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Sillect Insurance Service

3.0 (2 reviews)
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Services - Sillect Insurance Service

Car and truck insurance

Life insurance

Motorcycle insurance

2 More Services

Homeowner or property

Vehicle

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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. :)

Sillect Insurance Service - homeinsurance - Updated May 2026

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