Eighty-two percent of U.S. fire departments are comprised entirely or mostly of volunteer firefighters. Many of these departments operate on limited budgets that leave them struggling to fund equipment that enables them to more effectively and safely do their jobs. Recognizing this need, State Farm and the NVFC teamed up to provide $1.5 million to local fire departments in 2026. Since the program began in 2024, a total of $4 million has been distributed to support volunteer fire departments with their equipment needs.

“Volunteer firefighters are there for their communities no matter what the emergency, from structure and wildland fires to vehicle crashes and medical emergencies to natural disasters and hazardous materials incidents,” said NVFC Chair Steve Hirsch. “Yet many local departments lack the funding to purchase the resources and gear they need, forcing them to rely on outdated or insufficient equipment. We thank State Farm for taking action to address this need by helping local departments secure critical equipment so they can do their jobs more safely and effectively.”

“At State Farm, we are committed to helping people manage everyday risks and building safer, stronger communities,” said Rasheed Merritt, State Farm HR&D Exec-Corp Responsibility. “We are proud to support volunteer firefighters with equipment needed to enhance safety.”

The announcement of the 2026 recipients was made on August 18, a date many celebrate as Volunteer Firefighters Recognition Day. Grants will be used to purchase a wide variety of department necessities, including personal protective equipment, EMS and rescue tools, communication devices and much more.

State Farm and the NVFC will also join select fire department recipients at community engagement events this fall, which may include open houses, fire prevention events, parades or other local gatherings.

In addition to the 150 grants, State Farm provided complimentary NVFC memberships to the first 2,000 eligible applicants to provide more responders with access to an array of benefits, including free training, support services and more. The NVFC is the leading national nonprofit association serving the volunteer fire, emergency medical, and rescue services.

Learn more about the Good Neighbor Firefighter Safety Program, including a list of departments receiving the grants, on the NVFC website at www.nvfc.org/statefarm.

The storms brought destructive winds, reported tornadoes, flash flooding and widespread power outages.

State Farm has received over 8,000 storm-related claims from this recent severe weather, with the most significant concentrations in Indiana, Illinois, and Ohio.

State Farm catastrophe claim teams are deployed and ready to assist. Team members are actively contacting customers and providing claim support throughout the recovery process.

How to file a claim (home or auto)

Customers are always welcome to reach out with questions or concerns. We are here to help. State Farm customers can submit and manage a claim through the channel that works best for them:

• Call or email your State Farm agent
• Call 1-800-SF-CLAIM
• File in the State Farm mobile app
• File online at statefarm.com/claims
• Text “CLAIM” to 62789 to receive a link to file a claim
  

Making temporary repairs to damaged property

When it is safe to do so, customers with repairable or limited property damage should make reasonable temporary repairs to help prevent additional damage. Depending on the customer’s coverage, the cost of these temporary repairs may be reimbursed. Customers should save receipts for tarps, plywood and any other materials purchased to protect or temporarily repair damaged property.

Tips to help protect customers from fraud and scams

We encourage anyone seeking storm-damage repairs to learn how to recognize and avoid scams and deceptive contractor practices. Additional information is available in Help Protect Yourself From Contractor Fraud on statefarm.com.

State Farm has mobilized catastrophe claims teams and deployed onsite resources to help customers recover. Most of our customers have never experienced an event like this. It's stressful and we know they have questions and concerns. We're here for them, working alongside local agents who live and work in eastern Washington to help customers begin the recovery process as quickly as possible. 

So far, State Farm has provided approximately $60 million to customers impacted by the Spokane wildfires. We have received over 800 home and auto claims from the fires, and we expect this number to increase. At this early stage, the majority of our customers filing these initial claims are reporting severe damage and/or uninhabitable homes. We know how devastating this is for customers and we’re here to help.

Customer interactions

State Farm claim handlers have talked with hundreds of customers at these locations so far, listening to their stories, gathering information about their losses, and helping families address immediate needs – such as coverage for temporary housing and advance payments for food, clothing and other essentials, where applicable.

It can be incredibly emotional.

WATCH: Customer shares how their “amazing” State Farm agent started helping immediately.

“One man only evacuated with the clothes on his back and his sandals. His belongings were destroyed including his medicine. He started crying at the site while we were helping him. Some people haven’t had time to grieve yet, so it gets emotional for them.”

~ Cesar Soriano, Claims team member

“Quite a few people we know have been displaced. I was driving back to town on Saturday when claims first started coming in. A lot of people have lost their homes, personal belongings and the memories tied to those items, so we’re doing our best to help them through that. Our physical presence in the midst of this devastation is critically important.”

~ Kevin Louden, Claim Specialist - Proximity

More on how State Farm claim handlers help customers: A day in the life of catastrophe response.

How to file a claim (home or auto)

Customers are always welcome to reach out with questions or concerns. We are here to help. State Farm customers can submit and manage a claim through the channel that works best for them:

• Call or email your State Farm agent
• Call 1-800-SF-CLAIM
• File in the State Farm mobile app
• File online at statefarm.com/claims
• Text “CLAIM” to 62789 to receive a link to file a claim

As of June 19, State Farm Illinois customers have filed nearly 50,000 severe-weather-related claims for home and auto. This puts Illinois on pace for the highest catastrophe claim volume in a decade. Homeowner claims are currently 47 percent above the 10-year average, and State Farm Auto is on track for its second-highest catastrophe claim volume in the past 10 years, with claims 101 percent above the long-term average.

State Farm's claims data reflects a broader pattern documented by experts across Illinois. Through June 25, the NOAA Storm Prediction Center has received 210 preliminary tornado reports across Illinois, driven by widespread outbreaks in March, April and June. One of the largest occurred April 17, when 28 tornadoes were documented across Central Illinois, setting a record for the most tornadoes observed in a single day within the National Weather Service's Lincoln forecast area.

Historical reporting continues to show an upward trend of severe weather in Illinois. The state recorded 121 confirmed tornadoes in 2023, a record-setting 142 in 2024 and another 126 in 2025. Each is well above the state’s long-term average of 54 tornadoes annually.

Wind and hail are driving losses

While tornadoes often dominate headlines, wind and hail frequently cause the most widespread property damage. State Farm's hail claims data shows Illinois' growing exposure over the past four years.

In 2025, Illinois ranked third nationally, with $558 million in hail-related claims paid by State Farm. Only Texas and Missouri recorded higher totals. Across the country, State Farm paid more than $5.6 billion in hail-related claims during the year.

In 2024, Illinois ranked second nationally with more than $899 million in hail-related claims. In 2023, Illinois ranked third nationally with $906 million in hail-related claims. And in 2022, Illinois ranked fourth nationally with $263 million in hail-related claims, demonstrating the state's continued place among the nation's most costly locations for hail damage[1].

The pattern has continued into 2026, with March storms accounting for more than 50,000 State Farm claims across the Midwest. On March 10, severe storms produced exceptionally large hail across northern Illinois, including multiple hailstones measuring 6 inches or larger in Kankakee, Ill, now being considered for a new state record. During this severe weather event, Illinois had one of the highest claim counts.

Public weather records reinforce those trends. Illinois recorded 716 severe wind reports and 216 severe hail reports in 2024[2], followed by another 656 damaging wind reports and 167 severe hail reports in 2025[3]. Long-term National Weather Service records show damaging wind remains the state's most common severe weather hazard.

Illinois' most damaging storms are increasingly becoming multi-peril events, with tornadoes, destructive straight-line winds, large hail and flash flooding occurring during the same weather event.

Supporting Illinois customers through an active storm season

As Illinois experienced multiple rounds of severe weather this spring, State Farm has been actively responding to help customers recover as quickly as possible. Since the beginning of the spring storm season, Catastrophe Claims Teams have been deployed across Illinois and the Central U.S.

With the largest claims force in the industry, State Farm’s catastrophe response is designed to scale as weather events develop. Our claims teams, local agents, on-the-ground mobile support, and digital claims tools enable customers to begin the recovery process in the way that works best for them.

Illinois has experienced several consecutive years of active severe weather, with storms increasingly producing multiple hazards, driving both community impacts and insurance losses.

As severe weather continues to evolve year to year, State Farm uses its data and insights to strengthen catastrophe preparedness and position claims support ahead of major events to help customers when it matters most.

[1] Data in this section is as of July 20, 2026.

[2] Source: https://stateclimatologist.isws.illinois.edu/2025/01/15/2024-weather-was-very-warm-and-wild/

[3] Source: https://stateclimatologist.isws.illinois.edu/2026/01/13/2025-was-warm-and-dry-in-illinois/

Our priority is taking care of our customers’ needs and helping people start recovery as quickly as possible. When it is safe for customers to return home, we encourage them to reach out to us if they have damage and get the claim process started.

How to file a claim (home or auto)

Customers are always welcome to reach out with questions or concerns. We are here to help. State Farm customers can submit and manage a claim through the channel that works best for them:

• Call or email your State Farm agent
• Call 1-800-SF-CLAIM
• File in the State Farm mobile app
• File online at statefarm.com/claims
• Text “CLAIM” to 62789 to receive a link to file a claim

Some were directly impacted by the fires themselves, and they’ve continued to serve customers while supporting recovery in their own communities. By serving others in this manner, these people embody who we are at State Farm, and we appreciate their dedication and hard work. 

In that same spirit, State Farm has given an additional $2 million to various organizations in California like the Red Cross, all helping people affected by the fires. State Farm is also contributing to and working with organizations like Watch Duty to help alert of fires and the Insurance Institute for Business and Home Safety (IBHS) to identify and implement more fire resistant building codes and materials. 

There are many forces at work within the California marketplace that are critical to its long-term sustainability. We will continue to work with public and private stakeholders to build a more stable, sustainable insurance market that allows us to match price to risk, so families can find coverage they can count on. Our goal remains to be part of the solution and extend our nearly 100 years of serving the people of California. 

To the State Farm colleagues who have helped over the past year: thank you. 

To the many individuals and organizations who have stepped up: we appreciate you. 

To everyone affected by these fires, we remain committed to helping you recover and rebuild your lives. 

One year after the Los Angeles wildfires: State Farm® continues to help

So far, State Farm has received over 17,000 home, property, and auto claims from these late April storms in Missouri. We are actively working to help our customers recover by providing all benefits available under their policies.

Our priority is taking care of our customers’ needs and helping people start recovery as quickly as possible. We encourage customers with damage to reach out and get the process started. We are here to help!

Supporting Missouri communities

This year State Farm provided $75,000 in philanthropic support to Convoy of Hope for Missouri disaster preparedness and recovery efforts. These funds provide support for critical needs including shelter, food pantry supplies and other resources to help local communities recover.

We’re here, and we’re staying close

We’re proud to serve over 2 million customers in Missouri. In the last five years, Missouri has unfortunately experienced some of the most frequent catastrophe events in the country. Approximately 3,500 local agents, agent team members and employees live and work in the state. Supported by the State Farm Catastrophe Response Team®—the largest catastrophe response team and fleet in the insurance industry, we’re here to help our Missouri customers recover as quickly as possible after severe weather strikes.

