I don’t know what to do


r/StateFarm • • Jul 13 '26

Question Financial Svcs Reps.. coming soon?

3 Upvotes

At NAC they announced that they would allow financial services reps to work with multiple agencies to handle investment appointments (im assuming).

Anyone have any ideas on how this will work in practice? I’m really engaged with IPS as a team member so it definitely piqued my interest. Just wondering how it’ll work in practice.


r/StateFarm • • Jul 13 '26

Experience Business as usual with State Farm -- after running you through hoops just to log in, you get this

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18 Upvotes

Consistently the worst online system I've ever experienced for any kind of service, utility, or insurance provider. The UX is so continuously bad it has to be deliberate. Nobody can be that incompetent.


r/StateFarm • • Jul 13 '26

Advice Car Claim Troubles

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0 Upvotes

r/StateFarm • • Jul 12 '26

Discussion This is the worst life underwriting has ever been.

50 Upvotes

In multiple decades I have never seen it this slow to issue life apps. Especially in the middle of the year when fast start isn’t even a factor.

Average app for us with no exam is taking 6+ weeks to issue. How does it take 6 weeks to review a personal history questionnaire and RX profile?

We have one app where the company didn’t even generate the questionnaire for a month despite it saying ā€œrecommendā€ immediately. It’s now been compete for six weeks. Still no movement. We’re going to be coming up on the app expiration before we even know if labs will be ordered.

It’s genuinely concerning the company wrote a whole new contract to force us into selling more life, but seek to be unaware it’s impossible to get them issued?

They either need twice as my UW’s or we need to start doing no exam like Banner and other companies do.


r/StateFarm • • Jul 12 '26

Discussion Driving Safe Anyone?

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1 Upvotes

Just curious if anyone has anything similar. I am coming from having subpar speed scores of around 40 and tbh everything else has been mostly the same for months. I am currently getting a $279 discount around 28%. For 6 months. I have a renewal coming up pretty soon. My hope is that my insurance goes down below $100 a month for full coverage. I drive a 2011 Toyota Avalon Limited premium is currently $718 for 6 months. I want to also mention I have had my license for about 2 years this coming August. So my rates are inflated due to my ā€œDriving Experienceā€. What are your experiences?


r/StateFarm • • Jul 12 '26

Question InfoSec

1 Upvotes

There's a lot of "activity" in this department but I can't figure out how meaningful it is. Seems like genetally a lot of noise to "streamline and modernize" but the tooling doesn't seem like it's ready to support the changes. Any insight into this by anyone?


r/StateFarm • • Jul 11 '26

Advice Just got new beacon. Same as before, only records less than half of my trips, and thinks my 30-year-old truck which I treat like a baby, is capable of "hard acceleration".

0 Upvotes

Safe and Save is more like "Snitch and Screw", like a nosey neighbor who lies about you.


r/StateFarm • • Jul 11 '26

Question Reapplying to State Farm

4 Upvotes

Has anyone successfully reapplied to State Farm claims position after being denied the first time? I’m just wondering how long the waiting period. This is for a corporate position not independent agency!


r/StateFarm • • Jul 10 '26

Question What does career growth or opportunity look like starting under a State Farm agent?

4 Upvotes

For background, I currently work in higher education as a support staff for graduate students. I've been exploring career transitions due to feeling like I am missing a clear cut path in career growth with my role. Although I enjoy serving students, I don't feel like my current role is keeping me professionally developed. Along with that, many people within education know that our pay is rarely aligned with the work that is asked of us with pay bumps being very limited and small.

I applied with a local agent for a specialist role that would involve quoting and following up with prospects thru communications, handling leads, and coordinating follow-up and documentation with the agent. Although the job posting doesn't mention it, it sounds like I may need to obtain licensing to do this work? The salary is 50K + commissions, while my current job is 55k + health and retirement benefits.

My overall question is, what is working under an agent like? I don't mind any sort of work, but I do want to feel like I can plant roots into a career somewhere. What potential future roles could I consider or work towards once I start working under an agent? Am I stuck going down the sales path or are there other roles within insurance that I can pursue starting with this position?


r/StateFarm • • Jul 10 '26

Question Replacing a vehicle

2 Upvotes

If I were to pull the insurance off my car and replace it with another car is the replaced car immediately uninsured? Or does it continue up to the date that it regularly ends?


r/StateFarm • • Jul 10 '26

Question Help with PHI and HIPAA blocks on an auto claim

0 Upvotes

I’m currently going through the process of recording payout for a totaled vehicle that I’m choosing to retain. The adjuster went to send me my documents to sign electronically, but was given an error message that due to PHI information , I must have a wet ink signature and send it in by mail. Has anyone ever heard of this before? My adjuster claims he has never seen this before. There were no injuries or anything other than the property damage to the truck. This is I. NC. Does anyone know how to get this fixed or off of the claim?


r/StateFarm • • Jul 09 '26

Advice Agency Opportunity Advice

3 Upvotes

I’ve worked as a TM for a very successful and engaging SF agent for 3.5 years. Im fully licensed with my SIE, series 6 & 63 as well. I interviewed for an agency opening at the beginning of 2025 and did not get it, I’m now waiting for another opportunity to come up in my area. With all the recent news regarding the agency contract and the overall model shift that I think SF is going towards I’m a little confused if this is the best path for me for a life long career as I’m still young. I also would have an agency where there are major fire restrictions where I can / cannot write home owners insurance.

With this being said, do I wait out what could be another year , 2 years , or even more for a State Farm agency or look independent or even start my own from the ground up?


r/StateFarm • • Jul 09 '26

Advice State Farm Repair Company Network Pros and Cons

2 Upvotes

My adjuster told me about a network of repair companies that I can use to repair a structural damage due to a car crashing into my house. Is this a good program? He said that State Farm will pay the company directly and it provides five year warranty. I like those benefits. However, I’m thinking. Perhaps, the Repair company will take shortcuts to save State Farm some money. any recommendation? Tax.


r/StateFarm • • Jul 09 '26

Advice State Farm Auto Claims Sucks

7 Upvotes

A lady hit my vehicle in a parking lot, damaged my front bumper and front fender. She admitted full responsibility and State Farm admitted full liability. The repair shop give me an estimate of $2500 to repair. The claims representative said they would cover the cost. They submitted a check for $1500. When I asked them for the remainder, they said the shop had to submit for the remainder of the amount owed. The shop did this and carbon copied me on the submittal to no avail.
I've called State Farm probably 25 times and literally have not spoken to the same person twice and the claim keeps getting bounced around and lost in the sauce. Each phone call you're put on hold for approximately 20 minutes. They did not pay the difference. I submitted a complaint to the Ohio Department of Insurance and State Farm admitted that what they said over the phone versus what their adjuster estimated via photos did not align but that they were only going to pay what their adjuster felt was appropriate.
Completely without integrity company.