It’s here that the remarkable service of State Farm shines. Bringing the largest disaster response in the industry means a coordinated effort of people, technology and resources, all working together to provide exceptional service to policyholders and support to the community.

State Farm is there

State Farm Claims specialists assist customers at Louisiana Customer Care sites

In addition to thousands of employees remotely helping thousands of customers on the phone and online, State Farm claims operations are on site, day after day, helping policyholders in impacted areas.

In support of Ida response, State Farm set up seven mobile Customer Care sites – four in Louisiana and three in New York, New Jersey, and Pennsylvania. These operations bring claims teams and customers together to inspect vehicles, help with questions, and disburse payments.

Over the last two weeks, more than 1,500 customers have been given in-person help at our Louisiana Customer Care sites. So far, our overall claims operations have been able to reach more than 90% of customers who have filed a homeowner claim related to Ida, with 1 in 4 of those claims already settled.

Neighbors helping neighbors

A big part of the State Farm difference is the 19,000 State Farm agents who live and work in the same communities as our policyholders. That means that in addition to access by phone, app, and web site, State Farm customers have a State Farm agent right there in the neighborhood, ready to talk through your hopes, plans, and needs. And when disaster happens, they are neighbors ready to help.

In the wake of Ida, State Farm agents reached out to customers in impacted areas to help the recovery process.

Agent Courtney Gulledge of Harahan, La., lived up to that promise when one of her policyholders, Tassanee Nirandorn, received severe damage to his home. Courtney used draft authority, which allows agents to directly disburse payment toward the settlement of a claim. By providing an advance on claim payments, we can help customers start the process of recovery. Nirandorn was pleased with this service, saying, “On the news, all I have heard is that insurance companies are a pain to deal with, but that has not been my experience. State Farm has been exceptional during this process.”

Supporting the larger community

In addition to helping policyholders recover from the unexpected, State Farm has used its philanthropic resources to support community organizations that are helping the recovery process.

State Farm has issued $900,000 in disaster-relief grants to community organizations in Louisiana, New York, New Jersey, and Pennsylvania, plus a $10,000 grant to the Midwest Food Bank in Illinois to provide support to multiple Ida-impacted areas.

Louisiana:

• $400,000 to support the local Red Cross chapter of Southeast Louisiana
• $150,000 to support Second Harvest Food Bank of Greater New Orleans
• $100,000 to support Northshore Community Foundation
• $100,000 to support The Catholic Charities Diocese of Houma – Thibodaux

Northeast:

• $50,000 to support American Red Cross New Jersey Region
• $50,000 to support American Red Cross Greater New York Region
• $25,000 to support American Red Cross Southeastern Philadelphia Region
• $25,000 to support the Philabundance organization

“In the aftermath of Hurricane Ida, we are truly proud to work alongside partners such as State Farm who have raised their hand to support thousands of families impacted by this devastating storm,” said Lindsay Mathieson, regional disaster officer of the American Red Cross of Louisiana. “It is that generous support that allows us to provide much-needed comfort and care to help the people who need it most.”

Said Natalie Jayroe, Second Harvest Food Bank President and CEO, “This major support from State Farm will be critical to our response to this latest disaster impacting South Louisiana. Our deepest thanks go out to the entire State Farm team and their customers.”

The work continues

Recovering from a disaster like Hurricane Ida will take time. State Farm claims operations will continue the work of serving impacted policyholders in the weeks and months ahead. More than 98,000 total claims have been received so far for Hurricane Ida-related damage, and every one of those claims is a life changed by this storm.

Being a good neighbor is about more than just one moment or just one act. For State Farm, it means continuing the work until every last claim has been handled and finding ways to help our communities thrive. When the unexpected happens, State Farm is there to help policyholders and communities recover.

State Farm’s response to Hurricane Ida began before the storm made landfall. Thousands of State Farm agents and employees began to mobilize and prepare to respond to our customers’ needs prior to the storm’s arrival.

The State Farm response to Ida is both local and national. It includes State Farm agents who live and work in the same neighborhoods as our customers; teams of claim specialists trained in disaster response traveling in to evaluate damage on site; thousands of employees in centralized care centers across the country helping answer customers’ questions and file their claims; remote claim teams conducting virtual inspections with impacted customers; and many other resources, all helping customers in their time of need.

