My family members were involved in a collision while sitting in traffic (not moving), State Auto Insured rear ended them. This caused them to hit the vehicle in front of them also stopped and not moving, which in turn caused that vehicle to slam into the vehicle in front of that person.
In total 2 vehicle were totaled by their insured and one damaged (not counting the vehicle of their insured). 3 individuals were carted off to the hospital with injuries. State Auto refused rental car and liability. They really need to educate their adjusters as to the state law in the state in which these accidents occur.
In my family members case the passenger can not be held liable in anyway, they are considered as innocent as a baby! Bad company willing to do anything to keep from paying claims.
Oh and by the way, 3rd party claims can leave their own insured's opened to a law suit which could end up exceeding their policy limits! This shows me they don't even care if they hurt their own insured to save themselves money.
Product or Service Mentioned: State Auto Insurance Auto Claim.
Reason of review: Problems with payment.