State Farm declared my car a total loss in December 2025, but never sent the surrender instructions they claimed were enclosed. I have repeatedly told them I am ready to finalize immediately. The property adjuster has sent exactly one substantive email in 175 days. I still cannot get instructions on how to surrender the vehicle and get paid. The one or two times I was able to get the property adjuster on the phone, he was extremely rude and arrogant.
In contrast, the injury adjuster was great. However, I haven't accepted that payment yet because when I started to do so I had to electronically sign a document saying that I would release State Farm from liability. I didn't want to do that because the property portion is about 6x the injury portion, so I don't want to sign anything until I can sign the injury and property claims at once.
I've filed 2 complaints with the Texas Department of Insurance (TDI). After the first one State Farm made verifiably false statements to TDI. TDI responded that they don't get involved in factual disputes. So then I wrote back to State Farm requesting a supervisory review and asserting all of the verifiably false statements they made to TDI. They never responded, but they increased my loss of use compensation by an additional $2900 (seemed like admitting fault to me).
So here I am with 4 outstanding payments - 2 separate loss of use payments, an injury payment, and a property loss payment that is dependent on my surrendering the car. No one will tell me how to surrender the car - who to give it to, etc. So I just filed another complaint with TDI. What else can I do? I can also upload all of the documents and evidence that I sent to TDI, if that's helpful.