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View Diary: My Car Insurance Company Tried to Screw Me Post-Sandy. I Beat Them. (104 comments)

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  •  State Farm has various divisions like "Mutual," (2+ / 0-)
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    wader, freelunch

    "Lloyds," etc.  My understanding is that service levels vary quite a bit.  The divisions have something to do with regulation within each state.

    I don't remember the details about Texas any more, but the State regulates insurance companies, unless (nice loophole created by the legislature), they are a (say) "Lloyds Limited" company.  IN that case, there is zero regulation on price or on service.

    State Farm takes advantage of situations to avoid regulation, so I do not think their overall company culture is one of good service.

    If you live in a blue state, there probably are not the types of ridiculous, industry-created loopholes in the law, so you may get better results as the insurance companies don't want trouble from the stat regulator.  

    IMHO.

    "The law is meant to be my servant and not my master, still less my torturer and my murderer." -- James Baldwin. July 11, 1966.

    by YucatanMan on Mon Dec 03, 2012 at 08:13:14 PM PST

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