If you wanted to read some real horror stories about State Farm, all you would have had to do was read some trade magazines from the auto body business around ten years ago. I also had a State Farm adjuster deny a $700 claim that was clearly her insured's fault. She knew I'd rather pay my deductible and let my collision insurance cover it than go to the time and expense of taking them to court for $700.
That being said, when our daughter was in college, a drunk driver totaled a car for her. Police had witnesses that our daughter had a full green light going through an intersection and this drunk in a pickup made a left turn into her.
Anyway, the drunk was already with a high risk insurance company in Indianapolis, and they only offered me about half what the car was worth. The car was a Buick Century, loaded up with every factory option, including a sun roof, and the insurance company based their offer on the most stripped down, plain Jane model.
I looked up the value of the car in four different price guides and averaged the four for the price I wanted for the car. I added some for a rental car. I then went to the Nebraska Insurance Commissioner's office and filed a complaint against the company in Indianapolis. When you file a complaint against an insurance company, by law they have 15 days to respond.
I loved it. On the afternoon of the 13th day, the adjuster I'd been dealing with called me and said they'd "had reason to review my claim". They just happened to up their offer to almost the exact dollar amount I'd asked for.
In other words, the Nebraska Insurance Commissioner told them to get real or they were history in Nebraska. I've had a few yelling matches with hostile adjusters, but when they find out I've been an adjuster myself and probably know as many tricks of the trade as they do, they start to cooperate. What you need to do is stand your ground, but don't be unreasonable.
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Today's Featured Article - Hydraulics - Cylinder Anatomy - by Curtis von Fange. Let’s make one more addition to our series on hydraulics. I’ve noticed a few questions in the comment section that could pertain to hydraulic cylinders so I thought we could take a short look at this real workhorse of the circuit. Cylinders are the reason for the hydraulic circuit. They take the fluid power delivered from the pump and magically change it into mechanical power. There are many types of cylinders that one might run across on a farm scenario. Each one could take a chapter in
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