Complaint Review: State Farm Insurance Company

In 2006, my daughter was involved in a single vehicle accident, while driving her 2004 Jeep Liberty. According to her, the vehicles right front end dropped, sending her into a telephone pole. A witness stated that the wheel came off the vehicle, and the vehicle careened into a telephone pole. Two vehicle accident reconstructionists investigated the scene, and found that the assembly housing the lower ball joint came loose, causing the right front end to drop.

We immediately went to our State Farm agent. As she entered the accident information in the computer, she advised us that there had been problems with the lower ball joint in Jeep Liberties in that year, especially those that had approximately 25,000 miles. Her mileage was 24,000 and some change. We kept the defective parts with us.

When the adjuster came to see us, all he wanted to talk about was buying a Harley at the local dealership. He wouldn't take the parts or the many pictures we had of the accident scene. We waited for three weeks to receive our check for the vehicle, which was a total loss. When we raised a stink about our check, we found out that the check had been sent to Allstate...............we didn't even have insurance there.

Anyway, we received a recall letter from Jeep, stating that the lower ball joints in the Jeep Liberties were possibly defective. The next thing we know, State Farm sends us a letter stating that they were dropping the claim because there was not enough evidence that the accident was caused by equipment failure. What? Two reconstructionists, a recall letter and witnesses. What else could they want?

All it means is that our deductible cannot be recovered, and our rates will increase because they are going to rule the accident is our daughter's fault. Stay away from State Farm and Jeep Liberty!

Mark
Clarksville, Tennessee
U.S.A.