Delivering on the promise

In the immediate aftermath of the storm, State Farm began claim inspections in areas safe for entry, focusing on the most severe damage first where possible.

Agents and Customer Care Center employees have responded to thousands of customer calls, helping customers understand their coverage and how the claim process works, including aspects of coverage that come into play when damage is especially severe.

When storms such as Ida cause severe damage to homes, customers may be displaced. Additional Living Expense (ALE) coverage under a Homeowners or Renters policy is triggered when a covered loss causes the residence to become uninhabitable. ALE can cover some increased costs such as housing, meals, and mileage.

Some media reports are incorrectly suggesting ALE does not apply without a mandatory evacuation having been ordered. These reports are seemingly focused on one portion of our ALE coverage for affected policyholders: Prohibited Use. We are addressing the needs of displaced customers. State Farm is paying, and will pay, thousands of Prohibited Use and ALE claims to our policyholders following Hurricane Ida

For customers who have a loss covered under ALE due to the extent of damage to their home, that loss adjustment occurs regardless of the type of evacuation order in their neighborhood. Once a State Farm customer reports a claim to us, we will evaluate their damage. The process from there depends on many factors including the extent of damage and accessibility of the property. (We’re working with local authorities for access when it’s safe.)

We are here for all of our customers and are committed to pay what we owe. State Farm’s policies in Louisiana, the Northeast and other states, are filed with and approved by state insurance regulators in each state, respectively. State Farm honors the terms of the contract with our customers. Altering the terms of the contract for one event would be unfair to all those who have experienced loss from previous disasters.

Getting a boost from technology

In addition to on-site physical inspection of claims and the service provided by local agents, State Farm is making the most of technology to reach customers in more ways and make the process of resolving claims even faster and easier.

• Virtual claim handling allows customers to conduct real-time inspections of damage with remote claim teams through their smartphone cameras.
• Use of drones and aerial imagery allow State Farm to quickly assess damage and accessibility of storm-impacted areas, and to conduct roof inspections in a way that is safe, efficient and supports social distancing.
• Digital pay options allow for claim settlements to be direct-deposited into customers’ bank accounts, getting funds to customers more quickly, whether or not banks are open.
• Customers are encouraged to use the State Farm Mobile App and online account access for many self-service options such as filing and tracking claims, uploading documents during the claim process, requesting emergency roadside service, setting up a rental car reservation, and setting up digital pay. 
   

 
Crews work to assemble the Customer Care Site in Gonzales, LA

Bringing in-person service where it’s needed most

To provide convenient local service to customers, mobile Customer Care Sites are being set up in multiple locations near the hardest-hit areas of Louisiana. These sites allow customers to receive in-person support with claim handling and disbursement of payments.

Louisiana Customer Care Sites include:

1. Gonzales: 306 Louisiana 30 W, Gonzales, LA 70737 (map)
2. Houma: 6795 West Park Ave, Houma, LA 70364 (map)
3. New Orleans: 8282 I-10 Service Rd, New Orleans, LA 70126 (map)
4. Covington: 69348 Louisiana State Hwy 21, Covington, LA 70433 (map)

Northeast Customer Care Sites include:

1. Livingston, NJ: 112 Eisenhower Parkway, Livingston, NJ 07039 (map)
2. Horsham, PA: 200 Blair Mill Road, Horsham, PA 19044 (map)
3. Queens County, NY: Opening soon

To help agents in impacted areas better serve their customers, agency “command centers” are being set up to provide office space and phone/internet connection to agents who have themselves been impacted by damage from Ida.

Being good neighbors in the community

In addition to assisting our customers directly, State Farm is also helping overall recovery efforts with charitable grants to assist with immediate shelter, food, water, and clothing needs in Louisiana.

