State Farm Insurance Ed Rust Jr Michael Tipsord State Farm Wrongfully Denied My Claim Deceptive Trade Practices Bad Faith Claims Handling Bloomington IL

I have State Farm Insurance and have had State Farm Insurance for roughly 2-3 years. I have them for my renters policy, autos, and my boat policy which covers my 2 Jet Skis and Trailer. My Jet Skis were dropped off at a local mom/pop mechanic here in town for an oil change and to change out a spark plug (I was not aware it needed the spark plug when I dropped it off). The oil was changed and during the 2 week period that they were at the shop evidently the mechanic's son took the skis out over water and severely damaged one of them. I was not aware they were water tested for an oil change, anytime I need to test the skis I hook a water hose up the connection under the seat and fire them up and let water run through them.

The damage was very severe and I was informed by the shop owner that he take care of it. I knew he was not insured therefore I contacted State Farm right away so I could get them repaired and if the boat mechanic was willing to pay for the damages then he could reimburse State Farm directly. State Farm refused to send out an adjuster, they informed me that this was not a requirement only a privelage of a Policyholder. They sent me on a wild goose chase trying to get estimates to have the fiberglass hull repaired. I dropped them off at several different places in which they sat for 2-3 weeks at a time only to be told that they cannot provide an estimate for the damage due to the severity of the fiberglass damage.

These jet skis were not being tested, they were being joy ridden by an intoxicated person, the level of damage cannot be done by simply bumping into a dock. The fiberglass hull was severely smashed in. This sik struck something very hard, from the side (which is difficult to do), and cracked the entire left side of the hull. Due to my hectic work schedule and State Farm's refusal to send out an adjuster it went on for many months before I found someone to write me an estimate. I immediately sent this estimate into State Farm and during the phone conversation I was told that they do not cover damage while the skis are under maintenance. The ski's were no longer at a shop, they were no longer being maintenanced, and they were over water at time of loss. Therefore I felt the need to tell my story about State Farm Insurance. Beware! I have read lots of State Farm Insurance Company Horror Stories and even witnessed them during their Shady Business Practices during Hurricane Katrina but from a perspective of never filing an insurance claim in my entire life and only having insurance for rare occurences such as this I felt no danger from having State Farm Insurance. Plus their rates were low, and evidently I know why......They don't pay claims when they are supposed to!