How to file a claim (home or auto)

Customers are always welcome to reach out with questions or concerns. We are here to help. State Farm customers can submit and manage a claim through the channel that works best for them:

• Call or email your State Farm agent
• Call 1-800-SF-CLAIM
• File in the State Farm mobile app
• File online at statefarm.com/claims
• Text “CLAIM” to 62789 to receive a link to file a claim

Staying alert as more storms are forecast

With more storms in the forecast, please stay tuned to local weather services and follow official warnings. If you have damage or questions, reaching out early can help you start the recovery process sooner.

Hail is one of the most frequent and costly weather hazards in the U.S., causing major damage to homes, vehicles, and property. In 2025, State Farm paid out more than $5.6 billion in hail-related claims. Texas led the nation with $1.4 billion in claims, followed by Missouri, Illinois, Wisconsin, and Oklahoma. 

March storms have already triggered over 50,000 claims in the Midwest. On March 10 alone, the National Weather Service reported more than 650 hail events across nine states, including Texas, Kansas, Missouri, Oklahoma, Illinois, and Iowa—six of the top states for State Farm hail claims paid last year. Hail sizes ranged from quarters to baseballs and even grapefruits. 

For millions of homeowners and property owners in hail-prone areas, this underscores the importance of knowing your roof and your insurance policy. 

Protect Your Home

When hail strikes, your roof often bears the brunt of the damage, but windows, gutters, and siding are also at risk. Understanding your roof’s age, material, and condition helps determine how it will hold up and what your insurance will cover. For example, a 30-year-old roof is less resilient and may have lower replacement value than a newer one.

Regular maintenance and inspections can reduce damage and costs. Work with your insurance agent to ensure you have the right coverage before a storm hits.

Avoid Contractor Scams

After a hailstorm, it’s common to see contractors canvassing neighborhoods offering repairs. Beware of scams. Always verify a contractor’s license and reputation. Before signing any repair contract, consult your insurer. They can confirm coverage, assess damage, and may offer programs or discounts to ease your recovery. Once you sign a contract, your insurer’s ability to assist may be limited.

Choose Impact-Resistant Materials

Investing in impact-resistant roofing materials can reduce damage and repair costs, especially in hail-prone regions. Replacing wood shingles with durable options may also qualify you for insurance discounts. Check with your agent for eligibility.

By knowing your roof, understanding your policy, avoiding scams, and choosing resilient materials, you can better protect your home and make recovery smoother after hail damage.

Prepare Before the Storm

Before any severe storm approaches, take important and proactive steps to prepare your home and minimize potential damage, help to protect your property, ensure your safety, and reduce the stress and cost of repairs after the storm passes.

• Inspect the Roof: Check for loose or damaged shingles and repair them to reduce the risk of hail damage.
• Secure Windows and Doors: Make sure windows, doors, and screens are tightly sealed and consider installing storm shutters if available.
• Clear Gutters and Drains: Remove debris to prevent water backup and damage during heavy rain.
• Trim Trees: Cut back branches that could break and damage your home or vehicles.
• Protect Outdoor Items: Bring in or secure patio furniture, grills, and other items that could be damaged or become projectiles.
• Check Insurance Coverage: Review your homeowner’s and auto insurance policies to understand your coverage for hail damage.
• Document Your Property: Take photos or videos of your home and belongings for insurance purposes in case of damage.

At State Farm, we have helped hundreds of thousands recover from hail damage. By preparing early and staying informed, you can protect your home, reduce stress, and recover with confidence—no matter what the weather brings.

Distracted driving kills 10,000 Americans annually. It's time to act.

Even small changes that can make a huge impact – saving thousands of lives and preventing hundreds of thousands of avoidable injuries.

New vehicles are frequently described as 'computers on wheels’. Although intended to enhance the driving experience, they can also create significant distractions for drivers.

Americans Demand Action

A new study from State Farm® found that distracted driving is the top roadway safety concern among U.S. licensed drivers ages 18 to 75.

Of the 1,901 drivers surveyed:

Cell phones are only one of many distractions drivers face. 

Another growing concern is in-vehicle infotainment systems and interactive displays. Many newer vehicles feature touchscreens that let drivers control music, navigation, vehicle settings, and information such as weather and traffic alerts. Nearly 70% of survey respondents said these technologies distract drivers.

Sources

Blincoe, L., Miller, T., Wang, J.-S., Swedler, D., Coughlin, T., Lawrence, B., Guo, F., Klauer, S., & Dingus, T. (2023). The economic and societal impact of motor vehicle crashes, 2019 (Revised). National Highway Traffic Safety Administration, Report No. DOT HS 813 403. 

Olson, R.L., Hanowski, R.J., Hickman, J.S., & Bocanegra, J. (2009). Driver Distraction in Commercial Vehicle Operations. Washington, DC: Federal Motor Carrier Safety Administration, USDOT. Report No. FMCSA-RRR-09-042.

State Farm. (2026). National Survey on Distracted Driving Behaviors & Countermeasures. Bloomington, IL.

This summer, State Farm Mutual will begin making a one-time distribution to qualifying customers across more than 49 million State Farm Mutual auto vehicles. This dividend is possible due to State Farm Mutual’s financial strength and a stronger than expected underwriting performance, which has been reported industry wide. As a mutual company, State Farm® is uniquely positioned to provide value directly to customers rather than shareholders. The payments average $100 per vehicle and will vary by state and premiums paid.

“As a mutual company with a customer-first focus, State Farm Mutual is able to provide value directly to our customers while maintaining financial strength to keep our promises in the future. That translated this year to lower auto rates and cash back in the form of a $5 billion policyholder dividend.” – Jon Farney, State Farm Mutual President and CEO.

In addition to the dividend, downward trending auto repair costs and frequency of collisions in 2025 have allowed State Farm Mutual to lower auto rates in 40 states in recent months, by an average of 10 percent, with premium savings to consumers of $4.6 billion. We will continue to monitor these trends and continue to take appropriate action.

For over 100 years, the mission of State Farm has been to help people manage the risks of everyday life, including investments in research that turns knowledge into protection – making driving safer and smarter for everyone. To that end, State Farm launched a national distracted driving awareness program, grounded in the company’s consumer research, to help further reduce the number of accidents and make roads safer.  

State Farm today released financial results for 2025, including strong underwriting results and growth in the value of its investments leading to an expanded net worth, which enhances the ability to meet the needs of customers. 

Positive performance in the auto business led State Farm Mutual Automobile Insurance Company (State Farm Mutual) to declare a one-time $5 billion cash back dividend for qualifying auto customers. This dividend will be paid in 2026 and is on top of the savings from recent auto rate reductions by State Farm Mutual in 40 states amounting to about $4.6 billion annually in lower total annual premiums for our customers. In addition to the $5 billion in payments to auto customers, State Farm Life Insurance Company and State Farm Life and Accident Assurance Company reported nearly $1 billion in total dividends to qualified life policyholders – the highest in those companies’ history. 

Staying true to its mission of helping people recover, State Farm Mutual and its property and casualty affiliates reported incurred claims of $78 billion, including payments of nearly $15 billion in 2025 to customers experiencing catastrophe claims in addition to our community-level philanthropic contributions. More than 1,000 State Farm employees, agents and agent team members deployed to California to help more than 13,500 customers with claims following devastating wildfires in January 2025. To date, State Farm Mutual and State Farm General Insurance Company together have issued over $5 billion in payments to families whose cars, homes and property were damaged or destroyed by those fires. Because many claims, repairs and rebuilds are still underway, it is anticipated that total payments could reach $7 billion. Hundreds of State Farm team members remain on the ground in the Los Angeles area assisting customers. 

A Look at 2025 Financial Results 
The State Farm group of companies continues to grow, providing insurance and financial services products across nearly 97 million policies and accounts. In addition, the State Farm group makes third party products available to meet a variety of customer needs including, but not limited to, variable annuities, banking, mutual funds and pet medical. 

The financial strength of State Farm Mutual and each of its affiliates is key to fulfilling promises to customers in the future and expanding and enhancing service to customers. 

In 2025, the State Farm group of companies reported an underwriting gain, representing an improvement over prior year and consistent with industry-wide trends. As a mutual company without shareholders, State Farm Mutual is uniquely positioned to provide value directly to customers such as policyholder dividends. 

The State Farm property and casualty affiliates reported earned premium of $111.6 billion and a combined underwriting gain of $1.5 billion. This result compares to an underwriting loss of $6.1 billion on earned premium of $103.0 billion in 2024. The change over 2024 reflects an improvement in auto insurance underwriting results while the home insurance underwriting results were impacted by the January 2025 Los Angeles wildfires. The 2025 underwriting gain, combined with investment and other income of $7.0 billion, resulted in a property and casualty pre-tax operating profit of $8.5 billion, which compares to the $111 million loss reported in 2024. 

The State Farm life insurance affiliates reported $924 million in dividends to policyholders and issued a record $130 billion in new policy volume bringing the year-end 2025 individual life insurance in force to $1.2 trillion. 

Total revenue, which includes premium revenue, earned investment income and realized capital gains (losses) was $132.3 billion for 2025 compared to $123.0 billion for 2024. State Farm reported a net income of $12.9 billion in 2025 compared to a net income of $5.3 billion in 2024. The reported net income for 2025 includes the impact of $2.0 billion of realized capital gains, net of tax. 

The net worth for State Farm Mutual ended the year at $170.0 billion compared to $145.2 billion at year-end 2024. This increase was due to the property and casualty companies’ pre-tax operating profit and, in large part, an increase in the value of the property and casualty companies’ unaffiliated stock portfolios. 

A Look at How Core Lines of Business Performed 
The State Farm group’s insurance operations consist of 14 property and casualty companies and two life companies, each of which is managed on an individual affiliate level. The property and casualty companies are primarily engaged in automobile, health, homeowners, and commercial multiple peril (CMP) lines of business. The life companies are primarily engaged in individual life insurance and annuity business. 

Auto 
The State Farm auto insurance business represented 63 percent of the property and casualty companies’ combined net written premium. Earned premium was $71.3 billion. Incurred claims and loss adjustment expenses were $52.6 billion and all other underwriting expenses totaled $14.1 billion. The underwriting gain was $4.6 billion. Comparable 2024 figures were: earned premium, $67.5 billion; incurred claims and loss adjustment expenses, $56.2 billion; all other underwriting expenses, $14.0 billion; underwriting loss, $2.7 billion. 

Homeowners, CMP, Other 
The net written premium for the remainder of the State Farm property and casualty business represented 36 percent of the property and casualty companies’ combined net written premium. Earned premium was $39.2 billion. Incurred claims and loss adjustment expenses were $33.6 billion and all other underwriting expenses totaled $8.6 billion. The underwriting loss was $3.1 billion. Comparable 2024 figures were: earned premium, $34.5 billion; incurred claims and loss adjustment expenses, $30.1 billion; all other underwriting expenses, $7.9 billion; underwriting loss, $3.6 billion. 

Life 
In 2025, State Farm Life Insurance Company and State Farm Life and Accident Assurance Company reported premium income of $6.9 billion and $924 million in dividends to policyholders – the highest life insurance dividend in State Farm history. Net income for 2025 was $2.1 billion. There was $1.22 trillion in individual life insurance in force at the end of 2025. Comparable 2024 figures were: premium income, $6.7 billion; dividends to policyholders, $817 million; net income, $1.7 billion; individual life insurance in force, $1.18 trillion. 