State Farm has issued eight Disaster Recovery Grants, for a total of $900,000, to help those impacted by Hurricane Ida:

Louisiana:

• $400,000 to support the local Red Cross chapter of Southeast Louisiana
• $150,000 to support Second Harvest Food Bank of Greater New Orleans
• $100,000 to support Northshore Community Foundation
• $100,000 to support The Catholic Charities Diocese of Houma – Thibodaux

Northeast:

• $50,000 to support American Red Cross New Jersey Region
• $50,000 to support American Red Cross Greater New York Region
• $25,000 to support American Red Cross Southeastern Philadelphia Region
• $25,000 to support the Philabundance organization

Along with these disaster grants, in the days following landfall, State Farm deployed its Customer Response Unit vehicles. These vans drive through impacted neighborhoods and hand out basic essentials to residents such as water, food, work gloves, flashlights, and first-aid kits. During their deployment for Ida, the CRUs have each covered more than 1,300 miles through 18 cities and eight parishes.

The response continues

The impact of Hurricane Ida continued after it moved on from the Gulf Coast, with effects reaching all the way into the northeast U.S., including intense flooding in New York, New Jersey, and Pennsylvania.

State Farm is the nation’s largest home and auto insurer, with the capacity to serve customers through multiple simultaneous disasters. Already, State Farm has received more than 72,000 claims related to the impact of Ida – more than 42,000 in Louisiana and more than 25,000 in the northeast. This is happening all while the same level of service is being provided to those suffering the effects of wildfires in the western U.S., and everywhere else severe weather is impacting State Farm customers.

The story of any major weather event is a long one. The process of recovering, rebuilding, and re-establishing a sense of “normal” can take weeks, months, or even years. State Farm is here to help our customers get through this difficult time.

In addition to the listed efforts below, State Farm has also issued two Disaster Recovery Grants to help those impacted by Hurricane Ida.

• $200,000 to support the local Red Cross chapter of Southeast Louisiana
• $50,000 to support Second Harvest Food Bank of Greater New Orleans

What We’re Doing

Our catastrophe response team is currently assisting customers following Hurricane Ida. We are committed to handling each customer’s claim, bringing the necessary resources and the largest catastrophe response effort in the industry for the benefit of our customers. Here are some of the many ways State Farm is helping with Hurricane Ida relief efforts.

• State Farm agents, agent’s staff and local employees will be available to help customers with their claims as we begin recovery. We are mobilizing teams of claim adjusters, trained for disaster response, to be ready to respond all across the affected areas.
• State Farm policyholders who have damage from can submit and manage their claim through various channels. This includes calling or emailing their State Farm agent, calling 1-800-SFCLAIM, submitting a claim through our mobile app or through our website at statefarm.com/claims.
• In addition to our on-the-ground catastrophe response team, we also have thousands of employees handling claims across the country in our centralized operations – three Centralized Catastrophe Services (CCS) operations and our Initial Loss Reporting (ILR) teams.
  • Our CCS employees work closely with our “on-the-ground” team to efficiently handle our customers’ claims. Our ILR teams are available 24 hours a day, seven days a week to help our customers report losses and begin the claim process. Our ILR associates are available by phones, mobile app and Internet reporting.
     
• State Farm also has the advantage of a fleet of mobile claim handling facilities, innovatively designed to support our ability to provide optimal customer service even under challenging conditions. Vehicles will be deployed as catastrophe needs require.
• We are helping customers in more ways, and right now that means leveraging technology and offering virtual claim handling when appropriate.
• We encourage customers to take photos of all damage and have temporary repairs made to prevent further damage, but only if it’s safe to do so. And to keep their receipts for reimbursement. Customers with damage are urged to report their claim as soon as possible.
• Finally, State Farm is also helping with the recovery efforts with charitable grants to the Louisiana Red Cross and the Second Harvest Food Bank to help with immediate shelter, food, water, and clothing needs.

What are my first steps if I have damage?

What can you expect after initially filing a claim?

Does my homeowner's policy cover hurricane damage?

What type of things are not covered by the typical homeowner's policy during a hurricane?

How do you determine what damages my home from the hurricane: flood vs. wind?

What is my hurricane deductible?

How is the hurricane deductible calculated?

Am I covered for tree debris removal?

What else do I need to know about removing downed trees from my property?

Who is going to help me with my claim?

Who clears my property?

Who pays for my living expenses?

How do I replace everything I have lost?

How do I complete a personal contents inventory of my damaged property?

How long does coverage last for a typical insurance policy?

Does State Farm have the resources to pay all of these claims?

Will rates go up for my homeowners insurance?

What if I experience multiple storms in one season?

What are my first steps if I have damage?

