“SF Agent” is clueless. What does SF stand for? Surely not State Farm. All “SF Agent” is doing is bashing the big guys\”.
“Am I to understand\” is absolutely right. There\’s nothing in it for State Farm by selling salvage inappropriately. This all has to do with a salvage vendor. I will say this, someone at State Farm is/was asleep at the wheel or maybe even involved in a scam. But to label and “brand” State Farm as cheating their policy holders is wrong. I work in the industry but not for State Farm.
get Bruce Cornblum San Diego \”Calif. Insurance Law Dictionary Desk Reference\” through West Law, Or his abbreviated Auto Version 858 485-8770.Yes he covers LKQ and every attorney in the country should get his books (all casualty law) the auto book is seperate and based on Calif. Law, however it applies to most all states with slight variations. This man single handedly kept no fault insurance out of Calif. in 1979. Good luck and by the wasy , this State Farm thing is just the tip of the iceberg. For more auto info go to http://www.prodiscussions and http://www.ccre.com
This is just another example of SF screwing their policyholders – IMO. This is off the subject, but I had to take SF to court because they would not pay a No Fault Claim. I won – SF was penalized with a fine for the way they handled the claim, and they were ordered to go all the way back(9 months) to the date of the accident and pay what they should have paid to begin with – with interest! SF does NOT care about their policyholders.
Your right, thats exactly what happened. They got caught or knew it was coming, so the fessed up. \”Now let the pay out begin\”, it is now becoming well known, they control every state in the union. The pay off the judges (judicial) the elected officials (both parties) all under the guise of \”campaign contributions\”. No D.A. or city or state will take them on because it screws up there budget for the year. Look at the Avery vs. State Farm case….what was it…3 appeals and 3 million dollars later to the swing vote judge and they pulled it off. Apparently the judge remarked \”I have done nothing wrong\”. We are becoming or will become a third world corrupt nation if we don\’t jump on this immediately. There are other industries this also applies to. You would never know it, but I\’m the most optimistic person on earth.
My fellow Americans…State Farm Insurance obviously has problems with respecting their policy holders! I say, protest this crummy company and tell people you know to never but insurance from these crooks! State Farm is the kind of company that gives the entire industry a bad name!! NO STATE FARM..NO STATE FARM..NO STATE FARM!
On line vehicle reports such as car fax and others have become quite popular, the marketing and public awareness has been tremendous.
But there is a false sense of security with these programs.
\”Consumers Beware\”
Not everything is reported, if it\’s not reported, it will not be listed in these reports.
Even if reported there can be a lengthy delay before it shows up in their data base and filed.
A classic example is fleet or rental agencies. If one of these vehicles are damaged, it\’s possible it\’s repaired and never filed on an insurance claim.
If the damages are not filed, then there is nothing to report.
The same can happen if a consumer wrecks their personal vehicle, if they have a large deductble they may elect to repair with out filing a claim,once again it\’s not reported and will not show up on one of these reports.
There are some value to these reports, but consumers should not rely on them for a true tell all report.
Jerry is 110% correct. I always recommend to my friends and clients, that if buying a used vehicle, always take the vehicle to a reputable mechanic and or body shop and pay their \”check out\” fee (usually $35-$50 or so) to have it thoroughly inspected for any signs of prior collision, fire or flood repairs. Paying the $50 or so now, will save a lot of grief and agony, not to mention $$$$ down the road. I just recently purchased an \’02 Camry, and followed my own advise. Now I have some piece of mind!
The main issue with buying a used car is taking everything for granted. Including the seller, rather it be a dealer or independent seller.
Sounds like you found a qualified technician to inspect your vehicle, but that\’s not always the case.
There are some who are not qualified or skilled enough to perform a qaulity inspection.
And even so there are other areas to follow up on that may lead to some negative indicators (or positive) about the condition of the vehicle.
Just a few examples,
Uncovering the warranty history (and maintenance), to determine what mechanical repairs have been previosuly done.
Measuring the paint thickness to determine if the vehicle has been repainted, which is quite simple if you know how. (I\’ve seen some fabulous paint jobs that are so close to perfect it\’s difficult to tell)
A very close inspection to check for flood or water damages.
There is so much more than can be done to prevent someone from buying a lemon if they know how.
Even dealerships or not always honest,I\’m sure that\’s not a surprise.
