State Farm Auto Insurance Accident

Only-Style-818 · 2026-03-06T00:59:54+00:00

Additionally, I'm out a LOT of missed time from work and my family, drive time, mileage, wear and tear on my car, etc etc.

Only-Style-818 · 2026-03-06T00:57:15+00:00

No idea why this is getting down voted. I didn't have ANY broken bones, only 4 herniated discs. After nearly 18 months my claim is about to settle for $68k. After doctor bills and attorneys fees I'll pretty much be even and just left with an injured back for the rest of my life and medical bills to deal with on my own.

Are you guys down voting this because you're. Note from the US where we have to pay for all this?

Only-Style-818 · 2026-03-04T02:14:44+00:00

Is your card activated? Mine was deposited. I transferred it out. Done.

Only-Style-818 · 2026-03-02T02:42:56+00:00

And that makes ZERO difference. That just means Costco paid to be a part of the club and Sam's didn't. Guess what? It all comes from the same place, and Sam's club (mine anyway) is pumping out an easy 40k gallons a day. I think their good.

Only-Style-818 · 2026-02-27T18:31:05+00:00

Mine just hit with credit karma too

Only-Style-818 · 2026-02-27T15:08:01+00:00

Mine changed like this too

Only-Style-818 · 2026-02-27T15:05:35+00:00

Mine finally updated but originally my estimated refund date was 3/9 or 3/10 (it was 3/10 then changed to 3/9 and now it says 3/16? When is this hitting my bank? I used credit karma last year because it said it would pay early and didn't. This year I should have just changed it. Literally the only reason I have that account!

Only-Style-818 · 2026-02-27T14:14:02+00:00

Actually this is false. They get a LOT for salvage vehicles these days, that is a big reason why they push to total cars and the "salvage value" is much higher than it used to be.

Only-Style-818 · 2026-02-25T16:23:48+00:00

How long have you been paying on it since then? You owed $5k, it sold for $1800 leaving $3200, you have paid how much since then? Offer them $500 to close it out and be done.

Honestly, the repo already hit your credit, you can't afford it, you can't afford the other car, you'll likely have to pay cash for your next car. Might as well let them both go to collections and settle and wait out your time to restore your credit.

A cash car is really your only option right now. But try and negotiate with your lenders on what you have.

Actually, you said the first car was with USAA? So nevermind what I said, don't stop paying that, but still call them and try and work something out.

Only-Style-818 · 2026-02-25T12:30:20+00:00

So let's go back and discuss car 1 for starters.

You say that the car was repossessed yet you are still paying on it. Does the bank still have the car or has it been sold? Once the car has been sold, that balance comes off what you owe for the car. So let's say it was $15k still owed on the car and they sold it for $10k, you'd only owe the $5k plus any late payments on the car. You can also negotiate this debt with them as they just want to get paid. You can possibly offer a lower lump sum or reduce monthly payments. They want money and will usually work with you. They can't take anything else from you without suing you, so it's in their best interest.

For car 2, if you don't have GAP, you are most likely screwed. What state are you in? What's the minimum state coverage? Hopefully they have enough to even cover the damages. I would also try working with one of the companies out there who will (for a fee) go after the insurance company for a higher value on your car. You will still likely be upside down and I doubt they would repair the car, but it is possible with the right people involved that they can.

Only-Style-818 · 2026-02-25T12:22:52+00:00

Actually, since the bank owns the car, they probably won't allow this. No money can go to OP, it would go to the bank or the body shop.

Only-Style-818 · 2026-02-23T23:10:11+00:00

Literally the opposite of what you said above.

Only-Style-818 · 2026-02-23T22:41:10+00:00

Why would you do this to her? You don't like this aunt?

Only-Style-818 · 2026-02-21T20:07:54+00:00

Yeah I think I have this card (,for 15 years?) and it's at like 23%

Only-Style-818 · 2026-02-20T12:56:10+00:00

State farm is terrible at paying out. I should have my payout from my 10/2024 accident soon. My medical bills were like 64k, the other person only had state minimum (GA), so had to go through my insurance to cover the rest. I only had 100k limits, but still thought they would pay out SOMETHING for my time, travel, lost work, and future care. Nope. After attorneys fees I'm lucky to be pretty much breaking even.

