In Denham Springs, Louisiana, paramedic Justin Crochet faces challenges with State Farm regarding his insurance claim. This dispute arose after he was involved in a car accident on October 23, where the other driver lacked insurance. At the time of the accident, Crochet believed he had full coverage on his vehicle.
Coverage Denial After Military Deployment
Justin Crochet, who serves as a paramedic for East Baton Rouge EMS and the Louisiana Air National Guard, had his insurance coverage altered by State Farm during his deployment. In June of 2023, he shipped out for military service, and while he was away, State Farm changed his policy from full coverage to liability only.
Return Notification and Claim Issues
Crochet returned to Louisiana in February 2025. Before returning, he sent an email to State Farm notifying them of his return and submitted paperwork detailing his federal orders. Shortly after, State Farm requested that he fill out a military discount form, which he promptly returned.
Despite these efforts, State Farm did not revert his policy to full coverage. As a result, when he filed a claim after the accident, it was denied. State Farm asserted that he had not informed them of his return, although Crochet maintains he provided the necessary documentation.
Impact on Daily Life
- Vehicle Damage: The car sustained significant damage, including a smashed headlight and a pushed bumper.
- Insurance Payments: Crochet continues to pay for insurance coverage on a vehicle he cannot drive.
- Transport Alternatives: A friend has been assisting him with transportation to work.
State Farm has stated that it cannot disclose specific details about the case due to privacy policies. However, they claim to be in active communication with Crochet regarding the ongoing claim.
This situation has caused considerable stress for Crochet, who is eager to have his vehicle repaired so he can resume his normal routine. The challenges of navigating insurance after military deployment highlight the difficulties faced by service members in securing the protections they believe they have.