A quick example:
I recently inspected approx 45 or 50 used cars at a GM dealership. (Just a quick visual exterior inspection) I found 5 vehicles on this lot that have been repainted and or repaired, 2 of them had major paint work done.
What\’s even more astounding is that 2 of the 5 were listed as being Certified Pre Owned.
I know GM\’s policy with becoming certified, and I don\’t beleive that these were up to standards.
I\’ll have the results of these posted on my web site in a few days, take a look and you\’ll be amazed.
Guess I\’m promoting my service, which was not my intent. However,I guess the moderator can remove my comments if they are not allowed.
FYI.. I was an APD adjuster for 22 years, and ran a 7 line (major metropolitian city) dealership\’s body shop for 7 years. We were also I-CAR certified, etc. You are correct, sometimes it is hard to find a reputable shop to do the inspections. I sometimes recommend to my clients that they use one of their auto insurance carrier\’s preferred repair shops. There is no such thing as 100% guarantee when buying a used car, or even a new car ( ie: lemon laws), but with just a little bit of effort, a buyer can uncover a lot of problems before buying a used car. I will look up your website, sounds like you have good background of experience and knowledge, and have found a great \”niche\” market to be in. You should be succesful. Oh, yea, my wife loves her Camry!!!
I have been an insurance agent for 21 years and have been a competitor of State Farm both as a Captive agent(6 yrs)and now as an Independent agent(15 yrs.) I have always been forwthright to my insureds and have competed with integrity and ethics, never putting down my competition, but building my companies up in the minds of the people that I have sold to. State farm has made many changes to their policies and many times those changes where hidden in the wording in their policies, making it hard for policy holders to discover those changes. Now to allow the sell of junk cars to unsuspecting owners follows the same line of misconception of coverage that I have seen for years from State Farm. State Farm rates are not the least expensive in the market place. I beleive you need to rethink your position on who is the cut rate company the market place. None of my insurance companies are practicing selling junk cars to the very people who we want to be our loyal customers. It is hard to be honest with people when your track record leads you to beleive otherwise. Who is the cut-rate company now?
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“SF Agent” is clueless. What does SF stand for? Surely not State Farm. All “SF Agent” is doing is bashing the big guys\”.
“Am I to understand\” is absolutely right. There\’s nothing in it for State Farm by selling salvage inappropriately. This all has to do with a salvage vendor. I will say this, someone at State Farm is/was asleep at the wheel or maybe even involved in a scam. But to label and “brand” State Farm as cheating their policy holders is wrong. I work in the industry but not for State Farm.
get Bruce Cornblum San Diego \”Calif. Insurance Law Dictionary Desk Reference\” through West Law, Or his abbreviated Auto Version 858 485-8770.Yes he covers LKQ and every attorney in the country should get his books (all casualty law) the auto book is seperate and based on Calif. Law, however it applies to most all states with slight variations. This man single handedly kept no fault insurance out of Calif. in 1979. Good luck and by the wasy , this State Farm thing is just the tip of the iceberg. For more auto info go to http://www.prodiscussions and http://www.ccre.com
This is just another example of SF screwing their policyholders – IMO. This is off the subject, but I had to take SF to court because they would not pay a No Fault Claim. I won – SF was penalized with a fine for the way they handled the claim, and they were ordered to go all the way back(9 months) to the date of the accident and pay what they should have paid to begin with – with interest! SF does NOT care about their policyholders.
Your right, thats exactly what happened. They got caught or knew it was coming, so the fessed up. \”Now let the pay out begin\”, it is now becoming well known, they control every state in the union. The pay off the judges (judicial) the elected officials (both parties) all under the guise of \”campaign contributions\”. No D.A. or city or state will take them on because it screws up there budget for the year. Look at the Avery vs. State Farm case….what was it…3 appeals and 3 million dollars later to the swing vote judge and they pulled it off. Apparently the judge remarked \”I have done nothing wrong\”. We are becoming or will become a third world corrupt nation if we don\’t jump on this immediately. There are other industries this also applies to. You would never know it, but I\’m the most optimistic person on earth.
My fellow Americans…State Farm Insurance obviously has problems with respecting their policy holders! I say, protest this crummy company and tell people you know to never but insurance from these crooks! State Farm is the kind of company that gives the entire industry a bad name!! NO STATE FARM..NO STATE FARM..NO STATE FARM!
