Farm Bureau Auto Insurance

I've had an auto insurance policy with Kentucky Farm Bureau since I was 16. The first two years, it was under my father's name, but I still paid the premiums. When I turned 18 the policy was converted to my name. I had never had any claims (accidents) against my policy. I did have a few speeding tickets that were diverted by the courts, so they never ended up on my driving record. To my knowledge, I had never been late with a payment, and always paid my yearly membership dues on time. Over the years, I added two more policies with them, one for my home, and one for my wife's car. I usually pay premiums in three month increments. I asked that all three policies would be staggered (so I would not have a huge bill all at once) and that they would come due around the 28th of each month.

Last year, I was contacted by my county's office that they were having to issue new policies that complied with their new policy numbering system, therefore my three policies were effectively being canceled, and that I would have to come in and sign new policies at the same coverage and rates, as I had before. The secretary said this was more of a paperwork change than a change in my coverage or premiums. In August 2011, I went in and sign for the new policies. Everything stayed the same, or so I thought. My wife's car's premium was due at the end of September. I got a billing statement around September 10th, which was normal. I opened it up and saw the rates had not increased and glanced at the due date. I saw an 8, and it registered in my mind that it was due on the 28th. The same day, I asked for all my premiums to be due. I put the bill in my "to be paid" stack and figured. I would pay the bill around the 25th to 27th.

On Sept. 20th I got a notice in the mail from KFB that my wife's premium was past due, and it would be canceled if not paid in 30 days. I got the bill out and for sure the due date had been changed to the 18th. I immediately wrote a check for the premium, and mailed it out that afternoon. Going to the county office would have been out of my way for that day's activities. The next month, I get my check from my bank, showing KFB had cashed it on the 25th. I heard nothing more, and got my premium bills for my car and house at the regular times. On January 30th, I get my next premium bill for my car, and notice that it has risen to about $260. I looked over the bill, and notice my multi-car discount had been deleted. The next morning, I called my county office, and asked why my premium had raised, and why my multi-car discount had been deleted.

The secondary agent in the office told me my wife's car policy had been cancelled for non-payment. Instead of the policy just merely being late on the 18th, someone at the head state office decided, to go ahead and cancel the policy on the 18th with no notice. My wife had been driving for the past three months, with no insurance! She even used her unknowingly "cancelled" insurance card, when she renewed he car's license and registration in November. When I told her I had the cashed check from where I paid the premium. She told me that payment had been applied to my car's policy! I could re-instate my wife's policy for around $80 (a higher rate), but I said I would not pay it, since I had already paid it back in September. I asked her how come a customer of 24 years that had no previous late payments, could get cancelled so quickly with no notice. She did not reply.

This was not the first incident I and other family and friends have had with this office. I decided to check around with other insurance companies, and found a very respected company to do with business with from now on. I ended up getting much better coverage for my cars, and home with the new company for about what I was paying at KFB. I'm waiting on KFB to call me later this week, when both my house and my car policies are cancelled.

On June 30, 2011, I was the passenger involved in a single car accident. My friend Ryan ** was the driver, and insured under policy no. **. I went to 3 different hospitals for treatment. My original NC Farm Bureau contact person was Adam ** in Sanford. Adam failed to return calls or keep us posted on the progress of the claim or tell us any additional information needed to complete the claim. Then in August, the file was turned over to Jill ** in Durham. At first, she was very attentive, and cooperative. She stated she was waiting on the records from the last hospital, and then she could finalize the claim. On December 20, 2011 those last records were sent and received at her office. It is now February 6, 2012 and she is not returning our calls. She continues to drag her feet and make excuses that she is busy. She now states that she may need even more information such as prior record reports and that it may be a couple more weeks before she has a chance to finish looking it all over before turning it in for review. I expressed my concern about the length of time this is all taking, and the unprofessionalism of Adam and herself not returning calls, or keeping us posted on the progress.

There is no reason this should be taking 7 months and still be ongoing. Something needs to be done ASAP. I have my own insurance, Progressive, and they have been wonderful and on top of things throughout my recent claim on my own vehicle issue. They call me just to keep me posted on things and to ask if I have any concerns or questions. That's the way a good company works. I am very disappointed in Farm Bureau, and will never use them as my carrier.

Farm Bureau is deceptive! In July 2011, I was a first time car buyer and the dealership recommended Farm Bureau. I was told that it would cost $65.00 to get my policy started so that I could drive the car off the lot and that my monthly payments would be around $119.00. I paid the $65.00 thinking this amount of part of my premium.

