Carl Ferraro III – State Farm Insurance Agent

I deal with the staff here constantly. As for customer service — there is NONE. When I make a request I have to follow up at least 4 times or more — even after I confirm receipt of my request. Inept is the only word to describe staff. When I try to get Carl on the phone or via email to resolve the issues — I get email thats short — I will look into it. No apologies for frustration level. I thought it was personal — apparently it’s the actual function of the office. Beyond frustrating is all I can say. Trying to switch offices currently. Personally I switched from Geico to State Farm. I deal with a completely different office — different county altogether — and I had similar issues as to the previous review. They said they didn’t get our pictures, cancelled insurance, reinstated insurance — and charged me for policy changes! Corporate can’t tell me anything ever — I always have to wait for the office to be open — so the commercials are total BS. They tell me look on the back of the page and you will see. I scanned in the documents, because I can read — and low and behold they had to admit I was correct. Nothing but confusion — something has happened to infuriate me all 3 months I’ve been with State Farm so far (switching that as well)

State Farm canceled my condo policy because we filed claims for hurricane Hugo damage. I called and emailed for weeks just so that I could understand how in the world this was possible. No one bothered to call back. They just discarded us like garbage. We had no choice — we rushed to get a condo insurance from other company. I would never recommend this agent with anyone. They don’t care about you. Horrible.

I had Geico and my partner had Allstate. We decided that we would get a joint policy and check out State Farm to see what they could do for us. We met with an agent who was very pleasant and signed us up. I have a specific account that I pay only my bills from and told the agent to take payment for the policy the 17^th of every month since I get paid the 15^th of every month. The agent accidently put the 12^th in the system and my payment bounced the 12^th of the next month so my bank and state farm charged me a fee then cancelled my policy. When I called they stated they would reimburse me the amount and reinstate the policy. I received a check which was written out to my partner and not me, and worse, the name was spelled wrong so it could not be cashed (it was also spelled wrong on the insurance cards as well). Again, I called and asked the agent to resend payment with the correct information.
A week later, I received a letter from state farm stating that the collision on our cars was cancelled because I never had the car inspected. We have brand new cars btw. Collision is very important! I did get the car inspected two days after I signed up with State Farm! I had to call them to give them the inspection information (which I never had to do for any other car insurance company). Thank God I kept the Copy which the original should have been sent to them. What is worse is that The agent a week before said everything was ok with my policy and now they are sending me a cancellation notice that was dated a week before I spoke with the agent about the reimbursement. At that point we hardly had the policy for two months and we were charged fees, names were spelled incorrectly, our policy was cancelled twice all because of the incompetence of Mr. Ferraros staff. There were several more incidents after that but i will not bore you with more details! It was a comedy of errors and I was not in a humorous mood. I wrote Mr. Ferraro a formal letter expressing my concerns which included very specific details of the problems I was encountering. My stress level was rising based on stupid mistakes from his staff and I was not feeling safe that if something should happen, we would be adequately covered.
Mr. Ferraro called me and presented as very arrogant and unapologetic. instead of simply apologizing and giving me another agent (as per my request). He stated that he has never had a problem with that agent before. Nothing was resolved and I left the conversation feeling unheard. I expected to be received with professionalism and concern. Instead I was speaking to an agent who had a lot to learn about business and customer relations.
Stay away from this agent!!! It is nothing but grief!

I am writing this review mainly because what I had to go through I don’t wish it on anyone. I had my car insurance and my car loan with state farm. fortunately I only have my car loan now.
Mistakenly my car had a lapse of insurance for 43 days on 2012 (YES LAST YEAR) when I received a letter from the DMV last year I spend at least 2 weeks day after day calling and emailing until they finally «removed the lapse», I got a letter with state farm letter head assuring that my insurance had no lapse so I forgot about the issue
March 2013 I get a suspension order from the DMV asking me for my car plates for 43 days, an stop on renewing my registration or a one time fine of $ 370.00 I immediately reach out but it was a real nightmare. At one point my emails were to three different agents none of them reply for days nor return my phone calls and THIS IS NOT ONLY UNPROFESSIONAL but I realized my car had a suspension order no registration and my license could have face a suspension because I trust the wrong agent. We dont realize how much this agencies can damage our records but it is a reality. I never felt a sincere apology they all had a «I am busy» attitude or a «yeah, i called, yeah they said yeah this yeah that» it was the WORSE experience that I have had in my life, I did not curse them once but they deserved to be curse every time they finally felt like answering my calls or emails. THIS IS NOT how a customer should be threaded and perhaps MR FERRARO should look closely the type of agents that represent him.
I went to the DMV three times but their only answer was «State farm reported the insurance lapse they HAVE to remove it from their end» no letters were valid no emails no nothing. I spend 3 ½ weeks in stress and at the end I pay the $ 370 because I had a very important appointment where my records were going to be check so i could not take the risk.
My last email was asking again if they were able to remove the lapse no answer yet. I spend 1 hour with the DMV yesterday, they said I MIGHT be able to claim a refund as the lapse is finally removed … Please go somewhere else, this agents DO NOT care about you. our money is very hardly earned these days they DONT DESERVE IT !!!

We have been with this agent for 3 years. From the very beginning of trying to get insurance cards for car insurance until the very end of trying to cancel some policies and speak to a human, this agent has been unhelpful and a bit of a jerk. Initially, the people in his office just could not get ours names right on the insurance cards and we had to return to the DMV 3 times before they would accept the work of this office. When we finally needed to speak to a human, they were not to be reached (either ‘on the phone or with someone in this office”). When we showed up in person there were about 4 agents sitting around on the cell phones and 2 actually working. The two working were the only ones who were able to help us, so we waited for 20 minutes while they took other customers by phone. The whole time, Carl never spoke with us, invited us into his office or even spoke to us about anything other than trying to convince us to keep our insurance. After this experience, I am fed up with bad customer service and do not recommend that anyone use this agent. I am cancelling all my policies with them.