James's complaint:
August 26, 2012

Insurance Company: State Farm Insurance
Coverage Type: Auto/Boat/Motorcycle

• Claim Handling - Fraud

Son was rear-ended by a State farm client who was tailgating him on a canyon road. State Farm client was given a citation by police for following too close and was found at-fault by police.

State Farm took a statement from their insured but no statement from my son or his passenger. They did not get a copy of the accident report. They found my son at fault in less than half a day and refused to pay for our damage.

I finally found someone at State farm who said the investigation was handled inappropriately and that they would lose if the case went to arbitration. She reopened the claim, got a copy of the accident report, took a statement from my son. State Farm reversed the decision, but they still found my son 30% liable so they only paid for 70% of the damage. My insurance company (USAA) also investigated and determined that the State Farm driver was completely at fault.

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