State Farm

[sunshine wr]

I would guess that I'm lucky, that my business doesn't depend on insurance claims and the "free repair" side of our industry.

[SGT]

Just an FYI,

For anyone here in PA. as of this past April 1st. 2006, SF is only paying for repairs after the client meets there deductible per (Endorsement 6127).

Ex...

0 deductible = still equals full payment according to SF O&A for all repairs.

50 deductible = you will need to bill the customer at your retail rates. Since SF O&A pricing is $50 for the first chip you still can bill for 2nd and 3rd chips at O&A $10, throw in the processing fee's for your EDI service or $7.50 for fax in also.

50+ deductibles= you get zip, zilch, NOTHING. Charge customer accordingly for your retail rates on all work.

This will be a real treat for clients when you tell them you have to pay me for the first $50 and then we can get approval for the other damage that will be covered for.

I will just charge the customer for all work and let them send it in to get reimbursed there money.

NOTE: This was confirmed by a SF claims specialist. Give them a call to see what is going on in your state.

[maxryde]

State farm applied this change as of 12-1-05 initially. They did it in our state as one of the original trial. The language change in coverage occurs when the policy is renewed. So if the customer gets renewed during the next month it may still be covered under the old language. Also I had a customer that I spoke with and we decided to check if they still were under the blanket of coverage so to speak and he reported the chips as occurring before the 12-1-05 cut off and was fully covered. In other word the coverage was in place when the damage occurred. Just an FYI....

[mafsu]

Chippy I am waiting to see the full language of your handout before I make a reply about it. Why the wait for the language? While I applaud your efforts if done correctly, I feel you passion is misplaced. A good wsr tech will benefit from this move rather than suffer. Go around your area and introduce yourself to the local SF agents (check the cars in the parking lot while you are there and see if you can do a free repair to show your ability to the agent). Leave business cards on every desk you can at the office. These agents will want to send their insureds to a qualified tech to get a repair rather than have them file a claim. There is no need to lose any business because of this. This is in fact an opportunity for good techs to increase business. This is also an opportunity for you to claim more control over your business(how much you charge, service call fees, etc...).

[chippy]

I've been away from my primary computer...

Here's what we're using....and it's having an immediate impact with SF:

STATE FARM POLICYHOLDERS IN TEXAS

YOU SHOULD KNOW:

WHO?
State Farm is the ONLY major insurance company in Texas to propose this change.

WHAT?
State Farm Insurance Company recently announced its intent to stop waiving your deductible for windshield repair. This means that you may pay the same premium for less coverage.

WHY?
Since the repair will no longer be free of charge, you will be much less inclined to repair it and, therefore, much more likely to need a total glass replacement later on. Your deductible will still apply for windshield replacement. That

[chippy]

Use this, folks. It is working.

Remember: One phone call from a policyholder carries more weight than 100 calls from us!