The next day, I made a trip into the Farm Bureau office to sign paperwork and was told that the $65.00 was a yearly "membership fee" and was told that in order to pay the premium in installments, I would have to sign up for auto-pay, otherwise, I would have to pay the entire $600 premium up front. I explained to my agent that it was imperative that I pay in installments and he arranged it so that I could pay this way and call in my payments each month.

Fast forward to January 2012, I called my agent in order to add a car to my policy and was told that he had left the company a few weeks prior. I was given the name and the number for his replacement, called and left a voicemail. No response. I called everyday for three days and not once were my calls returned.

Finally, my call was returned by an agent from another office and he informed me that my insurance had been cancelled. The cancellation was due to the fact that I had an unpaid ticket. When I was able to show proof that my ticket was paid in full, I was told that my old policy could not be re-instated. I was told that I could get a new policy to the tune of $146.00. This increase in premium was due to my unpaid ticket. I have left Farm Bureau and am very satisfied with my new insurance carrier.

December 28, 2011 I was on my way to Southaven, MS to my back doctor's office for a follow up visit for back surgery from November 3, 2011. When going through a green light on Goodman Rd. at Southcrest Parkway when a customer of Farm Bureau Angela Crockett driving a 2011 Chevy Suburban only slowed at a red light and hurled right out in my path. I had no time to stop and crashed in to her rear end. Thanks to the cameras posted at the light all was caught on video and the fault was put on Angela ** for failing to yield the right of way. My car was a 1993 Mercedes Benz 190E, a classic in most peoples eye because it was the last year of this model. I had it for only about 3 months and I bought it because it was a one owner and only had 113000 miles on it and it was near mint condition. I paid $3500 for it and I knew that was above book value but it was what I wanted.

I suffered neck and back pains from the ordeal but nothing I thought was permanent. I waited till January 3, 2012 to go to the ER for my injury because the pains would not go away. The doctors took x-rays and determined that I had sprain neck and lumbosacral strain in my back. Although I had had back surgery in November 2011, my back was in recovery and was before this wreck getting better, but since the wreck I have many sleepless nights of my back and neck pains. Farm Bureau only paid my car off of about $1750 and gave me about $950 as settlement on my car and I kept my car so I can rebuild it. I soon found out that the damage was far more than I expected but I was able to pull the radiator support back and replace the radiator, put a new right side strut on it and replaced the headlight which cost me about $1500 and drive it for awhile till I can afford to buy something else.

I am presently on disability for diabetes and other related illnesses and I am on a fixed income and only receive enough money to pay my bills, and since I was late a few payments before the payoff was done I have no credit to buy a car. I never thought that if I was victimized by another driver I would go through so much pain financially and medically. I haven't settled with them as of today January 20, 2012 on personal injuries but the insurance adjuster assures me that I will not get very much. I have talked to lawyers but they all give me the same answer that because I had previous injuries that my chances of getting any settlement of any value would be very little. My back doctor thinks all my pains are due to the wreck and even he doesn't want to see me. I think that Farm Bureau insurance company is like a bandit and I feel like I have been robbed. I asked that everybody please read these complaints and think it over before choosing them as you insurance carrier.

I had a commercial/umbrella policy with Farm Bureau, which cost me over $1,000 per month, and included our ranch/home/liability and autos. After being rear-ended by a bad driver, who then left the scene (hit & run). He was caught, ticketed, and had minimum insurance with only a SR-22 coverage of max $15,000 per incident.

My convertible was damaged, and his insurance paid for some of the claim, but my Farm Bureau claims rep dropped the ball, never investigated anything, sent me on a wild goose chase for documents, and now they are refusing to pay the claim, with 5 sworn declarations, proof of loss of income, etc. Basically, they are low-balling me for less than 10% of my claim. Do not use them for insurance. It's been 3 years since my accident, and I am a non-smoker with no tickets, no accidents, and a perfect driving record.

I'v been a customer of Farm Bureau in Burlington Nc for 14 years. My daughter backed into her boyfriend's car. His good friend gave an estimate for $619.30 to repair his back bumper. 18months later, Farm Bureau raised my rates $624 per 6 months renewal due to this wreck. When the wreck was reported, the claim person told me that my rate would not be raised since the cost was less than $1800.

When I called the agent, he denied ever telling me that information and I should be happy that it took them 18months to raise my rates, and yes, I would be paying this additional cost of $1250 a year for the next 3 years and it was not an option to complain to the home office. My auto and home owner's is up for renewal again in the summer and both are leaving Farm Bureau for Liberty Mutual at that time. I am waiting so that they don't cancel my home owner's making it harder to get a new policy. The staff at Farm Bureau is not honest, trustworthy or interested in dealing with the customer in a professional manner.