Health 
The individual health insurance operations for State Farm Mutual reported an underwriting loss of $189 million, excluding the change in the premium deficiency reserve. Net written premium was $756 million. Comparable figures for 2024 were: underwriting loss, $130 million; net written premium, $731 million. 

Investment Planning Services 
Total assets under management for the Investment Planning Services operation at the end of 2025 were $17.5 billion. State Farm VP Management Corp. and State Farm Investment Management Corp. reported a combined net loss of $39 million in 2025. Comparable figures for 2024 were: total assets under management, $15.2 billion; net loss, $33 million. 

Although financial information is presented on a group/line of business basis, State Farm Mutual Automobile Insurance Company and each of its affiliates must meet solvency and regulatory requirements on an individual entity-by-entity basis without regard to the solvency or financial condition of any other affiliated entity.

State Farm VP Management Corp. is a registered broker-dealer. State Farm VP Management Corp. is a separate entity from those affiliated and/or unaffiliated entities which provide advisory services, banking products and insurance products. Advisory Services provided by State Farm Investment Management Corp. (SFIMC), a registered investment adviser. Securities are not FDIC insured, are not bank guaranteed and are subject to investment risk, including possible loss of principal. Neither State Farm nor its agents provide tax or legal advice. AP2026/02/0159

Making a Difference

State Farm is taking action to help prevent and mitigate driver distraction through a multi-year strategy focused on key countermeasures aligned with education, technology, and public policy, such as its support of Congressman Kevin Mullin’s legislation, H.R. 3360 — the Driver Technology and Pedestrian Safety Act of 2025, which calls for a study of in-vehicle technology to understand the risks of driver distraction and the impact on the safety of other road users; advocacy for state hands-free cell phone legislation; and the launch of the Good Neighbor Auto Safety Champion Awards, which recognize individuals and organizations that sponsor or advocate for stronger traffic safety laws.
 

The Research 

A new study completed by State Farm® found that distracted driving is the #1 roadway safety concern among U.S. licensed drivers ages 18-75. More than half of the 1,901 drivers surveyed reported distracted driving as a top concern, followed by aggressive driving (45%), alcohol-impaired driving (41%), speeding (38%), and running red lights/stop signs (28%). 

Distracted driving is a significant, widespread, and preventable issue. According to the U.S. Department of Transportation, 29% of all motor vehicle crashes are caused by distracted drivers – resulting in more than 10,000 fatalities, 1.3 million injuries, and 5.6 million damaged vehicles each year. It is estimated that the annual economic cost of distraction-related crashes is nearly $100 billion (Blincoe 2023). 

Of those surveyed, 

• More than 85% agreed or strongly agreed that hand-held cell phone use while driving increased driver distraction and crash risk.
• 78% felt that hands-free cell phone use is safer than hand-held cell phone use while driving.
• 81% were supportive of legislation that prohibits drivers from holding their cell phones while driving.
• 70% felt that there would be significantly or somewhat less driver distraction with hands-free cell phone laws. 

However, cell phones are just one of many distractions that drivers face behind the wheel. Another growing area of concern is in-vehicle infotainment and interactive displays. Many of today’s vehicles are equipped with touchscreens where drivers can control music, GPS navigation, certain vehicle controls, and get other information such as weather and traffic alerts. More than 69% of those surveyed indicated that these types of technologies are distracting to drivers. 

Sources 

Blincoe L, Miller T, Wang J, Swedler D, Coughlin T, Lawrence B, Guo F, Klauer S, Dingus T. February 2023. The economic and societal impact of motor vehicle crashes, 2019 (Revised). National Highway Traffic Safety Administration, Report No. DOT HS 813 403. 

State Farm. February 2026. National Survey on Distracted Driving Behaviors & Countermeasures.

Tips to Help Protect Your Home

• Keep your home brightly lit indoors and outside.
• Consider setting up a home security system with cameras. You might even qualify for discounts on your homeowners insurance.
• Try to keep shrubs and bushes trimmed so burglars have fewer places to hide.
• Clear debris and other obstacles from your lawn, sidewalks and steps.

Tips to Help Protect Your Car

• Park in a garage. If you don't have a garage, consider using motion lights that can help deter vandals and alert you or your neighbors of activity.
• When you're away from home, park in a well-lit, populated area — preferably a gated lot or secure parking garage.
• For added protection, park in a spot away from objects that might conceal vandals, such as large vehicles, dumpsters or shrubbery.

There is some good news regarding your vehicle depending on your coverage. According to State Farm, vandalism on a vehicle would be covered under your auto insurance policy’s Comprehensive Coverage. This coverage would apply to losses caused by theft or damage from a break-in, fire, glass damage, falling objects and other non-collision-related damage.

Things to Consider before Halloween

• Eliminate temptations by removing valuables from your vehicle.
• Bumper stickers may also tempt vandals. If someone doesn't agree with your expressed views, you could become the target of vandalism.
• Consider adding an alarm system and/or surveillance cameras to your car to help make it a less desirable target. Sometimes, simply having a security system decal is enough.
• Also remember to close your car windows and lock the car, even when you park at home.

Tips to Keep Trick or Treating Safe

According to Safe Kids Worldwide, children are more than twice as likely to be hit by a car and killed on Halloween than on any other day of the year. Here are some things to consider before heading out on foot Halloween night.

If you're going door-to-door

• Always accompany young children.
• Exercise great caution during the "scariest" hours - between 5 and 9 pm. It is especially dangerous for pedestrian accidents between 6 and 7 pm.
• Stick to neighborhoods with sidewalks. If you must walk on the street, keep to the far left, facing traffic.
• Practice safe crossing procedures - use crosswalks; wait for corners; and look left, right and left again before crossing.
• Stick reflective tape onto costumes to make your child more visible. Also have them carry a flashlight.
• Make sure costumes and shoes are the correct size to prevent tripping.
• Use face paint and leave the masks at home. They can obstruct vision.
• If an older child is venturing out without supervision, ask them to go with a group. Discuss the route and agree on a curfew. Give older kids cell phones so they can stay in touch.

If you're driving

• Drive slowly.
• Be alert for children and eliminate in-car distractions.
• Practice extra caution at intersections and corners.
• Pull in and out of driveways carefully.
• Discuss these and other driving pointers with your teen driver.

In 2024, State Farm continued to fulfill its mission of helping people manage the risks of everyday life, recover from the unexpected and realize their dreams. We maintained our commitment to helping more customers and, in turn, saw an increase of more than one million policies and accounts. While auto and fire insurance companies within the State Farm group of companies reported underwriting losses, results improved over prior year. The State Farm life insurance companies reported $817 million in dividends to policyholders and issued a record $122 billion in new policy volume bringing the year-end 2024 individual life insurance in force to $1.2 trillion.

“After another year of catastrophe events, State Farm was there to help our customers recover from the unexpected and will continue to do so as we focus on our customers impacted by the devastating wildfires in California. As of February 26, we’ve received more than 11,750 total fire and auto claims related to the fires and have paid nearly $2.2 billion to our customers,” said Senior Vice President, Treasurer and Chief Financial Officer Mark Schwamberger. “Our customer-centered approach leads us to measure success in the number of promises kept. The financial strength of each affiliate is critical to our ability to keep those promises, and we will continue to take a state-specific approach in the way in which we operate.”

The net worth for State Farm Mutual Automobile Insurance Company ended the year at $145.2 billion compared to $134.8 billion at year-end 2023. The change during 2024 includes an increase in the value of the P-C companies’ unaffiliated stock portfolio, driven by increases in the U.S. equities market, partially offset by the P-C group of companies pre-tax operating loss. The State Farm P-C group of companies reported earned premium of $103.0 billion and a combined underwriting loss of $6.1 billion. This result compared to an underwriting loss of $14.1 billion on earned premium of $87.6 billion in 2023. The change over 2023 reflects significant improvement in auto lines underwriting results which was partially offset by an increase in homeowners incurred catastrophe claims. The 2024 underwriting loss, combined with investment and other income of $6.0 billion, resulted in a P-C pre-tax operating loss of $111 million, which compares to the $8.5 billion loss reported in 2023. Total revenue, which includes premium revenue, earned investment income and realized capital gains (losses) was $123.0 billion for 2024 compared to $104.2 billion for 2023. State Farm reported a net income of $5.3 billion in 2024 compared to a net loss of $6.3 billion in 2023. The reported net income for 2024 includes the impact of $3.0 billion of realized capital gains, net of tax.

The financial strength of State Farm Mutual Automobile Insurance Company and each of its affiliates is key to fulfilling our promises to customers in the future and expanding and enhancing the way we serve customers. We are committed to investing in our business, expanding our digital capabilities to enhance our customers' experience, and providing an offering that makes us the first and best choice in the market. We remain focused on growing our customer base, which supports our ability to invest in our products and services to enhance the overall customer experience through better customer service, more innovative insurance products and better technology solutions (such as user-friendly apps and online tools).

The State Farm insurance operations consist of fourteen P-C companies and two life companies, each of which is managed on an individual affiliate level. The P-C companies are primarily engaged in automobile, health, homeowners, commercial multiple peril (CMP) and reinsurance lines of business. The life companies are primarily engaged in individual life insurance and annuity business. The State Farm group of companies provides insurance and financial services products across over 96 million policies and accounts. In addition, the State Farm group makes third party products available to meet a variety of customer needs including, but not limited to, annuities, banking, health, mutual funds and pet medical.

Auto – The State Farm auto insurance business represented 65 percent of the P-C companies’ combined net written premium. Earned premium was $67.5 billion. Incurred claims and loss adjustment expenses were $56.2 billion and all other underwriting expenses totaled $14.0 billion. The underwriting loss was $2.7 billion.

Comparable 2023 figures were: earned premium, $56.1 billion; incurred claims and loss adjustment expenses, $53.4 billion; all other underwriting expenses, $12.4 billion; underwriting loss, $9.7 billion.

Homeowners, CMP, Other – The net written premium for the remainder of the State Farm P-C business represented 34 percent of the P-C companies’ combined net written premium. Earned premium was $34.5 billion. Incurred claims and loss adjustment expenses were $30.1 billion and all other underwriting expenses totaled $7.9 billion. The underwriting loss was $3.6 billion.

Comparable 2023 figures were: earned premium, $30.5 billion; incurred claims and loss adjustment expenses, $28.0 billion; all other underwriting expenses, $7.1 billion; underwriting loss, $4.7 billion.

Life – In 2024, State Farm Life Insurance Company and State Farm Life and Accident Assurance Company reported premium income of $6.7 billion and $817 million in dividends to policyholders. Net income for 2024 was $1.7 billion. There was $1.18 trillion in individual life insurance in force at the end of 2024. 

Comparable 2023 figures were: premium income, $6.5 billion; dividends to policyholders, $725 million; net income, $1.2 billion; individual life insurance in force, $1.15 trillion.