• When it is safe to do so, make (or have a contractor make) temporary repairs to prevent further damage to your home or property.
• Save receipts if you purchase items such as tarps, plywood or other supplies to make repairs.
• Take photos/videos of damage for claim documentation.
• To get the claims process started, you can file your claim online, call 1-800-SFCLAIM (800-732-5246) or contact your State Farm agent.

[TOP]

What can you expect after initially filing a claim?

• After a claim has been filed, a State Farm claims specialist will contact you to discuss the extent of damage and review your policy coverages.
• The complexity and collaboration needed to investigate a claim can sometimes take time, and is necessary for a proper evaluation of your claim.
• If at any time during the claims process, you have questions, do not hesitate to ask your claims specialist. We know this can be a difficult and confusing time. We are here to help you 24 hours a day, seven days a week.

[TOP]

Does my homeowner’s policy cover hurricane damage?

• Unless the damage is excluded in the policy, a typical homeowners policy provides coverage for accidental direct physical loss to your dwelling and may also provide coverage for personal property damage from a hurricane. Flood damage is not covered.

[TOP]

What type of things are not covered by the typical homeowners policy during a hurricane?

• Flooding is not covered under homeowners policies. It is a separate coverage that can be purchased through the federal government’s National Flood Insurance Program. State Farm agents enrolled in the NFIP Direct Program are able to write and service flood insurance coverage directly through the federal government program. Homeowners who have flood coverage and have experienced flood damage should report their claim to their flood insurance carrier so that damages can be assessed. To contact NFIP: 1-888-379-9531. 
• Backup Sewer and Drain: If you have water damage, contact your agent for guidance. Damage from water that enters a home through a sewer, drain, or sump pump is excluded from a homeowners’ policy but coverage may be added to your policy for an additional premium. Homeowners should contact their agent for more information.

[TOP]

How do you determine what damages my home from the hurricane: flood vs wind?

• Policyholders are always encouraged to file a claim should they think they have damage from the hurricane. Coverage and any possible exclusions are then determined during the claims process.

[TOP]

 What is my hurricane Deductible?

• The insurance industry uses hurricane deductibles to account for increased exposure in areas prone to major storm events such as hurricanes.
• State Farm applies hurricane deductibles when a named storm has been declared by the National Weather Service (NWS).
• We encourage State Farm policyholders to review their insurance policy language for the specific provisions related to hurricane deductibles and contact their State Farm agent if they have questions.
• When does the hurricane deductible apply? Each state differs on when the hurricane deductible will apply. Generally, it will apply when a named storm has been declared by the National Weather Service (NWS). Other conditions apply and are outlined in the policy.

[TOP]

How is the hurricane deductible calculated?

• Hurricane deductibles vary. If a policy includes one, State Farm policyholders can find it in their policy documents, or they can contact their State Farm agent.

[TOP]

Am I covered for tree debris removal?

• If a windstorm causes a tree to fall but it does not damage your covered real property (such as your house, fence, carport or garage), the homeowners policy does not cover tree debris removal.
• If a windstorm causes a tree to fall and it damages your covered real property, then coverage is provided to remove the tree from the house, fence, carport or garage to perform repairs to that property. State Farm will also provide up to $1,000 to remove the tree debris from the residence premises. 

[TOP]

What else do I need to know about removing downed trees from my property?

• When hiring a tree removal company you should make sure they are licensed and bonded.
• Also make sure tarping (if appropriate) is included in their work (or another contractor) so that once the tree is removed from the structure, additional damage does not occur through an open/exposed roof. Water mitigation/removal is the next step to reduce the damage caused by water that may have entered your house through the exposed areas.
• Before signing any contracts, talk with your State Farm claim specialist for guidance following a loss.

[TOP]

Who is going to help me with my claim?

• The State Farm team is here to help. Our claims operation includes a dedicated, mobile workforce, specially trained to handle catastrophe claims. These teams are prepared to go anywhere in the country within hours of being notified. They provide claim service, 24 hours a day and 365 days a year.

[TOP]

Who clears my property?

• State Farm homeowners insurance may provide coverage, subject to policy terms and limits, to remove debris from the residence premises. The responsibility to hire someone to clear your land rests with you. We recommend you contact your claim specialist, as they will be able to determine if coverage applies and how much State Farm will pay. Make sure any removal company is licensed and bonded.