On line vehicle reports such as car fax and others have become quite popular, the marketing and public awareness has been tremendous.
But there is a false sense of security with these programs.
\”Consumers Beware\”
Not everything is reported, if it\’s not reported, it will not be listed in these reports.
Even if reported there can be a lengthy delay before it shows up in their data base and filed.
A classic example is fleet or rental agencies. If one of these vehicles are damaged, it\’s possible it\’s repaired and never filed on an insurance claim.
If the damages are not filed, then there is nothing to report.
The same can happen if a consumer wrecks their personal vehicle, if they have a large deductble they may elect to repair with out filing a claim,once again it\’s not reported and will not show up on one of these reports.
There are some value to these reports, but consumers should not rely on them for a true tell all report.
Jerry Christopher
http://www.usedcarwise.com
Jerry is 110% correct. I always recommend to my friends and clients, that if buying a used vehicle, always take the vehicle to a reputable mechanic and or body shop and pay their \”check out\” fee (usually $35-$50 or so) to have it thoroughly inspected for any signs of prior collision, fire or flood repairs. Paying the $50 or so now, will save a lot of grief and agony, not to mention $$$$ down the road. I just recently purchased an \’02 Camry, and followed my own advise. Now I have some piece of mind!
Smart Move Bubba
The main issue with buying a used car is taking everything for granted. Including the seller, rather it be a dealer or independent seller.
Sounds like you found a qualified technician to inspect your vehicle, but that\’s not always the case.
There are some who are not qualified or skilled enough to perform a qaulity inspection.
And even so there are other areas to follow up on that may lead to some negative indicators (or positive) about the condition of the vehicle.
Just a few examples,
Uncovering the warranty history (and maintenance), to determine what mechanical repairs have been previosuly done.
Measuring the paint thickness to determine if the vehicle has been repainted, which is quite simple if you know how. (I\’ve seen some fabulous paint jobs that are so close to perfect it\’s difficult to tell)
A very close inspection to check for flood or water damages.
There is so much more than can be done to prevent someone from buying a lemon if they know how.
Even dealerships or not always honest,I\’m sure that\’s not a surprise.
A quick example:
I recently inspected approx 45 or 50 used cars at a GM dealership. (Just a quick visual exterior inspection) I found 5 vehicles on this lot that have been repainted and or repaired, 2 of them had major paint work done.
What\’s even more astounding is that 2 of the 5 were listed as being Certified Pre Owned.
I know GM\’s policy with becoming certified, and I don\’t beleive that these were up to standards.
I\’ll have the results of these posted on my web site in a few days, take a look and you\’ll be amazed.
Guess I\’m promoting my service, which was not my intent. However,I guess the moderator can remove my comments if they are not allowed.
Good luck with your Camry.
Jerry Christopher
http://www.usedcarwise.com
Jerry-
FYI.. I was an APD adjuster for 22 years, and ran a 7 line (major metropolitian city) dealership\’s body shop for 7 years. We were also I-CAR certified, etc. You are correct, sometimes it is hard to find a reputable shop to do the inspections. I sometimes recommend to my clients that they use one of their auto insurance carrier\’s preferred repair shops. There is no such thing as 100% guarantee when buying a used car, or even a new car ( ie: lemon laws), but with just a little bit of effort, a buyer can uncover a lot of problems before buying a used car. I will look up your website, sounds like you have good background of experience and knowledge, and have found a great \”niche\” market to be in. You should be succesful. Oh, yea, my wife loves her Camry!!!
I have been an insurance agent for 21 years and have been a competitor of State Farm both as a Captive agent(6 yrs)and now as an Independent agent(15 yrs.) I have always been forwthright to my insureds and have competed with integrity and ethics, never putting down my competition, but building my companies up in the minds of the people that I have sold to. State farm has made many changes to their policies and many times those changes where hidden in the wording in their policies, making it hard for policy holders to discover those changes. Now to allow the sell of junk cars to unsuspecting owners follows the same line of misconception of coverage that I have seen for years from State Farm. State Farm rates are not the least expensive in the market place. I beleive you need to rethink your position on who is the cut rate company the market place. None of my insurance companies are practicing selling junk cars to the very people who we want to be our loyal customers. It is hard to be honest with people when your track record leads you to beleive otherwise. Who is the cut-rate company now?