Health – The individual health insurance operations for State Farm Mutual Automobile Insurance Company reported an underwriting loss of $130 million, excluding the change in the premium deficiency reserve. Net written premium was $731 million.

Comparable figures for 2023 were: underwriting loss, $106 million; net written premium, $729 million.

Investment Planning Services – Total assets under management for the Investment Planning Services operation at the end of 2024 were $15.2 billion. State Farm VP Management Corp. and State Farm Investment Management Corp. reported a combined net loss of $33 million in 2024.

Comparable figures for 2023 were: total assets under management, $13.8 billion; net loss, $40 million.

_{Although financial information is presented on a group/line of business basis, State Farm Mutual Automobile Insurance Company and each of its affiliates must meet solvency and regulatory requirements on an individual entity-by-entity basis without regard to the solvency or financial condition of any other affiliated entity.}

_{Securities distributed by State Farm VP Management Corp.}

_{State Farm VP Management Corp. is a separate entity from those State Farm entities which provide banking and insurance products. Neither State Farm nor its agents provide investment, tax, or legal advice.}

Frozen water pipes are an issue that can affect families in both cold and milder climates each winter. When temperatures drop below 32 degrees Fahrenheit, pipes can freeze and burst, regardless of whether they are made of plastic or copper. By implementing the preventative measures listed below, you can help minimize the likelihood of frozen water pipes and the subsequent damage to your property.

The numbers

According to 2023 State Farm claims data, the company received more than 17,200 claims related to frozen pipes, paying more than $432.5M, with the average claim just over $23,500.

Tips to prevent frozen pipes

• Insulate pipes. Because exposed pipes are more susceptible to freezing, pipe insulation in your home's crawl spaces and attic may help even if you live in a climate where freezing is uncommon.
• Try heat tape or heat cables. Heat tape or thermostatically-controlled heat cables may be used to wrap pipes. Consider using products for the intended use (exterior or interior) and those approved by an independent testing organization. Carefully follow all manufacturer's installation and operation instructions.
• Seal leaks. Look for air leaks around electrical wiring, dryer vents and pipes. Thoroughly seal leaks with caulk or insulation to help keep the cold out.
• Secure outdoor hoses, valves and faucets. Before winter hits, disconnect garden hoses and, if possible, use an indoor valve to shut off and drain water from pipes leading to outside faucets. This may help prevent freezing of the short span of pipe just inside the house.
• Let water drip. A trickle of water might be all it takes to keep your pipes from freezing. Let warm water drip overnight when temperatures are cold, preferably from an indoor faucet on an outside wall.
• Adjust the thermostat. Keeping your thermostat set at the same temperature day and night may help prevent frozen pipes. During extreme cold, this may also help reduce the strain on the furnace.
• Open cabinet doors. This allows heat to better get to un-insulated pipes under sinks and appliances near exterior walls.

Tips if you leave for vacation

• Check the thermostat. Set the thermostat in your house no lower than 55 degrees Fahrenheit (12 degrees Celsius). Also check and replace the battery in your thermostat, if needed.
• Ask for help. Consider asking a friend or neighbor to check your house daily to see that it's warm enough to prevent freezing.
• Shut off the water. Shut off and drain the water system. Be aware that if you have a sprinkler system in your house, it may be deactivated when you shut off the water.

What do to if pipes freeze

• Call a plumber if needed. If you turn on your faucets and nothing comes out, leave the faucets turned on and contact your plumber.
• Avoid applying flames to thaw pipes. Never try to thaw a pipe with a torch or other open flame because it could cause a fire hazard.
• Consider a hair dryer as a possible heat source (with caution). You may be able to thaw a frozen pipe using a hair dryer. Before you start, see that you are not in or near standing water or near flammable materials. Start by warming the pipe as close to the faucet as possible, working toward the coldest section of pipe.
• Shut off the water supply. If your water leak detection system has already gone off or your pipes have burst, turn off the water at the main shutoff valve in the house. See that everyone in your family knows where the water shutoff valve is and how to open and close it. Be sure to leave the water faucets turned on.

Investing in sports – with a particular focus on women’s sports – has always been a priority at State Farm, and women’s basketball is a critical component of that sports strategy. This fall, coming off a historic WNBA season and heading into what’s primed to be another exciting women’s college basketball season, State Farm is continuing to deepen its investments through new talent relationships and elevated league sponsorships.

Signing JuJu Watkins to a NIL deal: State Farm has signed the USC sophomore and standout college basketball player to a NIL deal – only the second collegiate deal on behalf of the brand. As part of her relationship with State Farm, JuJu will appear in a Big Ten Network co-brand commercial called “One on One” alongside Jake from State Farm, airing Friday, Nov. 29.   

In addition to the NIL deal, State Farm is also the presenting sponsor of JuJu’s NBC Peacock docuseries, “On the Rise: JuJu Watkins,” presented by UNINTERRUPTED and 4.4.Fourty Media.

Kristyn Cook, Chief Agency, Sales and Marketing Officer at State Farm said, “Signing JuJu Watkins as our second-ever NIL deal adds another athlete to our roster who’s truly at the top of her game. JuJu was electric in her first season at USC and set the bar high for what she can accomplish over the next few seasons. State Farm has been investing in women’s sports for more than two decades because it’s smart business, and JuJu is a prime example of the passion and drive that makes the women’s game such a force. We look forward to what we can, and will, accomplish together in the women’s sports landscape.”

An official sponsor of the New Unrivaled Basketball League: State Farm has signed on as a sponsor of the new women’s professional three-on-three basketball league that tips off on Friday, Jan. 17. State Farm was also the presenting sponsor of the league’s Club Selection announced on Wed, Nov. 20.

“The popularity of women’s basketball continues to explode,” said Kristyn Cook, Chief Agency, Sales and Marketing Officer at State Farm. “Sponsoring Unrivaled is another opportunity for State Farm to deepen our long-standing investments in women’s sports. We want to be part of bringing awareness and excitement to this new league, and in doing so help grow the game for athletes and fans alike.”

 Caitlin Clark on Team State Farm: State Farm continues its relationship with the Indiana Fever’s Caitlin Clark as a Team State Farm athlete. She is currently starring alongside ESPN reporter Cassidy Hubbarth and Jake from State Farm in an ESPN co-brand commercial called “Rookie Move.”  The commercial is in collaboration with Disney Advertising, Disney CreativeWorks and ESPN and falls under the brand’s Right Kind of Magic campaign.

Presenting sponsor of the 2024 WNBA Expansion Draft: On Friday, Dec. 6 on ESPN (6:30 p.m. EST), State Farm will proudly serve as the presenting sponsor of the first-ever nationally televised WNBA Expansion Draft.

 Top 10 states for paid claims in 2023:

1.       California - $17.8M

2.       Georgia - $17.8M

3.       Illinois - $17.7M

4.       New York - $11.9M

5.       Michigan - $11.3M

6.       Texas - $10.6M

7.       Ohio - $10.4M

8.       Pennsylvania - $9.7M

9.       Tennessee - $9.1M

10.     Alabama - $9.1M

What you should know about home cooking safety

• Always keep an eye on what you are cooking/frying/grilling/boiling/broiling and check the food regularly.
• Be on alert! If you are sleepy or have consumed alcohol, don’t use the stove or stovetop.
• Keep anything that can catch fire — oven mitts, wooden utensils, food packaging, towels or curtains — away from your stovetop.
• Keep a fire extinguisher approved for cooking or grease fires nearby. Make sure your smoke alarms are working.

 If you have a cooking fire

• Always cook with a lid beside your pan. If you have a fire, slide the lid over the pan and turn off the burner. Do not remove the cover because the fire could start again. Let the pan cool for a long time. Never throw water ​on the fire.
• If the fire does not go out or you don’t feel comfortable sliding a lid over the pan, get everyone out of the home. Call the fire department from outside. 
• For an oven fire, turn off the heat and keep the door closed.
• When in doubt, get out! When you leave, close the door behind you to help contain the fire. Call 9-1-1 or the local emergency number after you leave.

As the largest insurer of cars in the U.S., State Farm estimates over 1.8 million auto insurance claims involving animal collisions were filed across the industry from July 1, 2023 to June 30, 2024. 

Deer once again led as the top animal struck, followed by rodents*, dogs, raccoons and coyotes.

The most dangerous months for animal collisions are, in order, November, October and December.

A paved, rural road with little traffic and low light is a common scenario to hit wildlife. Results from a State Farm Survey indicate between 30% and 50% of drivers had accidents during those conditions. Additionally, just one risky driving behavior, such as speeding or using your phone, increase the chance of an animal collision by 23%.

West Virginia remains the #1 riskiest state with odds at 1 in 40. West Virginia has held that spot for more than a decade.

Montana is next with (1 in 54), followed by Michigan (1 in 59), Pennsylvania (1 in 61) and Wisconsin (1 in 63).

Pennsylvania had the highest number of claims out of all the states, with more than 150,000 claims. Michigan is second in terms of highest claims counts with approximately 131,000. It is followed by North Carolina (98,000), Texas (92,500) and Ohio (82,500).

Here are some important tips to help avoid and/or handle an animal collision:
 

• Slow down, especially if you see an animal close to the road. Speed is the greatest safety factor in the magnitude of damage and physical injury.
   
• Stay alert. Scan the road for animals at any time of the day or night.
   
• Pay attention to “deer crossing” and other animal signs.
   
• Reduce distractions. Put the cell phone away.
   
• Brake, as necessary. If you can avoid hitting the animal, reduce your speed, honk your horn and tap your brakes to warn other drivers.
   
• Don't swerve. If a crash with an animal is inevitable, maintain control of your vehicle and don't veer off the road.
   
• Use high beams. Flicking your high beams on wildlife may cause the animal to scurry away.
   
• Be aware of peak season. Animal crashes, especially deer, happen most often during October through December, which is hunting and mating season.
   
• Watch for animals on the road between dusk and dawn.
   
• Watch for herds. If you see one deer, there are probably more nearby.

If despite all of this you hit an animal, take a deep breath. Make sure you and your passengers are well. Call 911 if the animal is large and still there after you hit it. Check if your vehicle is drivable. When safe to do so, take pictures and, if needed, you can file a claim in multiple ways.

Speak with your State Farm agent about comprehensive coverage, which typically covers repairs for collisions with animals, after your deductible.

*Rodents are not only involved in collisions, but included in claims data as an animal related loss for damage they cause to vehicles, like chewing wires.

Safe Kids Worldwide® and State Farm® announce the launch of the Good Neighbor Car Seat Safety Program. Kicking off Child Passenger Safety Week (September 17-23), this new program brings car seat checkup events to 25 communities across the country over the next few months, increasing access to education and resources to help inspire behavior change and create a culture of safety for children and families.

At each event, Certified Child Passenger Safety Technicians will work with parents and caregivers to help ensure children are buckled up in the right seat, every ride, every time.