I was charged a $25 membership fee every year. What was this for, their Christmas party? No one else does this. I think someone ought to do something about it. This is a rip off, even if it is just $25 a year. It's still not right.

I had my house insurance through this insurance company. I then was told that I now have a new insurance agent. He came to my house a few times, "going over" my policy and other services that they offer. I was not comfortable with him coming by a few times, however, I did not mention it.

Then, I was convinced to purchase life insurance for my two daughters. At that time, this agent only called me about this, which was appropriate. However, after a while, he started calling my fiance about it, when he never did in the past. I did not appreciate this since he is not my daughter's father nor are we married. He was fully aware of this. I became upset and then notified him that I wanted to cancel the policies. He then texted me by cell phone, trying to give me a guilt trip about how I need to do the responsible thing and not cancel the policies. I couldn't believe it. I am now going back to USAA for my home owner's insurance as well.

after being a customer of ky farm bureau for many years. and having my installments taken directly from my bank account, I was told that my policy had been cancelled. there is a membership that is due on the first of the year. twenty five dollars. I told the lady i forgot to mail it due to things happening beyond my control. I offered to pay it. then i was told that no i would have to get a new quote. well they did call back the day after. i was paying 108. a month the quote they gave me said i would have to pay will be 800. a month. this is rediculous, I have always paid my insurance premiums on time. and have been a customer for that many years. this is so wrong. there i was driving without insurance not even knowing. NO letter was sent telling me it was cancelled. something needs to be done about this company treating consumers like this .

I was in an accident, and I am permanently disabled. Farm Bureau refused to pay my claim. They first said I had not contacted them in a timely fashion. But I have phone records showing that I called the morning after! Then they said they couldn't talk to me as long as I had an attorney. But I had to have an attorney to get medical care.

Over the next year and a half, they came up with as many reasons to not pay, claiming I should collect workmen's comp. But none was available! After running her full list of non-paying reasons, my case was handed over to someone new! Then to the legal department. Finally, they said I had not sent in any documentation of loss wages. And after I did so, I was never contacted again.

I do not know where to turn to now. Can anyone help me? I sent a formal complaint to the Office of Insurance Regulations, and they are in the pocket of the Farm Bureau! In my last communication with an attorney, I was informed that the attorney in Texas (where the accident happened) was guilty of malpractice and I would have to take it to the courts.

The Monday before Thanksgiving this year, I was on my way to work on I-77 when traffic was slowing down. I had already started applying my brakes when in the course of nature, I sneezed. Five seconds later, I was stopped by the car in front of me that I ran bumped, and I mean bumped only. Both the other driver and I pulled off, looked at the damage to his bumper, which consisted of an indentation of where my license plate holder put a crease in the bumper and the 2 screw marks from the screws. We both agreed that police did not need to be involved. We exchanged information and we were on our way. I called my agent and told them what happened. Two days later, I get a call from the adjuster. He asked me a few questions and he then told me that the body shop came back with a quote of $1,859.00 for the damages. (1) I was shocked with the price, although Lake Norman Body & Collision is the highest in the area; and (2), I asked the adjuster to get another quote from another body shop. He said he would. That would be the last time I ever spoke with this mystery man. I called at least 6-7 times and he never called me back.

I called the office about a month later after I received my policy. Of course, my rates went up, so I wanted to find out what was paid out on the claim. Now, so you know, in the State of North Carolina, your rates will not go up if the damages are under $1,800.00; at least, that is what Farm Bureau Insurance told me. The total amount of the claim was $1,839.00. Now, for the next 3 years, I will be paying over $3,200.00 for an accident that should not have cost me anything. I even asked whether I could pay the difference in the cost over the $1,800.00 limit and was told that that was against the law. I could not contact the claimant or the body shop. It is very clear that Farm Bureau's intention is to take as much money and give as little help as possible. I have been with them for over 6 years now, and this is my first accident that was my fault since 1988. I have called to speak with the agent. He is little to no help at all. I have paid insurance to this company for over 6 years and this is the treatment I received.

My wife was hit by one of their insured who was asleep at the wheel. We contacted them about getting our car paid for and maybe a rental. After 6 messages, I stayed on hold until I talked to an adjuster. He was about as rude as I have ever experienced and said he was busy so just get in line. So far it has been a week and they won't return my calls.

I am lucky that I have good insurance thru Travelers so I can get my car paid for less the deduction. However, I have to wait for Travelers to sue Farm Bureau to get my deduct back. Tennessee Farm Bureau has the worst customer service I have ever received. This resulted to a totaled car, personal injury and loss of deduct.