[TOP]

Who pays for my living expenses?

• If covered damage is so extensive that your residence is uninhabitable, then Additional Living Expenses (ALE) may be available. Generally, ALE reimburses you for increased living expenses you incur as a result of your home being uninhabitable and is subject to the deductible and the terms and conditions of the policy. ALE is available to you while your home is uninhabitable and being repaired, replaced or up to 24 months, whichever is shorter, and as otherwise indicated in your specific policy.

[TOP]

How do I replace everything I have lost?

• For personal contents (the Coverage B portion of your policy), typically, you are initially paid actual cash value (replacement cost minus depreciation). Then, when you actually replace the damaged personal contents, you will receive the difference as a replacement cost benefit. This assumes the replacements occur within the designated time frame of the contract.

[TOP]

How do I complete a personal contents inventory of my damaged property?

• Your claim specialist is available to assist customers with completing the inventory. Customers who do not need a face-to-face meeting can provide their inventory to their claim handler for processing or submit them electronically directly to their claim file 24/7.
• Customers do not have to wait until their entire inventory is completed to submit to their claim. We encourage submitting inventories by rooms to make it easier for our customers to compile.
• State Farm recommends grouping items of similar quality/price/age: For Example: clothing-jeans-20 pair/shirts-30/etc, cleaning supplies, over-the-counter medication/kitchen utensils as this can help expedite the process. Unusual, specialty or high cost items should be listed individually.
• Again, if you need any assistance with the contents inventory process, all you have to do is ask your claim specialist for help.

[TOP]

How long does coverage last for a typical insurance policy?  

• An insurance policy is a contract. You pay for coverage for a specified amount of time defined as the policy period (for example six months or a year). The contract protects you for that specified amount of time and for losses you incur under that contract.

• Coverage is not cumulative year to year, meaning your premiums do not add up like a savings account to be used when there is a claim.

[TOP]

Does State Farm have the resources to pay all of these claims?

• Disasters like these are a reminder that our business is highly volatile. Despite that volatility, our long history of financial strength is what allows us to keep the commitments we have made to our customers, helping to remove some of the uncertainty from their lives during times of loss.

• We have faced countless significant weather and other major disasters over our 95-year history, and we stand ready for more as we help people manage the risks of everyday life, recover from the unexpected, and realize their dreams.

[TOP]

Will rates go up for my homeowners insurance?

• Rates are determined based on our anticipated need to pay future claims, not to make up for past losses. It is important to note many factors are considered when underwriting and pricing a homeowners insurance policy because each customer’s circumstances are unique.
• We encourage all of our customers to have a conversation with their agent to make sure they are comfortable with the appropriate coverage for their unique situations, including reviewing discounts available to them that could decrease their premiums.

[TOP]

What if I experience multiple storms in one season?

• Each policy is different and the circumstances around each claim are unique. We encourage customers to speak to their agent about their specific situation and how their deductible would apply.

[TOP]

Join the conversation on Yammer!

Long after the news cycle moves on from one West Coast wildfire to the next, from one land-falling tropical system to the next, State Farm^® crews and resources remain in those neighborhoods to help people recover from the unexpected.

Early in a disaster, waves of support come in the form of needed supplies and manpower. But after those first waves subside, the need remains.

To assist, State Farm has issued $250,000 in grants to on-the-ground nonprofits across California, Oregon and Washington.

State Farm actively supports charitable programs and volunteerism in communities across the country every day. But the company also sets aside special funding each year to respond to natural disasters and other crises. These extra funds supplement the support of agents and Claims teams in these communities. They help meet ongoing human services needs (food and shelter) and future prevention projects.

And the good neighbor spirit of agents further extends the reach of the company’s on-the-ground charitable arm.

Wildfires today are extremely different and more dangerous than they were in the past. Wildfires are burning closer to homes, businesses and populated communities compared to previously being events that happen only in forests.

“Today, more families and business owners are being displaced when a wildfire occurs because of evacuation orders and loss of residences and businesses,” Senior Vice President Annette Martinez said. “This leads to an immediate need for shelter, food, evacuation help and medical assistance. These grants will support those recovery efforts.”