Statistics are grim:
 

• Motor vehicle crashes are a leading cause of death for children ages 1-12 in the U.S. (source: CDC)
   
• In 2021, one in three children under age 13 who died in a crash were unrestrained. (source: NHTSA)
   
• Studies examining misuse among users of child car seats estimate that more than half of car seats are not used or installed correctly. (source: Safe Kids Worldwide)

“A properly used and installed child safety seat can reduce the risk of injury by as much as 71 percent, but too many families do not have access to the education and safety devices that every child deserves,” says Torine Creppy, president of Safe Kids Worldwide. “We are grateful to State Farm for their commitment to keeping all kids safe. Through their continued support, we look forward to expanding our partnership so we can reach more families, prevent more injuries, and save more lives.”

"As a leader in auto safety for decades, State Farm knows firsthand what a difference car seats make at getting more kids home safely each day,” says Sonya Robinson, Vice President, State Farm Corporate Responsibility. “That experience is why we’re grateful for the opportunity to expand this partnership with Safe Kids Worldwide and give more parents the tools to keep kids safe on the road.”

About Safe Kids Worldwide:

Safe Kids Worldwide is a nonprofit organization working to reduce unintentional injuries to children ages 0-14 and build equitable and sustained systems that support injury prevention. Safe Kids works with strategic partners and an extensive network of more than 400 coalitions in the U.S. to reduce traffic injuries, drownings, sleep-related deaths, falls, burns, poisonings, and more. Since 1988, Safe Kids and its partners have contributed to a more than 60 percent reduction in the rate of fatal childhood unintentional injury in the U.S. Learn more at safekids.org.

New data released from State Farm pegs the odds of U.S. drivers hitting an animal at 1 in 127 this year. Drivers in West Virginia held on to the number one spot with the least favorable odds at 1 in 38. Montana (1 in 53), Pennsylvania (1 in 59), Michigan (1 in 60), Wisconsin (1 in 60) round out the top five most likely states to hit an animal while on the road.

As the largest insurer of cars in the U.S., State Farm estimates over 1.8 million auto insurance claims were filed across the industry from July 1, 2022 to June 30, 2023 involving animal collisions. Pennsylvania had the highest number of claims out of all the states, with an estimated 153,397 claims for the same time period. Michigan is second in terms of highest claims counts with 133,636, followed by Texas (96,000), North Carolina (88,770) and Ohio (82,395).

Deer collisions once again led as the top animal struck, followed by rodents*, dogs, raccoons, and coyotes.

The most dangerous months for animal collisions are November, October, and December, in that order.

If you’re driving on a paved, rural road without much traffic and the sky is not quite dark, you are in the most common scenario to hit wildlife. Results from a State Farm Survey indicate between 30% and 50% of drivers had accidents during those conditions. Additionally, just one risky driving behavior, such as speeding or using your phone, increase the chance of an animal collision by 23%.

Here are some important tips to help avoid and/or handle an animal collision:
 

• Slow down, especially if you see an animal close to the road.
   
• Stay alert. Scan the road for animals at any time of the day or night.
   
• Pay attention to “deer crossing” and other animal signs.
   
• Reduce distractions. Put the cell phone away.
   
• Brake as necessary. If you can avoid hitting the animal, reduce your speed, honk your horn and tap your brakes to warn other drivers.
   
• Don't swerve. If a crash with an animal is inevitable, maintain control of your vehicle and don't veer off the road.
   
• Use high beams. Flicking your high beams on wildlife may cause the animal to scurry away.
   
• Be aware of peak season. Animal crashes, especially deer, happen most often during October through December, which is hunting and mating season.
   
• Watch for animals on the road between dusk and dawn.
   
• Watch for herds. If you see one deer, there are probably more nearby.

If despite all of this you hit an animal, take a deep breath. Make sure you and your passengers are well. Call 911 if the animal is large and still there after you hit it. Check if your vehicle is drivable. When safe to do so, take pictures and, if needed, you can file a claim in multiple ways.

Speak with your State Farm agent about comprehensive coverage, which typically covers repairs for collisions with animals, after your deductible.

*Rodents are not only involved in collisions, but included in claims data as an animal related loss for damage they cause to vehicles, like chewing wires.

State Farm’s response to Hurricane Idalia began earlier this week as members of the State Farm Catastrophe Team® deployed from Illinois to stage in Alabama for strategic response after the storm. The hurricane made landfall in the Big Bend area of Florida on Aug. 30, and State Farm’s mobile workforce trained to handle catastrophe claims activated their on-site response. We are here to help residents during this first and critical step on the road to recovery. 

Catastrophe Customer Care

Catastrophe Customer Care sites are open for walk-up general questions however an appointment is required for vehicle inspections.

• Valdosta, GA: the old Walmart, located at 3145 North Ashley Street in Valdosta, GA; Monday – Saturday: 7:00 a.m. - 7:00 p.m. ET and Sunday: 8:00 a.m. - 6:00 p.m. ET 
   
• Perry, FL: Perry Plaza, located at 1797 South Jefferson St. in Perry,  FL; Monday - Saturday: 7:00 a.m. - 7:00 p.m. ET and Sunday: 8:00 a.m. - 6:00 p.m. ET

In addition to the teams of catastrophe claim specialists on the ground to evaluate damage, our Idalia response includes State Farm agents who live and work in the same neighborhoods as our customers. They are joined by thousands of employees in centralized care centers across the country virtually helping answer customers’ questions and file their claims. Our remote claim teams are able to conduct virtual inspections with impacted customers following the storm, helping them in their time of need.

Claim filing options for those with damage from Idalia:

As residents discover damage from the storm, they are encouraged to file their claim as soon as possible to begin recovery. State Farm customers can submit and manage their claim through various channels: submitting a claim through our mobile app, calling or emailing their State Farm agent, calling 1-800-SFCLAIM, through our website at statefarm.com/claims, or text the word “CLAIM” to 62789 to receive a link to file a claim.  As of Sept. 1, State Farm has received more than 3,250 auto and homeowner claims (over 750 auto and 2,500 homeowner) from Hurricane Idalia in the impacted states of Florida, Georgia, South Carolina and North Carolina. Those initial numbers are expected to increase.

Use of technology to reach customers in more ways:

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:

• Use of aerial imagery is allowing State Farm to quickly assess damage and accessibility of impacted areas in a way that is safe and efficient. This helps us identify the hardest hit areas and customers.
• 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.  

Tips for clean-up, recovery & claims process: 
 

• When it is safe to do so, residents with property damage should have reasonable temporary repairs made to prevent further damage to their property to remove debris and cover any openings created by the storm. Depending on your coverage, these repairs may be reimbursed. Save receipts if you purchase items such as tarps and plywood or other supplies to make repairs. Keep track of the time and money you spend protecting your property.
• Document and photograph everything! To assist with the insurance claim process, be sure to document items that are damaged. You can do this by providing purchase receipts for the damaged items, photographing the items and by making a room-by-room inventory of missing or damaged goods. Don’t discard or repair anything prior to reporting the claim.
• If you decide to use a contractor, get a receipt for the cost of labor and materials to give your claim representative. Don't have any repair work done until you discuss with your claim representative. Also, preserve all building materials removed by any contractor or vendor until you speak with State Farm.
• Be careful before signing anything without fully reading the documents. Be diligent before signing anything with a vendor or contractor that solicits you directly and advises you to file a homeowner’s claim.

State Farm Donates

State Farm is sending a total of $250,000 in disaster grants to several local organizations to support their efforts to provide immediate relief in the areas most impacted by the hurricane. These funds will provide support for critical needs, including food pantry supplies, and helping communities rebuild. Organizations receiving the funding include Convoy of Hope, Taylor County Habitat for Humanity, Americas Second Harvest of the Big Bend, Valdosta-Lowndes County Habitat for Humanity and Second Harvest of South Georgia.

Prepare before a hurricane hits:       
 

1. Secure your garage doors and shut all interior/exterior doors to lessen the severity of wind damage.    
   
      
    
2. Clear gutters of any debris so water can flow freely.           
    
3. Store any non-secure items around the property in the home or garage, such as patio furniture, garbage bins and garden ornaments.         
   
    
    
4. Fill containers, buckets or tubs so that you can flush your toilets and wash your hands in the event you are allowed to stay home, and your water supply is cut off.           
    
5. Review your need for a backup generator. Having one in place can help provide your home with temporary power during an emergency. Remember to never run a generator inside the home or any enclosed area where deadly carbon monoxide (CO) gas can accumulate.  Generator Safety Tips   
   
     
    
6. Have any necessary repairs made if you live in a mobile home and inspect all straps and tie-downs for wear.   
    
7.  Make your evacuation plan and gather any supplies you may need. Emergency Kit Supplies   
   
    
    
8. Create a home inventory of your possessions. This can be a written list, captured on a digital app or video — or a combination of these tools − whatever is easiest for you.         
    
9. Try to store any RV or vehicle in a garage or secured facility.       
    
10. Designate an out-of-state friend or relative as a family contact: This one person can update everyone in case you need additional assistance.

State Farm mourns the loss of life and property alongside the residents of Maui and State of Hawaii. Our hearts and thoughts go out to those who have been affected by this devastating fire, and we urge all those impacted to make safety their priority. In preparation for the time residents safely return and are ready to begin the rebuilding and recovery process, we have mobilized teams of claim adjusters trained for disaster response across the affected area. Our top priority is taking care of our customers' needs, and we are on the ground and reaching out to help. We also have thousands of employees ready to handle claims virtually across the country in our centralized operations.

Catastrophe Customer Care site now open

A State Farm Catastrophe Customer Care site is now open for walk-up questions and help with claims. The Catastrophe Customer Care site is located at 424 Dairy Road in Kahului (the U-Haul parking lot and former K-mart building) and is open from 7 a.m. to 7 p.m. HT. Customers impacted by the fires can file a claim in various ways: in person at the Catastrophe Customer Care site, through the mobile app, online, or calling 1-800-SF-CLAIM. Customers are encouraged to file their claims as soon as possible and safe to begin the recovery process. As of Aug 18, State Farm has received approximately 1,300 claims from the HI wildfire, with 1,020 of those from Lahaina area.

Local agents join Customer Response Unit to support residents

Our State Farm Customer Response Unit (CRU) has been traveling throughout the areas impacted by the fire as accessible to meet and support residents. Our CRU team and local State Farm Agents Chad Santiago, Kit Okazaki and Wayde Omura have joined the CRU to distribute needed items such as water, work gloves, first aid kits, and other essential items to help residents as they begin recovery from the devastating wildfires. Claims representatives also joined the CRU to offer neighbors helpful information about filing their claim and insurance tips and answer questions. State Farm is there to help residents during this first and critical step on the road to recovery. 

Helping communities with recovery

In keeping with the Good Neighbor spirit, State Farm is sending $1 million in grants to Hawaii non-profit organizations to help with immediate and long-term wildfire recovery efforts. The following local organizations will receive financial support to continue their critical recovery work:

• Habitat for Humanity Maui      
   
• American Red Cross Hawaii Region      
   
• Maui Food Bank      
   
• Convoy of Hope      
   
• Hawaiian Salvation Army         
   

Using technology to assist with claims  

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:

• Use of aerial imagery is allowing State Farm to quickly assess damage and accessibility of impacted areas in a way that is safe and efficient.       
   
• 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.  

Part of that responsibility is taking care of a vehicle and keeping it safe while in your possession. Whether you’re a brand new driver or as experienced as they come, there are simple tips to help prevent your car from becoming an easy target for theft.

