I totally get where you’re coming from. I’ve had similar issues—USAA’s app once froze on me halfway through uploading accident pics, and I had to start over. It’s like the tech is supposed to make things smoother, but when something goes sideways, I always end up calling anyway. Maybe it’s just a backup plan, but I’ve never managed a full claim without talking to a real person at some point. Does anyone actually trust those apps for the whole process? I’m way too cautious to risk it.
Does anyone actually trust those apps for the whole process? I’m way too cautious to risk it.
I’m right there with you—never fully trusted the apps either. Even if they worked perfectly, I’d still worry something would get lost in the shuffle. Has anyone tried State Farm’s app and actually finished a claim without picking up the phone? I keep hearing mixed things, but I’m not sure if it’s just user error or the tech itself.
I’ve processed a bunch of claims, and honestly, I’m pretty skeptical about relying on any app for the whole thing. Even with State Farm’s app—which is supposed to be one of the better ones—I’ve seen folks run into hiccups. Sometimes the photos don’t upload right, or a document gets missed, and then you’re stuck waiting for someone to call you anyway. I get why people like the convenience, but I just don’t trust that everything will get handled without at least one phone call.
There was this one time a customer tried to do it all through the app, and it looked like everything went through... until we realized a key form never actually sent. Delayed the whole process by a week. Maybe it’s user error sometimes, but I think the tech just isn’t 100% there yet. I always double-check things the old-fashioned way, just in case. Anyone else feel like these apps are more of a backup than the main tool?
I get where you’re coming from. I’ve had a similar experience with USAA’s app after a fender bender with my S-Class. Everything seemed smooth at first—took the photos, uploaded the docs, got a confirmation screen. But then, two days later, I get an email saying they never received my repair estimate. No clue if it was a glitch or if I missed something, but it definitely slowed things down.
“I just don’t trust that everything will get handled without at least one phone call.”
That hits home. I always end up calling just to make sure someone’s actually looking at my claim, especially when we’re talking about parts for higher-end cars. Maybe it’s paranoia, but I feel like these apps are decent for quick stuff, not so much when there’s anything complicated or expensive involved. Has anyone actually had a claim go through start-to-finish on an app without having to follow up? Or is it just wishful thinking at this point?
Honestly, I’ve never had a claim go through 100% on the app without at least one phone call—especially with anything beyond a basic bumper scrape. Last time I tried with State Farm, the adjuster still wanted extra photos and a shop estimate, even though I’d uploaded everything. Maybe these apps are getting better, but for anything classic or high-end, I just don’t trust ‘em to get all the details right. Too many little things can get missed.
