Not arguing nor proving anything stating actual fact from my end. Im far from new with state farm. i had a policy with them for 20 years on several motorcycles, home owners, cars etc. the vehicle that was in a crash was new at the time. my driving record spotless
So it seems SF works different in what ever area you are in then from mine. Point being is making the claim on a windshield falls under comp and sf does list it as a claim which is against you. tho you and wife being in state farm for jobs i wouldn't expect you to even admit to it for obvious reasons. to end this on a final note you say one thing and tho i have the documentation saying otherwise. In the end the arbitration will handle it and decide on the matter. Good debating with you tho :thumb3:
Think what you need too, there is no secret conspiracy, ever little detail is in your declarations, you can have your agent mail it to you.
In states where minimum coverage includes comp and collision, windshield claims do not count. I'm sorry you feel you got the rug yanked out from under you, and to be clear, if you got dropped, it's because you increased your risk. Not because you had 5 claims, not because you had 7 claims, it's all based on risk... They can drop you with 2 claims or 1 if the underwriters feel it appropriate.
On a side note since this thread is ruined....
People (not nessussarly you) make one major mistake when buying insurance. They switch providers. We are lead to believe that we are a consumer and can switch whenever you want, so thousands of people shop around every time renewal comes around, they find a place that offers the "same" coverage for $20 less a month, so the switch. Problem is (and few people know this) one of your risk factors is based on how likely you are to switch providers. Sadly, if you try to help yourself but shopping for better rates every year, eventually you can end up with no name budget insurance, with about 50 exclusions on your declaration page that you don't even know about.
Insurance is very twisted in the US, combined with the fact states are allowed to set and restric insurance guidelines and providers (including health).
