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Those devious lick trends on TikTok during Covid were crazy- like who's kids are these??

Hi There, It's Borhan here! I'm a huge fan of your "Trailstone Insurance Group" TH-cam channel. Your content is always top-notch, and I can see the passion and effort you pour into each video. I believe you have incredible potential to reach an even wider audience with a solid TH-cam strategy. I would love to schedule a short meeting with you to discuss how I can help you grow your channel faster. This is not a sales call, but an opportunity to share ideas and offer assistance. Let me know if you're interested, and we can find a convenient time to chat. Thanks for your time and for creating such amazing content.

Who do you recommend for home and auto in NYS because after 38 years of loyalty to State Farm and seeing my home owners nearly triple since building my house in 2015 and my auto coverage go up nearly 30% in one billing cycle, without a change in policy or a claim, not to mention giving their CEO a nearly $25 million dollar bonus after screwing over their customers I’m done with them.

NOTE TO STATE FARM INSURED!!! BAIL NOW!! Contact you local Independent Insurance Broker today. DUMP STATE FARM.

STRETCH THE RUBBER BAND.... STRETCH THE RUBBER BAND.... STRETCH THE RUBBER BAND... OH SNAP!

Most insurance companies demand that they have both your homeowner's insurance and auto insurance to purchase umbrella coverage. Here in California where so many insurance companies are leaving because of homeowners risks due to fires, you are in a predicament. She made no mention of that. $300 sounds like a low floor for Umbrella, likely an underlying amount of $500K

I'm shooketh.

Snake farm, straight to the lawyer the claim goes, when they will pay, no one knows.

Any advice on an agency who can write for Texas ?

This was predictable for Tesla Insurance. It’s better to pay the higher rate with an established, reputable car insurance company than to go with Tesla Insurance, in my opinion. Unless service has improved drastically lately. Tesla had a similar problem with their Energy Division here in FL - for Solar & Powerwall Battery installs. I know that from personal experience. And there were even some rising complaints in 2019-21 that their car service dept’s weren’t keeping up with the huge growth of new Tesla vehicles on the road - although, to be fair, some of that was probably pandemic-related. Tesla has since addressed the car and energy service gaps. Not sure about Insurance. Tesla initially understaffs their customer service dept’s as Elon’s philosophy is “the best service is no service” (I.e., not needing service because the product is so good that it hardly ever requires service). But, no matter how good your product is, you can’t avoid collision repairs resulting from chaotic drivers & roads. So, they staff up only AFTER learning their lesson via bad publicity and, presumably, lost sales. Not sure if they’ve reached that point with Insurance yet.

Wow! *Scratches McLaren off list....🤣

They spend a billion dollars a year on advertising That would be a good place to start to help play claims.

State farms ripped me off. Their agent lost the life insurance that I had been paying for for 23 years. The agent never paid my premiums. I told them I showed proof, but they ignored my calls and emails. The agent's name is Jose Vasquez; his assistant isn't better. They now offer progressive; I recommend going elsewhere if you see his name.

Ignorant, you realize this is a sub company isolated biz of adverse conditions in particular states?

Great info, thanks Tia! I'll be sharing this one

You should have stated up front that State Farm General only applies to California, and not the rest of the country. State Farm in the rest of the nation is A rated. State Farm has been loosing its shirt in California on home insurance, and State Farm is withdrawing from home insurance in California as a response... Overall - a very misleading video.

run

NO they wont pay !!!!!!! 😡😡😡😡😡

State farm has always been a scam...most expensive you can get a they will deny coverage or pay and cancel you...I was married to an agent and never agreed to their tactics

BS….. they have BILLIONS. Non-renewed in California. Get your facts straight.

might have been a more accurate video 10 years ago but "captive companies" aren't that captive any more. Companies Like Farmers was used as an example as captive but left out that they have their brokerage Kraft Lake which always Farmers agents to write business with other carries such as progressive, Safeco, etc. even if the only reason is price. Some times Captive companies are the best option for customers, right now in my own state companies like State Farm are by far the cheapest for most people, not that premium is everything but it was another point made. No offense to any independents or to Trailstone as there are certainly pros of being independent I wouldn't deny that. I just think many of the arguments of why captive is so bad simply isn't true anymore.. At least not for all carriers some still are pretty bad.