5 tips to help prevent auto theft
 

1. Always lock the doors. Even if it’s just out of sight for a couple minutes.
    
2. Never leave your vehicle while the engine is running. It doesn't save you much time, and it's an open invitation for thieves to steal your car.
    
3. Take your keys with you. Even a spare key hidden out of sight is a bad idea. The bad guys know all the hiding places.
    
4. Roll up your windows all the way. It's amazing what an experienced car thief can do with a sliver of an opening.
    
5. Hide valuables. Keep your personal belongings out of sight, preferably in the trunk.

Want to take it a step further?  

When possible:

• Park in populated areas. You'll be safer getting in and out, and thieves are less likely to disturb cars parked on busy, well-lit streets. Even better, park in a secure garage if available.
   
• Activate vehicle anti-theft devices. Smart keys, electronic tracking devices, hood locks, visible steering wheel lock.

While the crime is too common, car theft can be deterred with simple steps and will greatly increase the likelihood that your car will be exactly where you left it.

According to the National Fire Protection Agency, from 2016-2020, the annual averages were 2,800 home fires caused by air conditioners, resulting in 40 deaths, 140 injuries, and over $102M in direct property damage.

Extreme heat can put extra strain on AC units. If not property checked and maintained, these can become a fire hazard.

A few simple tips can help you stay cool this summer while making sure you're protecting your home:

• Keep your blinds/curtains closed during the day. Preventing extra sunlight from entering your home can reduce the work your AC needs to do to maintain your set temperature.
   
• Only run your unit when needed. If you're on vacation, or away for any length of time, consider bumping your thermostat up when no one is home. Setting a schedule on programmable thermostats is a great way to save energy.
   
• Be mindful of other appliances. When it's super-hot out, consider running your dishwasher and washer/dryer in the evening rather than the peak of the day. Furthermore, preserve energy with things as simple as lights; if you don’t need them, don't turn them on. All of these can heat up your home requiring your AC to work harder.
   
• Check/Change your filters. If your room or house is taking longer to cool than usual, it may be time to change or clean your filters. Every unit/filter is different, so be sure to check your AC's manual for properly checking, cleaning or replacing your filters.
   
• Check your vents. This may seem obvious, but if all but one room is cooling, there may be something jammed in your vents, especially if you have small children and the vents are ground level.
   
• Check if the unit is frozen. If your AC is blowing room temperature air, it may be frozen. When it runs continuously in extreme heat, the coils can freeze. Simply put your hand on the unit - if it feels very cold to the touch, it's likely frozen. If you suspect it's frozen, turn off your unit. You may keep the fan on to help it defrost. Never run the unit if you think it's frozen; it can do significant damage resulting in expensive repairs.
   
• Schedule routine maintenance. Especially if you live in a hot climate, an annual inspection by a certified HVAC tech may help prolong the life of your unit and identify any issues that could potentially lead to a fire.

If these don't improve your air, you may want to call in the professionals to determine where the problem is originating. You don't want to risk damaging your unit or causing more serious issues like a fire.

In addition to his distinctive persona and good neighbor vibes, State Farm^® also uncovered a unique opportunity with Jake to differentiate him from other spokespeople on social channels. Instead of focusing on traditional insurance messaging of preparedness and protection, Jake focuses on a culture-first storytelling approach.

While the State Farm brand is universal, Jake’s growing TikTok followers and engagement metrics show that Gen-Z and Millennial users are intentionally seeking out, relating to, and engaging with the brand through Jake as a cultural figure.

“Jake from State Farm has been an incredible asset to connect us with Gen Z and Millennial audiences,” says Alyson Griffin, State Farm marketing vice president. “We are so proud of all the hard work our Marketing Department and marketing agencies have put in to make Jake a relatable character and spread the good neighbor spirit.”

Jake’s most engaging content has been tied to lifestyle moments — moments where he shares his unique perspective as well as an exclusive view into brand happenings.

Alyson adds, “Through collaborations, joining trends, and offering incentivized challenges to his followers, Jake has reached 1 million followers on TikTok — and we couldn’t be more excited.”

Running with Scissors is risky and has safety consequences – so we don’t do it.

Driving Distracted is risky and has safety consequences – and yet, we continue.

It seems like such a simple safety ask – Keep Your Eyes on the Road, Hands on the Wheel, and Focus while you’re driving – yet drivers continue to engage in risky behaviors behind the wheel.

A recent State Farm Survey examining attitudes and behaviors around distracted driving confirms that drivers are fully aware of the risk and safety consequences of driving distracted and continue to do it anyway with alarming regularity.

And drivers who had been licensed from five years or less were significantly more likely to use smartphone apps, record videos, and watch videos while driving compared to drivers who had been licensed more than 10 years.
 

Isn’t it time to:

Take the wheel. Put the phone down.

While the distractions, themselves, have changed over the years, the responsibility of the driver remains the same: Focus on the road and stay engaged while driving safely.

• Distracted driving is destructive driving.
• Although, roadway fatalities declined consistently for 30 years, progress stalled over the last decade and is moving in the wrong direction. A National Safety Council study found motor vehicle deaths reached an estimated 46,000 in 2022, with at least eight people a day killed in distracted driving crashes.

Take the pledge. The fight to end distracted driving starts with you.

 NHTSA encourages you to make the commitment to drive phone-free today.

• Protect lives by never texting or handling the phone while driving.
• Keep your eyes on the road and be aware of your surroundings.
• Encourage friends and family to drive hands-free.

Take control.

• Figure out what distracts you and WHY. Proactively think of ways to prevent it from becoming a distraction before you hit the road.
• Together, let’s create a TRAFFIC SAFETY CULTURE OF ATTENTIVE DRIVERS.

YouTube - U Drive. U Text. U Pay.

“They” were right. Well, just up to the point you begrudgingly climb into the passenger side of your own car and your child slides into the driver seat all smiles and nervous laughs. With a look of confusion, they search for a place to put the keys.  Suddenly questions start running through your mind: “Have I been a good driver?” or “What about the example I’ve set?” and “Can my nerves handle this?”

The good news is the answer is yes, to all three (believe it or not).

According to the National Highway Traffic Safety Administration, parental driving habits are the #1 influence on new driver behaviors. In a 2023 survey conducted by State Farm of 1,000 teen driver parents, 94% agreed that their driving behavior was the most important influence on how their teens learn to drive. However, 35% of those surveyed admitted to using their phone while driving.

The inexperience of teens behind the wheel makes them more susceptible to distracted driving crashes. The fact is that the #1 cause of death and injury for teens are vehicle crashes. What is the best thing you can do? Set a good example by keeping your phone tucked away, hands on the wheel, and eyes on the road.

However, distracted driving and phones aren’t they only things causing crashes. According to the Centers for Disease Control and Prevention, teen drivers are 17 times more likely to die in a crash when they drive under the influence. Nearly 75% of survey respondents stated they have regular discussions about the dangers of driving under the influenced with their teen. Discussing tactics on withstanding peer pressure and safe ways to get home (such as calling a parent or using a rideshare service) can save their lives, the lives of their passengers, and the lives of other drivers on the road.

Don’t fret though, you are not alone in your quest of influencing your teen driver with good driving behaviors. At State Farm, we offer the Steer Clear Safe Driver Program. This program provides up to a 20% discount on major coverages for drivers aged 16 to 25 when the program is completed. The program covers topics like focus and distraction, and residential, city, and highway driving. It also covers special driving situations like rural roads, driving at night, and driving in bad weather to help your teen gain knowledge to keep them safe.

In the end, teaching to drive is a rite of passage that parents and guardians of teens go through. Nonetheless, it is something to take pride in knowing you are adding one more safe, responsible driver to the road for everyone’s peace of mind.

So go ahead, have those kids, it will be fun – even the (safe) driving part.

Those pesky potholes.

Potholes become more prominent the first few months of the year as temperatures fluctuate. The freezing and thawing cycles allow moisture to seep into the road surface, which causes the road to crumble.

Here are a few tips to make driving smoother and safer.
 

What can I do to avoid damage from potholes?
 

• Pump it up. Keeping your tires properly inflated may reduce damage. If tires are under-inflated, the impact from hitting a pothole is much more likely to damage tires, rims and suspension.
   
• Slow down. Travelling at a safe speed for the road conditions and keeping your eyes on the road can all help you avoid the damage that can come with hitting a pothole.
   
• Stay in your lane. Avoid sudden swerving to avoid a pothole as it may result in loss of control of the car or vehicle.
   
• Pay it forward. If you notice a road that has potholes, you can report the roadway hazard to your local city or county transportation department so they are aware of the issue.
   

How do I know if a pothole caused damage?

While most vehicles are built to withstand rough road conditions, hitting a very large or deep pothole can damage your steering, suspension, or alignment systems. Some signs of pothole damage might include a pulling sensation in one direction, dents in your tires or rims, or low tire pressure.
 

Is damage from potholes covered by insurance?

Pothole damage is usually covered with collision coverage, minus the deductible. Since the pothole damage your vehicle may incur could fall below the amount of your deductible, typically $500 or $1,000, it may not always be practical to file a claim.
 

Can I get paid by my city or state for pothole damage?

Some cities, counties, or states may pay for pothole damage in certain cases. A driver who has had pothole damage needs to determine which jurisdiction is responsible for the road and inquire about compensation for pothole damage. The driver may need photos of the damage and the pothole plus an estimate or two for the claim. Be aware there may be a time limit for compensation so don’t wait to file a claim.

The trunk is the perfect place to store all sorts of goodies that think we may need when we’re out and about. But what we carry and what we need if we get stuck in the elements can vary.

Nearly 1 in 5 of yearly weather-related crashes occur on snowy, slushy, or icy pavement. Approximately 70% of the US populations lives in a region that receives five or more inches of snow each year. With winter storms and heavy snows in the forecast, State Farm encourages drivers to prepare their vehicles for safe travel as road conditions become hazardous.

The essentials should include standard roadside hazard items such as a hazard triangle, jumper cables, tire changing tools and a first aid kit. But think about if you get stuck for an extended period… what else will you need to keep you warm, connected, and able to survive?

Start by getting rid of the "trunk junk" and adding the right supplies. This will help you deal with the unexpected and get back on the road. Keep these emergency essentials in your trunk during winter:

Stay warm

• Hats, gloves, scarves and blanket.
• Hand & foot warmers. 
• Wool socks.     

Stay visible & connected

• Flashlight & extra batteries.
• Bright cloth to tie on your car or flares.
• Phone charger and make sure all cell phones and tablets are fully charged.

Stay storm-ready

• Jumper cables or external battery charger.
• Small snow shovel & ice scraper.
• Fire extinguisher & wiper fluid.

Some items to check and talk to your mechanic about before a storm:

• Test the battery strength.
• Check the cooling system, windshield wiper and antifreeze fluid levels and change the oil.
• Consider changing the spark plugs.
• Check the tire pressure, tread life and consider installing winter tires.
• Locate the spare tire, jack and ice scraper.
• Inspect your wiper blades to make sure they're functional and in good condition.