“The West Coast recovery effort will be an enormous task,” Director of Corporate Responsibility Ed Woods said. “The organizations receiving grant support through this relief package are some of the first organizations to respond to the devastation and will continue to provide assistance during the recovery phase.”

In addition to the wildfires on the West Coast, State Farm has provided disaster response grants for the Iowa derecho, Hurricane Laura and Nashville tornadoes.

Louisiana agent spearheads Hurricane Laura donation drive

Laura bore down on Lake Charles, La., last month as a powerful Category 4 hurricane, the strongest to strike the state since 1856. In the aftermath, shattered structures, crumpled cars and dangling power lines bore witness to the strength of the storm.

Blake Wheelis is an agent in West Monroe, La., about 200 miles north of Lake Charles. He saw his state smacked yet again by a monstrous storm, only 15 years after Hurricane Katrina.

“Monroe was heavily impacted but nothing like the devastation in Lake Charles,” he said. “My heart hurt for them, so I mobilized efforts to help.”

Blake sent a note to fellow agents telling them about the devastation in his home state. He also created a way anyone can donate to help residents through United Way.

As of Sept. 23, more than $40,000 in donations have poured in.

“State Farm agents are doing what they always do — helping others when they need help,” Blake added. “The bond among us is unique.”

All donations will be used to help feed Lake Charles residents and assist with recovery.

“When all is said and done, none of us will be remembered for how we enjoyed times of prosperity, but we will be remembered for how we responded during times of adversity,” Blake said.

Early in a disaster, waves of support come in the form of needed supplies and manpower. But after those first waves subside, the need remains.

To assist, State Farm has issued $250,000 in grants to on-the-ground nonprofits across California, Oregon and Washington.

State Farm actively supports charitable programs and volunteerism in communities across the country every day. But the company also sets aside special funding each year to respond to natural disasters and other crises. These extra funds supplement the support of agents and Claims teams in these communities. They help meet ongoing human services needs (food and shelter) and future prevention projects.

And the good neighbor spirit of agents further extends the reach of the company’s on-the-ground charitable arm.

Wildfires today are extremely different and more dangerous than they were in the past. Wildfires are burning closer to homes, businesses and populated communities compared to previously being events that happen only in forests.

“Today, more families and business owners are being displaced when a wildfire occurs because of evacuation orders and loss of residences and businesses,” Senior Vice President Annette Martinez said. “This leads to an immediate need for shelter, food, evacuation help and medical assistance. These grants will support those recovery efforts.”

“The West Coast recovery effort will be an enormous task,” Director of Corporate Responsibility Ed Woods said. “The organizations receiving grant support through this relief package are some of the first organizations to respond to the devastation and will continue to provide assistance during the recovery phase.”

In addition to the wildfires on the West Coast, State Farm has provided disaster response grants for the Iowa derecho, Hurricane Laura and Nashville tornadoes.

Louisiana agent spearheads Hurricane Laura donation drive

Laura bore down on Lake Charles, La., last month as a powerful Category 4 hurricane, the strongest to strike the state since 1856. In the aftermath, shattered structures, crumpled cars and dangling power lines bore witness to the strength of the storm.

Blake Wheelis is an agent in West Monroe, La., about 200 miles north of Lake Charles. He saw his state smacked yet again by a monstrous storm, only 15 years after Hurricane Katrina.

“Monroe was heavily impacted but nothing like the devastation in Lake Charles,” he said. “My heart hurt for them, so I mobilized efforts to help.”

Blake sent a note to fellow agents telling them about the devastation in his home state. He also created a way anyone can donate to help residents through United Way.

As of Sept. 23, more than $40,000 in donations have poured in.

“State Farm agents are doing what they always do — helping others when they need help,” Blake added. “The bond among us is unique.”

All donations will be used to help feed Lake Charles residents and assist with recovery.

“When all is said and done, none of us will be remembered for how we enjoyed times of prosperity, but we will be remembered for how we responded during times of adversity,” Blake said.

“Current State Farm driving data and claims experience show a considerable decline in miles driven and fewer accidents,” said Phillip Hawkins, State Farm Senior Vice President. “As a result, we’re looking for ways to continue supporting our Louisiana customers while we monitor and adjust to trends.”

