I too had a run in with State farm Auto Ins. Other drivers fault damaged my auto. My Company State farm Low balled me on damages. I challenged the low estimate. There after the adjuster refused to contact me in order to negotiate ;also he evaded any attempts I made to contact him. I had a loan on the auto. I notified the the Lender that I would make no more payments. They could repo to auto. They got mad.
I contacted the state insurance commission. Their attitude convinced me that they were working for the insurance companies. The accident was a multi car pile up which involved many companies. I did nothing else. Went into non communication. One year later I got every thing I asked for.
All the other insurance companies from other states had piled on our insurance commission. The SFM adjustor sent me an out raged letter saying I had evaded Him. Sorry to little to late Rule: always owe on auto. If Insurance co intransigent make recorded attempts to contact adjuster. Always ask for more. If no positive response do nothing. Let other parties iron it out. Do not go to lawyer. Do not pay for nothing. Forget your credit rating. Or borrow for new car before credit report goes in. I got no run around from my new company even with several accidents.
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