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    Life insurance

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    Elizabeth Cardenas - State Farm Insurance Agent - Heading off to college is an exciting adventure!  Make sure you're prepared with the right auto insurance...

    Elizabeth Cardenas - State Farm Insurance Agent

    (14 reviews)

    Recently I discovered the saying is true, "There are worse things in life than death. Have you ever…read morespent an hour on the phone with an insurance agent?" I spent a few hours in total trying to resolve a claim where State Farm was attempting to put used parts from a similar vehicle on our car. The body shop doing the repairs contacted us about the attempt due to the damage that would need to be done to the part before installing it on our vehicle. I couldn't believe that my insurance company would even attempt this, so I immediately contacted my insurance agent. I never heard from Elizabeth, only a representative from her office. Next, State Farm attempted to use "after-market" parts instead of OEM parts from the manufacturer. Again, when I contacted my insurance agent, I spoke with a representative, not my agent, and asked if I could request OEM parts that come with a warranty and are made to the manufacturer's specifications. I was told that yes, we could, but that I needed to contact the claims department directly (which made me think why do I have an insurance representative if I have to do all the work), so I did, and was told by the claims department representative that a "supplemental" check would be sent to the body shop. After weeks of back and forth and the continued "we are working on it," the body shop was never paid for the difference between the "after-market parts" and the "OEM" parts from the manufacturer. I share this with you to be aware that the coverage you think you have is not necessarily what you actually do have. Insurance companies cut corners like many businesses these days. Without posts like this, you might never know what's under that fresh coat of paint. My wife and I chose State Farm Insurance because of the "local agent support". I was sent a denial letter from State Farm's claim department showing what they agreed to pay versus what the body shop had submitted for payment. Here is the lesson we learned the hard way. Unless specifically stipulated in your insurance coverage, be aware that when your vehicle goes in for repairs, the insurance company has the liberty to use a used part from a vehicle of the same year as your insured vehicle or an "after-market" part made from substandard materials with no warranty or made to manufacturer specifications. Unfortunately, we learned this lesson the hard way, and the body shop was out $950.00 in parts, not labor, for trying to protect our investment, as State Farm only pays what their claims department decides to pay, not what is in the customer's best interest. I am just thankful we used a body shop that was more concerned about our interests than my insurance company should have been.

    Lacey provides exceptional customer service, demonstrating kindness and a strong commitment to…read morecustomer satisfaction. I highly recommend this office for all insurance needs. :)

    AAA Bakersfield Insurance and Member Services

    AAA Bakersfield Insurance and Member Services

    (91 reviews)

    I am updating my review for triple A specifically for Erin Sceales, who I had the displeasure of…read moreworking with in 2023 regarding an accident that I was involved in where the party she represented lied on record that I was at fault even though I had video proof they admitted to fault at the scene of the accident. Read my previous review for details of that experience. This is a review of how careless Erin and/or triple A was in closing the case. After paying me out for the damages their party caused, they sent a report to LexisNexis and failed to identify who was at fault (clearly not me). Fast forward to 2025, I received a letter from my current insurance provider stating i had a nonchargeable at fault accident because the report was incomplete. I called and worked with LexisNexis to dispute this and even they acted surprised an insurance company would make such a mistake to leave that information out on a report. This matters because the information on the report could have affected my eligibility and rates for car insurance for the several years that I was not aware of the incomplete report. It would not be hard for me to reach out to triple A directly to get an explaination on their carelessness. Stop messing with people's finances!

    I've been an AAA member for almost 50 years, and this Bakersfield Office and its wonderful staff…read morehas reinforced my decision, since 1980! Brandon, was extremely patient and helpful with this disabled, senior citizen. He greeted me in the front lobby, because I was in too much pain to stand in line. This old car needs an overhaul!

    PHP Agency - lifeinsurance - Updated May 2026

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