In addition to the auto rate reduction, the discount for participating in Drive Safe & Save™ is increasing to 10%, and empowers drivers to save more on their auto premiums through driving behaviors.

Rate changes in are subject to regulatory approval. Customer rate reductions will vary based on their individual renewals Customers are encouraged to visit with their State Farm agent about individual policies, coverage and any opportunities for discounts, including Drive Safe & Save.

“We’re always evaluating how we can best serve our customers and are very pleased to be able to offer yet another rate decrease in Louisiana,” said State Farm Vice President of Agency Mark Cockerham. Cockerham adds, “Improving expenses and losses were important factors that supported our decision to make this rate change.”

Overall changes in premiums for individual motorists will vary depending on the specific details of an individual customer’s policy and chosen coverages. The proposed effective date for new and renewal business is November 25, 2019.

In addition to this rate reduction, State Farm agents are able to review with new and existing customers the many opportunities for additional discounts that may apply to an individual’s unique circumstances. A rate decrease combined with discounts offers an exceptional long-term value to State Farm customers. Louisiana customer with questions about their coverages can contact their local State Farm agent.

The effective date for new and renewal business is May 13. The last rate change in the state was a decrease of more than 2.0 percent in October 2018. Combined, the two auto rate decreases will save Utah customers approximately $20.3 million.

“State Farm is very pleased to be able to offer another auto rate decrease in Utah,” said State Farm Senior Vice President Denise Hardin. “Improving expenses and losses were important factors, among many, that supported our decision to make this change."

Overall changes in premiums for individual motorists will vary. Rates depend on a customer’s policy and chosen coverage. Customers can contact their local State Farm agent to discuss their individual situation. Additional opportunities for discounts may apply.

A rate decrease, combined with discounts, offers exceptional long-term value to State Farm customers.

“We’re always evaluating how we can best serve our customers and are very pleased to be able to offer this rate decrease in Louisiana,” said State Farm Vice President-Agency Mark Cockerham. “Improving expenses and losses were important factors, among many, that supported our decision to make this rate change.”

Overall changes in premiums for individual motorists will vary depending on the specific details of an individual customer’s policy and chosen coverages. The effective date for new and renewal business is April 1, 2019. Customers with questions can contact their local State Farm agent to discuss their individual situation.

In addition to this rate reduction, State Farm agents are able to review with new and existing customers the many opportunities for additional discounts that may apply to an individual’s unique circumstances. A rate decrease combined with discounts offers an exceptional long-term value to State Farm customers.

State Farm sponsored assist patrols in 18 states help keep the nation’s highest-trafficked roadways safe and clear. They reduce congestion, help stranded motorists, and provide traffic control and safety at incident scenes.

Safety patrols are operated by state departments of transportation and toll road authorities. They are known by a variety of names in 40 states. Their free services include changing flat tires, providing a jump-start or small amount of gasoline, and minor safety repairs.

“The safety patrols embody our ‘good neighbor’ philosophy and underscore our commitment to auto safety,” said Ed Gold, advertising director. “They help people recover from the unexpected, which is the heart of the State Farm mission.”

State Farm sponsorship helps increase coverage areas and raises awareness about the patrols. This helps the motoring public feel more secure when traveling the nation’s interstate system. Sponsored highway signs mark coverage areas. The bright red State Farm reflective markings also improve patrol vehicle visibility.

State Farm sponsors the safety patrols in Colorado, Connecticut, Florida, Georgia, Illinois, Indiana, Kansas, Louisiana, Maine, Maryland, Nevada, New Hampshire, New Jersey, New York, North Carolina, Ohio, Pennsylvania and Wisconsin.

State Farm has been committed to roadway safety since its founding in 1922. The company seeks to increase the safety of all drivers and passengers from infancy to the driver’s seat.

*Safety Service Patrol Priorities and Best Practices: USDOT Federal Highway Federal Highway Administration, April 2017

“The company’s current financial strength is allowing us to pass along a rate reduction to our Louisiana customers," said State Farm Senior Vice President Phillip Hawkins. “We continually evaluate how we can best serve our customers and are very pleased to be able to offer this rate decrease in Louisiana.”

