r/StateFarm

I’m hoping someone here has dealt with a similar situation because I’m completely stuck between my insurance company, the DMV, and two lenders.

Here’s the timeline:

-Car stolen: September 2, 2025
-Car deemed total loss: October 2025
-Have been paying $200/month car insurance + 7 visits to the DMV and countless calls with Statefarm

I originally financed my car through Honda Financial.
I later refinanced with Bank of America, and Honda was paid off.

Unfortunately, the title was never updated to reflect Bank of America as the lienholder before my car was stolen.

The car was reported stolen to the police, never recovered, and has now been declared a total loss by State Farm.

I have since paid off my Bank of America loan completely, so there is no outstanding loan anymore.

Honda has provided me with a lien release.

Here’s where I’m stuck:

The title I have is not “perfected.” It still reflects the incomplete transaction from when the refinance happened. State Farm says they cannot pay my total loss claim until they receive a perfected/clean title. They will not accept the lien release to move forward.

I went to the DC DMV, and they initially told me I needed to obtain a salvage title. However, to get a salvage title, they require the vehicle to be inspected which is impossible because the vehicle was stolen and has never been recovered. They can’t update the title either bc in the system it’s flagged as “stolen.”

So now I’m stuck in a loop:
State Farm won’t pay because the title isn’t clean.
DMV says they can’t do anything. They’ve actually reached out to the police department to remove the flag so they can update the title but that’s been 2 months ago and I haven’t heard anything back.

I can’t get an inspection because I don’t have the car.
The car can’t be recovered because it’s still stolen.
Has anyone in DC (or another state with a similar process) dealt with an unrecovered stolen vehicle where the title wasn’t perfected after a refinance?

Specifically:
How did you get the title corrected or perfected?
Was there a special DMV process for unrecovered stolen vehicles?
Did your insurance company eventually accept another form of documentation?

Ive spent sooo many hours at the DMV trying to figure this out. I appreciate any insight or suggestion.

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.

My car is in the shop for the next 5 months waiting on a part, so I bought a junker to drive until it's fixed.

I added the junker, mentioning that my car was in the shop but I still want her covered (in case a tree falls on the dealership or something like that), and added the junker to my policy.

And now my rate (which was already exorbitantly high, but I like State Farm and wanted to stick with them) has doubled.

I was under the impression that since I didn't add drivers, all adding a second car does is distribute the liability (it's all on me no matter which car I'm driving, but I CANNOT possibly be driving both at once!!!), not double it.

My agent has been off for an extended vacation.

Is that standard, to just double the price of insurance if you add a second vehicle?
In that case, why bother calling it a multi vehicle policy.... they're basically charging me the cost of two completely separate instances.

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?

I work at state farm and taking time off is horrible. They just made it so difficult, is there any tricks to get it off easier. I just tried to get time off for a week a minute after july opened and i cant becuase its all taken.

After taxes I'm making $2400 a month and I only accepted that because I'm new to the industry and thought I could work my way up to a raise. I'm living with parents because obviously I can't afford to live anywhere else. Since the changes have come out, our office is constantly worried about the budget and already fired someone. I think they're keeping me because I'm so cheap. I don't know where to go but I came into this job not really wanting to do it in the first place, just to get on my feet for a while. I can see how people in sales could make more but I'm mostly doing customer service.

I'm debating now on pivoting to a different career again or looking for a different jobs, near St Louis, maybe at an independent or just related and in sales. Any advice?

Edit: Also wondering if I do interview somewhere what would be a good amount to ask for with base pay? As someone who's been in the industry about 6 months, and has L/H and P/C licenses.

Originally I was on my father’s statefarm had issues with the current office so me and my wife decided to open our own account.

I have had some traffic violations 3 of them. When we first decided to open our account the agent called us about the traffic violations and said he didn’t see them and would give us a revised quote. He called back and we set up the insurance based on those traffic violations we signed off and was insured for the month of June.

Later today we got mail stating that our insurance had been canceled because “ the driving record shown below was not fully divulged on your application for insurance and its disclosure would have made you application ineligible“.

The issue is that information pertaining to speed violations was given to statefarm. This puts me in a weird situation since now I have a lapse in coverage and need to get other insurance.

Is there anything I can do or talk to someone who can help assist me in my situation. Is there upper management to any statefarm office that I could talk to. Does anyone have any useful information that could benefit me.

Thank you.

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

Had Two Repeat Customers Today, State Farm Insured, State Farm Told Them Our Shop Was Not On Their Preferred List and If They Used Us It Would Cost Them Money Out Or Pocket, Blah, Blah, Blah, I'm Sick Of It, I'm Hearing This Once A Week From Customers Being Told This,, I Even Had A Customers Car Already Towed To My Shop and they Said U Sure U Want To Keep It There They R Not A Shop Of Ours, Luckily Thay R Good Customers And Said They Dont Care They R Using Us For Repairs, This Crap Has To Stop Its Getting Worse Then ever.

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?

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

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.

I’m doing some personal research on how accessible financial products are for people who’ve recently moved to the US, and auto insurance keeps coming up as the hardest one.

The thing I can’t get a straight answer on: when someone arrives with 10+ years of clean driving history abroad and proof of continuous insurance in their home country, does any of that actually count at rating? Or do carriers (including State Farm) treat them as a brand-new driver with no history regardless?

A few specific things I’m trying to understand from people who actually quote and write these policies:

**•**	Does proof of prior foreign insurance count toward a continuous-coverage / prior-insurance discount, or does it have to be a US carrier?

**•**	How much does having vs. not having that history actually move the premium for an otherwise identical driver?

Not looking for a quote, just trying to understand how this really works from the inside. Appreciate any experience people can share.

In July 2024 and October 2023 I had speeding tickets. Can I have a judge expunge this or give me traffic school so they can be taken off my record so my statefarm insurance could be cheaper?

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.

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?