Could paying pro athletes and washed up actors hundreds of millions of dollars to do commercials have anything to do with this?

An informative advertisement. Weird. But neat

Had state farm for a year and a half I was paying 197 for three vehicles and when I resigned after six months, they wanted me to pay 400 bucks a month!! They can shove it

These jerks always delayed and REFUSED TO PAY LEGITIMATE CLAIMS....ALWAYS...

I dropped them years ago... I had multiple worthless policies with them.

I just dropped State farm in the last few days I have been with them for over 40 years they tried to charge me $700 a month for two used vehicles a 2011 Honda and a 2021 Toyota I dropped them like a hot potato.. they gave no explanation for the increase.. I just went with Farmers insurance and my car insurance is now less than $200 a month for the same vehicles. Guess they did me a favor..

State Farm General is in California. So why isn't' your title indicating State Farm General? The title of your video is misleading to other states who use State Farm.

Having worked for one of the mentioned captive carriers for 20 years, with my most recent experience being an agent for this company... I can tell you that the world of a captive agent is changing rapidly. With claims severity and frequency in most parts of the country increasing year over year, there are really 2 decisions a massive, captive carrier can make. Jettison risk (non-renew current policies) and/or take rate increases to absorb the cost of claims. Neither option is customer-centric... both options are bad for clients, but in the long term will create rate stability for the company. Organizations like Trailstone are the way of the future because we can still keep our client's best interests at heart. Large, captive carriers are only concerned with the corporation's financial well-being during times like these. Through consultation, Trailstone agents will find the right policies, with the right carrier, at the right price for YOU!

Another fun fact about State Farm auto coverage. They are the only company writing in Colorado (and many other States) that does NOT have the Appraisal Clause or Right to Appraisal for repairable vehicles. Whatever they determine is reasonable and customary to them is all they will reimburse their insureds.

Excellent explanation!

Neat

Financial Solvency of an insurance carrier is commonly mis-understood or not even taken into consideration when making decisions on which carrier is right for you. Thank you for helping to make sense of why a carriers AM BEST rating is important information to consider. Absolutely correct Tia! "non-rate action" will not improve the carriers status, they will have to increase rates to make this move back towards an "A" status. Claims severity and frequency are forcing large carriers to take rate in many areas around the country, and we will see more of these topics hit the news. Tia does a great job of making sense of what is happening in the industry right now!

Love it! Thank you for making these videos, they are such a great education tool!! You're the best :)

Thanks for making this video and unveiling the curtain on how agents get paid. It's good for everyone to understand that it's not more expensive to work with an independent agent, in fact, it's actually cheaper for you in the long run. Having an expert, licensed agent, in your corner is huge! Being able to ask questions or seek advice without having to reach out to the carrier directly can not only keep your annual premiums down but also ensure the coverage you have specifically fits your needs.

This is such a thorough explanation of just one coverage of the many that are effecting our insurance rates. Well spoken, thank you!

Is this why people are taking their license plates off? Easier to hit and run.

Insurance, the real thieves.

But...the hoa says keep it open...and i find the bike in the HOA heads house later on.

What if someone wants to pay for their insurance with a credit card?

What about this scenario: the thief enters and leaves my home through a window, that was properly locked. But because the door had the wrong lock, the insurance denies the claim.

Is there actually a kind of claim insurance companies don't hate?

Insurance companies are a biggest fraud. The house burns down and they judge the owner ? They will be skeptical and lcaim on file will result in other "punishments". Ridiculous. They are only in business to make money.

Very good information. People need this kind of information before something bad happens.

🌺 'promosm'

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Yup, my rates increased by 40% this year. Even after shopping, there are no better rates out there, all carriers are increasing their rates. It makes sense though, especially after the last few years and all the refunds/rebates/rates not increasing during COVID, doesn't mean we like it though!