Overall changes in premiums for individual motorists will vary depending on the specific details of an individual customer’s policy and chosen coverages. The effective date for new and renewal business is July 9, 2018. Louisiana customers with questions can contact their local State Farm agent to discuss their individual situation.

In addition to this rate reduction, State Farm agents are able to review with new and existing customers the many opportunities for additional discounts that may apply to an individual’s unique circumstances. A rate decrease combined with discounts offers an exceptional long-term value to State Farm customers.

Bloomington, Illinois (October 21, 2016) – State Farm is introducing a new coverage endorsement in several states to help fill insurance gaps for its policyholders who use their personal cars to provide rides for a Transportation Network Company (TNC), like Uber and Lyft. The TNC industry is rapidly changing the livery/taxi industry by using the latest mobile technology to facilitate rides for hire. With these new transportation services in the marketplace, drivers are exposed to new risks.

Insurance provided by TNCs may be limited in scope and coverage. Personal auto policies generally do not extend coverage to the use of personal cars as taxis or livery vehicles, including their use in TNC services.

To adapt to changing customer needs, beginning Monday, October 21, 2016, State Farm will offer a Transportation Network Company Driver Coverage endorsement in Connecticut, Delaware, Georgia, Idaho, Indiana, Louisiana, Mississippi, North Dakota, Nebraska, Ohio, Oklahoma, Oregon, Washington and West Virginia.

The effective date for new and renewal for all states except GA: October 21, 2016. The effective date for new and renewal for GA: November 21, 2016

Ten jurisdictions obtained the endorsement earlier this year: Alabama, California, Colorado, Iowa, Kentucky, Maine, Minnesota, Tennessee and Wisconsin .

"Adapting and innovating to our customers' changing needs is critical," said Vicki Harper, State Farm Public Affairs Specialist. "This new product is an example of our commitment to our customers and provides them coverage, and peace of mind, when they use their personal cars to provide TNC services."

TNCs may provide high liability coverage limits while a paying passenger occupies the driver's vehicle or when the driver has been connected with a passenger and is on the way to pick that person up. But TNCs tend to provide a much lower limit of liability coverage when drivers are just available for hire and may not provide the drivers with any medical payments, comprehensive, or collision coverages at all. The TNCs may not be providing coverage for injuries to the driver or coverage for any damage to the driver's personal car.

The new, optional State Farm TNC Driver Coverage endorsement enables a policyholder to have his/her personal auto policy fill in the coverage gaps left by TNC-provided insurance. This cost-effective endorsement provides the driver with the full liability coverage limits carried on his/her auto policy during the period of time when the driver is available for hire, and provides the driver with all other coverages applicable to his/her auto policy during all periods of TNC driving.

Customers in these states who drive for a TNC should contact their local State Farm agent to learn more about the new State Farm TNC Driver Coverage endorsement.

With Who Let the Dogs Out blaring in the gymnasium and the friendly Neigh Bear dancing to the music, State Farm Fire Claim Representative Carolyn Pitre and her band of puppeteers take the stage at LaSalle Elementary in Baton Rouge, Louisiana in hopes of preventing dog bite injuries with children.

For nearly 15 years, this dog bite program has taught thousands of children dog safety. It all started with an old refrigerator box and the handy State Farm educational booklet “Fido – Friend or Foe?” Over the years, with the help of Carolyn’s dad, the puppets have earned a real stage and continue to develop their program. As a former school teacher, Carolyn feels right at home in front of 200 pre-K to first graders and loves carrying on this message year after year.

“It’s all about education and prevention. I’ve worked some really bad dog bite claims over the years, and we want to do our part to educate little ones on safety with dogs,” states Carolyn.

Careful Clara (Karen Hope), Safety Sam (Troy Alfred) and Watchful Willy (Barry Hunter) teach the kids all types of dog etiquette and safety. The kids learn how to let the dog smell their fist first like a “hand shake,” and how to roll up into a ball in case a dog does attack. With help from Cassandra Whitty and Marvin Snyder, the practice session helps to ensure that all the kids are prepared to interact safely with dogs. Karen, Troy, Barry, Cassandra and Marvin all know the facts about dog safety and share the knowledge they’ve learned on the job at State Farm.

Whether a dog is a family friend or a stray on the street, the kids of LaSalle Elementary leave the State Farm puppet show each year with knowledge that could save their life.