[jolsen42]

Originally Posted by jhv48

You're bad mouthing State Farm insurance because you chose to save a few bucks and not to properly insure your car? Basically, you gambled and lost.
Since you didn't have collision coverage on your car at the time of the accident, then you opted out of being able to have your insurance company represent you in case of an accident. If the company does not experience a covered loss (read that a monetary payout) then they cannot represent you in your claim against the other party. They have to have a dog in the fight. No company would help you out of this situation. You chose not to have the proper coverage on your vehicle. You gambled and lost. Your only recourse is civil or small claims court.
Don't blame the insurance company for your screw up. Accept responsibility and move on.
And, yes, my wife is a State Farm Agent and she hears this complaint weekly. Clients want to save a few bucks by reducing their insurance and then blame either the agent or the company when their decisions come back and bite them in the butt.
And, don't worry, since you reported the accident to your agent, they might just cancel you anyway.

Originally Posted by jhv48

You still don't get it. They didn't screw you, you screwed yourself. If you have no coverage (collision) they can't legally represent you as they have no loss. It doesn't matter whether the other car was at fault or not. YOU HAD NO COVERAGE! Has nothing to do with their bottom line. It's the law. If you had purchased collision coverage, then they would represent you in the claim. You didn't, SO THEY CANT!
Suck it up. Stop trying to blame others for your decision not to carry the proper insurance coverage. Like you said, State Farm paid where they should. You just feel that they should be responsible for your bad decisions.
Was it worth the money you saved on your insurance premiums?
Hope this is a lesson to us all. There are places to save money. Insurance isn't one of them.

WOW! Two great insightful and helpful posts. You must be a graduate of the Henry Kissinger school of diplomacy.

John O