They sometimes are forced to choose between paying for basic necessities, like food and rent, and covering their college expenses. When a student’s basic needs are not being met, it can cause them to earn lower grades and potentially withdraw from school before getting their degree.

With the number of students-in-need doubling during the COVID pandemic, the State Farm decades-long history of philanthropic grant funding proved invaluable. State Farm provides charitable funds for student emergency grants for transportation, food and housing insecurity and unexpected medical bills.

“These basic life disruptions were an immediate need, while committing to finishing their programs of study took second place.” Said Shanese R. Alexander, director, Pre-Award at Dallas College.

“Due to the resources provided by the State Farm Student Emergency Aid grants, Dallas College students were able to maintain their educational journey and offset some of the challenges experienced by the pandemic.”

Gina Nolan, project director of TRIO Student Support Services at Georgia State University, said, “With State Farm support, the First-Generation Student Support Services Program was able to launch a Health & Wellness Initiative program that directly addressed the ongoing issue of food insecurities among first-generation, low-income, and disabled participants.

“State Farm's contribution gave staff the ability to partner with the Campus Café to provide a voucher system that offers healthy lunch and breakfast options for participants with limited resources, enabling them to purchase meals while learning on campus.”
 

Student testimonials

The Comet Cupboard (supported by State Farm) has helped and continues to help me in immeasurable ways. Of the many times I have utilized the services, the Cupboard, and the volunteers who man the center have never made me feel less than human. If anything, they have treated me with the utmost respect and compassion without appearing to be condescending. There are many days when if not for the Comet Cupboard and the service it offers, I would have gone without a meal. Those meals provided me the concentration need to focus on the rather demanding classes I and many other students are part of.

- Student Testimonial – The University of Texas at Dallas

The (State Farm) student emergency fund was extremely helpful to me and my wife. We had been stressed out about stretching our savings until I started my internship. The emergency fund paid for rent for us! This helped me to focus on my studies and not worry about finances as much. I can't thank you enough. We are doing well, and I am very grateful for the support provided by the student emergency fund!

- Student Testimonial – The University of Texas at Dallas

• Cooking Fires: Happening more often than you think, holiday hosts can become overwhelmed and distracted while cooking or baking. In 2021, State Farm reported $142M in total claim costs for grease fires and cooking-related fires.
  
  
  • Thanksgiving is the peak day for home cooking fires, followed by Christmas Day and Christmas Eve.
     
  • The average homeowner fire claim was $56,800.
     
• Turkey Fryer Fires: Whether a beginner or experienced cook, a lot can go wrong when frying a turkey. This year, State Farm has already paid out a total of $4M for outdoor cooking fires and expects that number to rise as we approach Thanksgiving.
  
  
  • Candle & Tree Fires: It’s important to burn candles in short increments and keep them away from kids, pets, and holiday decorations. The annual average fire claim in 2021 cost over $50,000, and that’s up 57% from 2020. Don’t let your real holiday tree overstay its welcome either. Last year, U.S. fire departments responded to an average of 7,400 home fires that were started by candles, according to the National Fire Protection Association. These fires cause $291 million in direct property damage annually. 
     
• When the Pet Bites: While family and friends flood your home for the holidays, the increased noise levels and new faces can scare your pets, leaving them feeling overwhelmed and scared. Placing pets in a quiet room away from guests can help reduce anxiety and the risk of animals biting out of fear. Pet medical insurance can also help pay for emergencies like when your dog eats an entire turkey or the cat chews on holiday lights.  
  
  
  • According to State Farm, the total cost of dog-related injury claims in 2021 was $161.7 million with the average cost per claim nearing $50,000.
     
  • Another way to protect your pets is with pet medical insurance. This can help pay for emergencies like when your dog eats an entire turkey or the cat chews on holiday lights.
     
  • Protect yourself, your assets, and your furry family member with Trupanion® pet medical insurance.
    
     
• Holiday Lights & Electrical Fires: Electrical distribution and lighting equipment was involved in nearly half (45%) of home Christmas tree fires, while holiday lights cause more than 770 house fires every year. Make sure you don’t leave lights on trees or on other decorations when you go to bed or leave the house. They could short and start a fire. If you’re planning to decorate outdoors, make sure that you use lights and decorations intended for outdoor use.
  
  
  • Through an opportunity with State Farm, Ting can help protect your family from electrical fires.
     
  • Leading causes of Christmas tree fires:
    
    
    • Decorative lights were involved in 17 percent.
    • Wiring or related equipment was involved in 15 percent.
    • Cords or plugs were involved in 7 percent.
    • Other lamps, bulbs, or lighting were involved in 6 percent.
    • Electrical failures or malfunctions were factors in almost one-third (31 percent) of Christmas tree fires.
       
• Car Burglary & Theft: While the holiday season can be full of excitement and great shopping deals, it’s also the time of year when shopping center parking lots can be full of hazards. During the holidays, parking lots can become magnets for thieves. They target vehicles to steal, or to steal from, looking for visible shopping bags and other valuables.  
   
• Parking Lot Collisions: The hustle and bustle of the holiday can mean people are moving quickly and forget to slow down and pay attention. In fact, 1 in 5 of all car accidents occur in parking lots.

o   According to research from the National Safety Council, more than 50,000 parking lot accidents occur each year.

o   Two-thirds of drivers are distracted when they’re pulling into shopping centers.
 

• Holiday Driving Accidents: Holiday travel means more cars on slick roads so be sure to drive with caution and watch for deer, and reindeer too! December is the third riskiest month for an animal collision, and November is #1. 
   
• Chimney Fire: Most chimney fires are caused by a dirty chimney. Remember to remove the soot your chimney periodically to prevent chimney fires.
   
• Liability: There are several ways to be injured around the house during the holiday season. Many personal injury claims are filed against all types of insurance policies during the holidays as guests can become injured at a celebration. Make sure to be aware of your surroundings and clean up messes as they happen to avoid accidents.
   
• Be a Good Neighbor: Be courteous by shoveling the sidewalks or having a friendly conversation. Don’t forget to keep noise levels to a minimum. If you're leaving for the holidays, ask a trusted friend, neighbor, or Neighborhood Watch member to watch your home. 
   

The holidays should be a joyous time to reconnect with loved ones, so make sure you’re prepared for any unexpected moment by getting a personalized quote from our agents.

Between July of 2021 and June 2022 an estimated 1.9 million of these types of collisions happened across US roads (5.5% less than in the previous twelve months) according to an annual analysis by State Farm, the leader auto insurer in the United States.

Crashes between motor vehicles and animals happen in every state and all year round, yet the data confirms that the most dangerous months for animal collisions are November, October and December, in this order, and just like in the previous 12-month period.

From a state perspective, Pennsylvania had the most auto animal collision claims, with an estimated total industry animal collisions count of 156,176 claims, and a likelihood of 1 out of 57 for licensed drivers to hit an animal while being behind the wheel. There, the animals most commonly hit by motorists were deer (by far), "unidentified animals" and rodents, in this order.

However, the state where drivers have the highest likelihood of hitting an animal is West Virginia, with a probability of 1 in 35. There, the animals most likely to be hit by drivers are deer (by far), followed by "unidentified animals," and by dogs, in this order.

These two different state rankings differ because for the likelihood or probability of animal collisions state ranking, both the number of license drivers and the total number of animal collisions in each state affect the calculation, while for the industry claims ranking only the first variable (number of claims) matters.

Many times animal collisions end up in road kills, and often in injuries or even deaths of drivers and passengers. From a material perspective, the damage to the vehicles can vary wildly, from a scratch or a bump to a car being completely totaled, depending on factors such as the speed at which one is driving or the size of the animal being hit.

The range of animals involved in auto crashes is extremely diverse. Although there are differences among states, nationwide, the top 5 animals most commonly hit by motorists in US roads were: 1. Deer (industry estimated 1.3 million), 2. Unidentified animals (236,000), 3. Rodents (102,000), 4. Dog (60k), 5. Raccoon (56k).

Awareness and Preparedness helps

Here are 10 tips that could help you reduce the odds of going through the experience of hitting an animal with your motor vehicle.

• Slow down, especially if you see an animal close to the road.
• Stay alert. Scan the road for animals day and night, both in the countryside and in the city, and pay attention to “deer crossing” and other animal signs.
• Reduce distractions. Put the cell phone away. It can help you avoid injuring motorcyclists, bicyclists, pedestrians and animals too.
• Brake as necessary. If you can avoid hitting the animal, reduce your speed, honk your horn and tap your brakes to warn other drivers.
• Don't swerve. If a crash with an animal is inevitable, maintain control of your vehicle and don't veer off the road.
• Use high beams. Flicking your high beams on a deer may cause the animal to scurry away.
• Be aware of peak season. Deer crashes happen most often during October through December, which is hunting and mating season.
• Be mindful of meal time. Watch for animals on the road between dusk and dawn.
• Watch for herds. If you see one deer, there are probably more nearby.
• Speak with your State Farm agent about comprehensive coverage, which typically covers repairs for collisions with animals, after your deductible.

If despite all of this you hit an animal, take a deep breath. Make sure you and your passengers are well. Call 911 if the animal is large and still there after you hit it. Check if your vehicle is drivable. When safe to do so, take pictures and, if needed, you can file a claim in multiple ways.

Our Ian response includes State Farm agents who live and work in the same neighborhoods as our customers, and teams of claim specialists trained in disaster response traveling in to evaluate damage on site. They are joined by thousands of employees in centralized care centers across the country helping answer customers’ questions and file their claims.

Additionally, our remote claim teams are able to conduct virtual inspections with impacted customers following the storm, helping customers in their time of need. The use of aerial imagery during the first stage of response helps determine the areas of severe impact. This helps State Farm identify the hardest hit areas and customers, and assess where we need to initially respond and send our first wave of resources to start handling claims for those hardest hit.

Our State Farm Customer Response Units (CRUS) have been traveling throughout communities impacted by Ian. CRU team members and State Farm agents have distributed needed items such as bottled water, packed snacks, work gloves and other useful items for residents. The CRU team responds immediately following a disaster, and navigates throughout impacted areas to provide in-person contact and assistance to those in need. State Farm agents often ride along on the CRU, and can offer neighbors helpful information about filing their claim and insurance tips. State Farm is there to help residents during this first and critical step on the road to recovery.  

After the storm - Don’t sign anything and contact State Farm first

Given the possibility of widespread home damage and claims from Hurricane Ian, we want to make Floridians aware of an important issue called AOB (Assignment of Benefits). State Farm has seen an increase in claims with an Assignment of Benefits throughout the state. 

Once it is safe to do so, check your property for damage. If you have home damage from the storm, please follow these tips to avoid an AOB mistake: If you have a property damage loss in your home, contact State Farm immediately to report the claim. Be careful before signing anything without fully reading the documents. Remember that an AOB transfers the payment and many rights of your claim to the vendor or contractor. This language is often difficult to identify in the documents. Keep your rights! Vendors taking AOBs may be water mitigation companies, roofers or other contractors. Be diligent before signing anything with a vendor/contractor that solicits you directly and advises you to file a homeowner’s claim. Also, preserve all building materials removed by any contractor or vendor until you speak with State Farm.

