I’d rather deal with a chatty rep than sit around refreshing an app for updates that never come.
That’s fair, but have you ever had a rep who just keeps repeating the script and doesn’t actually answer your questions? I get wanting that human touch, but sometimes it feels like you’re just getting bounced around. I always wonder—would you rather have someone call you with no real info, or just wait for a solid update, even if it takes a bit longer? For me, it’s all about whether the info is clear and accurate, not just fast.
I totally get what you mean—there’s nothing worse than getting a call just to hear, “We’re still working on it,” with zero details. I’d rather wait a bit longer if it means getting a real answer instead of being strung along. With State Farm, I’ve noticed their reps can be super scripted, which gets frustrating fast. USAA’s app is slower with updates sometimes, but when they do call or message, it’s usually specific info. Guess it comes down to whether you value speed or clarity more... I lean toward clear updates, even if I have to be patient.
Guess it comes down to whether you value speed or clarity more... I lean toward clear updates, even if I have to be patient.
Funny, I’m the opposite—I get antsy if I don’t hear *something* after a few days, even if it’s just “we’re still working on it.” Maybe it’s just my budget brain worrying about every dollar until things are settled. Has anyone actually had State Farm give real details on a first call, or is it always the “scripted” routine? I swear, sometimes I wonder if they’re reading from a teleprompter...
Honestly, I’m with you—I’d rather get a quick “we’re on it” than wait for a perfect update. But, in my experience, State Farm has been pretty vague on first calls. It’s usually the basic info and then “someone will follow up.” Kind of annoying, but I get that they have to check all their boxes. The waiting is rough, especially when you just want to know what’s next. I do think USAA was a bit more straightforward, but maybe I just got lucky with the rep that time.
I hear you on the vague first calls—State Farm’s definitely got that “we’ll get back to you” script down. I’ve had a couple claims with them over the years (mostly hail damage, once for a fender bender with my ‘72 Chevelle), and it always felt like pulling teeth to get specifics early on. Here’s what I’ve noticed:
- State Farm: Initial call is all about collecting info, then you’re in limbo until an adjuster reaches out. Sometimes that’s quick, sometimes it drags. I’ve had to call back just to get a timeline.
- USAA: Only dealt with them once, but they seemed more upfront about next steps and gave me a direct contact right away. Maybe it was luck of the draw, but it made things less stressful.
One thing I will say—State Farm did come through in the end, but the process felt more bureaucratic. USAA felt more personal, at least in my experience.
Curious if anyone’s had either company handle a claim for something less common, like classic or collector cars? I’ve heard some insurers treat those cases differently, especially when it comes to parts sourcing or agreed value policies. Wondering if that changes how smooth (or not) the process goes...