Normal wear and tear. This is what I was told by State Farm on a battery that had a terminal post snapped off when I was in an accident years ago. A fool ran a red light on my way to the creek (boat in tow) and hit me in the left front wheel at about 45mph I was going about 15mph. My truck flew to the right and ended up at a 90* angle to the boat. Luckily he was driving a small compact and I was driving a full sized Chevy ext cab 4x4. His car was totalled but mine had minor damage. The jolt of the wreck pushed my battery to the side so hard it cracked my battery terminal inside. A week later I go to start the truck and find the post and cable is laying against the battery compartment.
My theory was that as the battery pulled to the left from the force of the accident the cable would not allow the movement so something had to give and that give was the cheap lead of the battery not the cable. You could easily see that the cable had almost no play. A woman at State Farm came out and looked at it and almost laughed at me when I told her my thoughts on the battery problem.
So I went in a month later after I found another insurance company and cancelled my policy. I had been with them since I was in High School (17 years ago at the time). I told them why and they said it's too bad but I was wrong on the battery issue. It ticked me off and I told her that I don't need charity but I do need an insurance company to stand behind me especially when I had only 1 claim in addition to this accident and neither was my even my fault.
State Farm did cover other damage and thats was the right thing to do based upon the coverage I had with them but to lose me over a $75 battery was crazy. I'm better off now. State Farm is fine in my book but I think my problem was a judgement problem by an adjuster who probably didn't know what a battery was even for. Keep fighting for what is right!!

Don Dasher
619-3940