Customers impacted by Ian urged to report claim as soon as possible

To provide the best possible service and response to customers who may be impacted by Hurricane Ian, the following are in place: 

• The 1-800-SFCLAIM line is activated and available for customers to begin the claim reporting process after the storm hits, should they be unable to reach their local State Farm agent.
• State Farm policyholders who have damage from Hurricane Ian 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.
• Customers may also text the word “CLAIM” to 62789 to receive a link to file a claim or email SFhelp@statefarm.com to reach our Executive Customer Service team.

For people in need of disaster relief, the American Red Cross has shelters in Florida.  Residents can also contact FEMA at 1-800-621-3362 to apply for assistance.

Their catalytic converter was stolen.

Claims data from State Farm, the largest insurer of automobiles in the U.S., shows that between July 2021 and June 2022 catalytic converter theft has grown 109% nationally, in terms of the number of claims filed, compared to the previous 12 months. During this recent period more than 43,219 of these parts were stolen and reported by State Farm customers compared to just above 20,600 in the previous 12 months (July 1, 2020 - June 30, 2021).

In the first half of 2022 State Farm has received over 23,000 catalytic converter theft claims. The data from the most recent 12-month period indicates that the ranking of the top 5 states in catalytic converter theft is currently led by California - with more than 2 out of 10 (24.5%) claims being filed in the Golden State- followed by Texas -with roughly 1 out of 10 (13.58%) of these claims- Illinois (3rd), Washington (4th) and Minnesota (5th).

Why the catalytic converter

Many drivers have no idea where this component is on their vehicle. If your automobile is powered by gasoline or diesel, it has at least one catalytic converter under it. A part of the exhaust system required in US vehicles since 1975, it helps reduce the contaminants emitted by the exhaust. Because of the rare metals that are inside catalytic converters – including platinum, palladium or rhodium – this auto part can be worth several hundred to several thousand dollars.. Some thieves go as far as removing these metals to sell them on the black market.

What you can do about it

The bad news is that catalytic converters can be easy to remove, particularly in tall vehicles like SUVs. Once the part has been extracted, drivers will hear the engine without any muffler, letting them know they have become the latest victim of this crime..

The good news is that, as with many things in life, you have options to protect yourself. First of all, by speaking with your State Farm agent, you can ensure that your auto insurance policy covers the theft of your entire vehicle or any of its parts, through comprehensive coverage.

Among other ways drivers can protect their vehicle is to park inside a garage or in well-lit areas, installing a sensitive alarm system, having a security camera pointing at your car in its usual parking spot, or engraving your VIN on your car’s catalytic converter.

Take precautions to not fall prey to auto parts theft, and leave the rest to State Farm.

Harbert joined State Farm in 1992 as an agent. During his tenure as CMO, he helped the State Farm brand become even more recognizable amidst fierce competition and rapid modernization of the insurance industry. He led a complete transformation of the State Farm logo and overall brand positioning. He also reinvigorated the iconic Like a Good Neighbor slogan and re-introduced Jake from State Farm in 2020.

“State Farm is represented by 19,500 agent offices across the country. It’s been my honor to lead this agency force and to move our brand forward,” said Harbert. “I’m pleased to pass the torch to Kristyn, who has been by my side playing a pivotal role in some of our biggest marketing and agency decisions. I have no doubt she will continue to exemplify what it means to be a good neighbor.”

Kristyn Cook will step into the CMO role at the start of the new year. Cook is a former State Farm agent and has also been instrumental in reshaping the State Farm marketing strategy, expanding beyond traditional media and historically targeted demographics. Her work bridged the legacy State Farm brand into digital platforms like the metaverse, gaming and TikTok to better reach Gen Z and Millennial markets.

“I’ve been so fortunate to work alongside Rand for the past three years and will continue to build on the impactful work we accomplished in our time together,” said Cook. “My connection to State Farm runs deep. My father was an agent, I opened my own State Farm agency 15 years ago, and I’m thrilled to step into my new role as Chief Agency, Sales and Marketing Officer.”

State Farm has launched in iHeartLand on Roblox. In collaboration with iHeartMedia, State Farm has created State Farm Neighborhood, a branded space where users can interact with Jake from State Farm, and State Farm Park, a unique concert venue where some of today’s biggest artists will perform inside iHeartLand on Roblox. The brand’s metaverse launch is another step forward as State Farm continues to look for innovative ways to reach different audiences in new places.

In iHeartLand on Roblox, users will become music tycoons by collecting sound energy to power their own customized music studio as well as unlock upgrades, fan experiences and rewards. Here, Jake from State Farm is making his metaverse debut in State Farm Neighborhood. Located next to State Farm Park and accessible through a pedestrian bridge, State Farm Neighborhood resembles the look and feel of a street festival with interactive features such as a Ferris wheel, food trucks and access to a special sky-top viewing platform with unobstructed aerial views of the State Farm Park main stage. Users may also notice the sound of the iconic State Farm jingle as they explore State Farm Neighborhood.

Jake will amplify the iHeartLand experience with Jake’s daily quest board, located at State Farm Neighborhood. Users can complete Jake’s daily quests and play mini games to win iHeartBucks which can be used to purchase unique verch (virtual merchandise) and gear for their avatar, including an outfit resembling Jake’s iconic khakis and red polo.

“We are excited to bring Jake to the metaverse – we have integrated him in virtual worlds as an avatar before with other initiatives and younger generations have interacted positively with him, so we knew this was a natural next step,” said Alyson Griffin, State Farm VP, Marketing. “Our transition to Roblox is aligned with our strategy to generate future demand by showing up in new places. We saw this collaboration with iHeartMedia as a great opportunity to reach younger generations through music and experiential opportunities and continue showing up as your good neighbor in the metaverse.”

Additionally, iHeartLand’s State Farm Park will host a video performance from multi-platinum singer, songwriter, producer and multi-instrumentalist Lauv on September 16 at 7 p.m. ET. Lauv will perform songs from his new album “All 4 Nothing” and fans can walk the red carpet and take selfies with his NPC (non-player character). The kickoff concert will be followed by an album release party with Charlie Puth on October 7, where new music will be performed for the first time in celebration of his upcoming album CHARLIE. State Farm Park, the epicenter of iHeartLand, will host a total of 20 can’t-miss events in the next year. In addition to Lauv and Charlie Puth, “The Trap Nerds” will also join the lineup for a special podcast event later this year. 

For more information about iHeartLand on Roblox see the full press release here.

The report, America’s Rural Roads: Beautiful and Deadly, comes as traffic fatalities are soaring nationwide. Rural roads have been especially lethal in recent years. Between 2016 and 2020, the five most recent years of data, 85,002 people have died in crashes on rural roads. That’s more than the entire population of Scranton, Pa., or the seating capacity of Lambeau Field, home of the Green Bay Packers. In 2020, the risk of dying in a crash was 62% higher on a rural road compared to an urban road for the same trip length. While rural road deaths fell for several years before the pandemic, they increased in 2020, mirroring what happened across the country. Deaths on all types of rural roads – interstate, arterial and collector/local – increased further in 2021, according to preliminary National Highway Traffic Safety Administration (NHTSA) data.

The high rate of crashes on rural roads is caused by several factors, including lack of safety resources, simpler roadway infrastructure, poor emergency medical services and to a significant extent, risky driver behaviors. The biggest culprits are not wearing a seat belt, impaired driving, speeding and distraction.

“Roads are the backbone of rural America, connecting far-flung communities and families. While cities and urban areas have alternatives to driving, that’s not the case for people in rural areas,” said GHSA Executive Director Jonathan Adkins. “Unfortunately, the dangerous and deadly driving behaviors that have increased during the pandemic have taken an oversized toll on rural residents. Making rural roads safer is essential for achieving the national goal of zero fatalities.”

To prevent these crashes and save lives, states, tribes and their partners must understand the unique challenges associated with rural roads – long distances, limited resources, cultural differences and more. The report offers a comprehensive look at the rural road issue through an in-depth analysis of federal data; input from an expert panel representing government, academic and nonprofit organizations; findings of a survey of SHSOs; and peer-reviewed and other relevant literature. The report was produced by Toxcel, a Virginia-based research consulting firm.
 

Rural Road Safety Trends, 2016-2020

The analysis of Fatality Analysis Reporting System (FARS) data conducted for this report uncovered several details about fatalities in rural road crashes and what risky driving behaviors are key factors:

• Everyone is at risk on rural roads. However, men are involved much more than women (more than two to one), mirroring their overinvolvement in crashes of all types. During the five-year period, 59,793 men died in rural road crashes compared to 25,151 women.
   
• The youngest drivers are at particular risk on rural roads. Although fatalities on rural roads involving 14-15-year-old drivers had declined between 2016 and 2019, they spiked in 2020, with rural fatalities for these young teen drivers jumping by 57%, mirroring the national uptick in roadway deaths in the first year of the pandemic.
   
• The risk to young drivers does not dissipate when they turn 18 years old. Instead, they continue to crash and die on rural roads well into their twenties – and at exceptionally high rates, the highest of any age group. Fatality rates then decline with age until the mid-forties when they climb again. Adults ages 65 and older make up 19% of the rural population but accounted for 21% of rural road deaths. This will only increase with the graying of the rural population.
   
• A lack of seat belt use is a hallmark of fatalities on rural roads. More than half (58%) of U.S. motor vehicle occupants killed in rural road crashes during the five-year period were unrestrained. By comparison, in 2020, 51% of all road fatalities were unbelted.
   
• Speeding is a safety problem on all types of roads, but especially in rural areas, where it was a factor in 27% of deaths. Nearly half (46%) of fatalities in crashes that involved speeding occurred on rural roads. Additionally, states with high maximum speed limits tend to have higher per capita rates of fatalities on rural roads than states with lower maximum speed limits.
   
• Alcohol and drug use are also key factors, as 43% of alcohol-related motor vehicle fatalities occurred on a rural road. Drug-impaired drivers killed 2,644 people on rural roads in 2020, but that figure is likely an undercount, as nearly twice as many crash deaths (5,335) have no information about potential drug involvement.
   
•  Of all fatalities that involved distraction, 46% occurred on rural roads – far more than the population would predict. At least 7,699 people died on rural roads in crashes involving driver distraction over the five-year period, although data are limited because distraction can be difficult for law enforcement or crash scene investigators to ascertain.

The report and its findings will be discussed in detail at the GHSA 2022 Annual Meeting in Louisville, Ky. During a general session panel discussion on Tuesday afternoon, September 20, safety experts from NHTSA, the National Center for Rural Road Safety, Toxcel, the Wyoming Department of Transportation Highway Safety Office and the Family, Career and Community Leaders of America will discuss the barriers to rural road safety and how states can overcome them. More information about that session and the Annual Meeting can be found on the GHSA website.

About GHSA:

The Governors Highway Safety Association (GHSA) is a nonprofit association representing the highway safety offices of states, territories, the District of Columbia and Puerto Rico. GHSA provides leadership and representation for the states and territories to improve traffic safety, influence national policy, enhance program management and promote best practices. Its members are appointed by their Governors to administer federal and state highway safety funds and implement state highway safety plans. Visit ghsa.org for more information or find us on Facebook and Twitter.