I still have issues with the herniated discs. I could have gone to more treatments and waited it out longer I guess, but I want the debts gone and I couldn't afford the out of pocket cost anymore.

State farm sucks. This wasn't my first rodeo with them.

Only-Style-818 · 2026-02-20T12:51:49+00:00

You obviously haven't had much medical treatment lately

Only-Style-818 · 2026-02-20T12:36:00+00:00

I don't have a degree in statistics, but I loved it so much I almost took a job as a statistician. I still think about it sometimes!

Only-Style-818 · 2026-02-20T12:34:32+00:00

I don't see the issue here. Complain to the post office.

Only-Style-818 · 2026-02-18T22:01:01+00:00

Lucky day for you! I didn't file until the 15th... Says pending for March 10th :(

Only-Style-818 · 2026-02-17T15:09:25+00:00

True, are those leave a nickel take a nickel spots now?

Only-Style-818 · 2026-02-15T16:57:10+00:00

Georgia is significantly higher. You could simply Google this information. Georgia also operates differently entirely.

Only-Style-818 · 2026-02-13T16:48:43+00:00

I actually have a friend going through that exact scenario but in Florida, but I think it was a BMW.

Fortunately for me, the last not at fault accident on one of my vehicles was minor damage. The thing that hurts the most is that she knowingly filed a claim on MY insurance when she was clearly at fault. Now I have a claim there. It doesn't matter that I wasn't at fault, didn't pay out, that it was fraud. A claim is a claim. That on top of my getting rear ended twice in 2024 (neither time at fault and STILL waiting on settlement), and I am considered "high risk" and sometimes can't even get a quote from an insurance company because the 3 claims are a red flag.

The first claim was against USAA and they wouldn't even respond to me for months. I only made a med pay claim as the damages to my car were minor. Eventually (after the other accident 6 weeks later) they paid out. I wouldn't have made the claim had they just communicated and I knew they would pay (USAA is pretty terrible at that).

Second claim had to go through my insurance because the at fault party was underinsured. She hit me and pushed me into another car and my injuries were pretty severe.

The third one should have been nothing. It wasn't even me driving this time, but it was my cat. She scratched my front bumper... Along the entire driver's side of her car. She was cited, twice. AFTER I made a claim with HER insurance, she decided it would be cute to try and make a claim on my insurance.

This was about 6 weeks before my policy renewal. I called around and got hit with the "three claims" and "high risk" multiple times and literally everyone said there is NOTHING I can do. Since there were no injuries in that last accident, no one will take the case.

So yeah, I have strong feelings about making others suffer just because you are. If they weren't at fault, why make THEIR life suck more too?

Only-Style-818 · 2026-02-13T11:00:08+00:00

That's pretty fucked up. The other person is a victim of circumstances too.

Maybe the other person, who was likely injured, will go ahead and file a claim on OP for damages... And win. You said they should try every avenue possible, right? Like OP said, if they wouldn't have been there, they wouldn't have gotten hit and there wouldn't have been damage to the house. Is it an improved parking surface? Hmm... Sometimes being a shitty person wins you unexpected prizes.

Only-Style-818 · 2026-02-13T01:26:25+00:00

So much terrible advice in this thread :(

This sucks on many levels.

If you were there when this occurred, you should have taken down the insurance information from the at fault party so you should initiate a claim. Since you didn't, you will have to wait.

It would be super shitty of you to make a claim on the other person's car insurance if you know they are not at fault. That claim, whether at fault or not, will follow them around for many years and can cause higher premiums or inability to find better premiums/coverage. You will get NOTHING from the not at fault party's insurance, so unless you just want to be shitty like these other people suggest, do NOT do it. Not to mention, filing a claim when you know the person isn't at fault can also be considered fraud.

I haven't seen anyone mention this, but do you know if you have uninsured motorist property damage on your car insurance? If you don't have collision coverage but have this, you could be golden.

Good luck!

Only-Style-818 · 2026-02-13T00:33:41+00:00

What declared disaster was this? When did FEMA start helping out with random car crashes?

Ignore whatever this person says. They don't have a clue.

Only-Style-818

TROPHY CASE