I was involved in an accident with their insured. I inquired about a rental because my car had been towed and is on their lot for inspection. I was told that they could set up a rental but I would have to pay for my insurance on the car. Why am I still paying for something that was caused by their insured?

It had caused loss of work, doctor bills, prescription costs and now rental insurance bills.

We, my wife and I had at one time insured all our real estate and automobiles with Farm Bureau. In, September 2009 we filed a claim that our Rental Property at S. Alston Ave., Durham, NC 27713 had been vandalized all our copper Plumbing and the heating coils air compressor they told us their company and in fact ,no company paid for THEFT. wE, HAVE NEVER HEARD that before in January 2005 We had the whole heating unit stolen and Nationwide Insurance installed a new heating unit.

We are no longer with this Farm Bureau Insurance because that is a piece of crock the Heat Pack is connected to the house and they should have paid the claim. The date of loss was 09/30/09 a police report was on file and I want anyone who has insurance with them to reevauate their policies because they are not trustworthy. They have cost our family a lot of grief and turmoil to be treated in a manner as this.

The consequences are we had to purchase and have installed all new plumbing which is attached to the house and we have to purchase a new 3 ton Gas Pack which at this time we do not have the monies, because we still have to pay the mortgage and taxes and insurance. If, they had made it know that (Farm Bureau) that there is a difference between Theft and Vandalism when a policy holder takes out a policy then it is disclosed, but they did not. So, I am telling everyone to peruse their policies and write down everything they say because they will tell lies.

In December I totaled my 1999 Tacoma. I had the truck for several years and had dropped the full coverage due to the high mileage. Three months later I bought a 2004 Tundra. I called to get the quote and they said it would be $880 every six months.

I had other quotes for $200 less and asked why. He said the wreck ran my insurance up. They conveintly loss my defensive driver certificate that I had taken with my job. I was forced to go with another company.

I am 32 years old and have been with them since I was 15. My father had been with them since he was 16 and my grandfather used them. My entire family has done business with them since welol before the 1950's and this is how they treat long standing constumers.

I am a citizen of Unicoi County, Tennessee. I am not sure that your office is the correct recipient of this letter, but in order to find someone who can help the consumers in rural areas of our country and state, I am writing to many offices and agencies. Please take the time to read this letter as it is of great importance to the people of Tennessee.

I am writing this letter to your agency and many others as well as specific elected officials at local, state, and federal levels in order to raise the awareness of an injustice to the insured consumers of Tn forced on them by the recently instated business practice that is being adopted and MISUSED by Farm Bureau Insurance of Tennessee as a tool against the consumer to INCREASE AUTO PREMIUMS at will. One that will have a direct affect on our local and state economy -and possibly national- and especially on the stimulation of the auto industry and on the 600,000 other policy holders of Farm Bureau of Tennessee alone.

The misuse I am referring to is the misuse of a consumer's credit report to enable insurance companies to suddenly and without warning, increase AUTO INSURANCE PREMIUMS of already established and existing policy holders(as in my case 25 years in great standing) because of no other factor than a decision to look at and use (only recently for the reliability of policy holders) an existing credit report that the company has deemed below standard and therefore making the policy holder a sudden risk to the company thus increasing the premium.

Please take time to read this account of my direct contact with this misuse and the fact that a family of above average means in excellent financial state, where both husband and wife have jobs can be affected with this "less than perfect credit report" ....what the outcome will be of a family where job loss has occurred and the many people in our state that will be affected by this and this is my attempt to get someone to listen and do something to change this, or at least be directed to the person or agency or steps that might help initiate a change in this policy.

Read the following scenario to see if this seems logical or fair to you?

a 25 year customer/family in great standing with the insurance company, no lapse in policy ever, no late payments, has auto, home and life ins.policies with the same company, own their home valued at $300,000, paid off home loan in 15 yrs., just purchased in '07 new F-150 on credit (0% interest), spouse purchased new '08 750i BMW on credit with no problem getting loan for 50,000+trade-in(both insured at Farm Bureau for last 2 years), paying out of pocket for son to attend college, have 0 credit cards or balances, has never or would never drink and drive, 2 or3 auto claims(fender-benders/teen-age driver)max to date- none major and none at all in last 3 years, policy premium actually decreased last year, but this same policy holder has been awarded a below standard credit score according to Tennessee Farm Bureau Insurance Company's scale because on their credit report a disputed loan made by someone using this person's credit information and cannot get it resolved despite consumer's best efforts and therefore the family "AUTO" insurance premium has in the last week increased by $200.00 yearly because they are now a risk to the company even though the disputed loan was there since Mar. 07 when they were not a risk and in fact an excellent client!

No, I did not mistype! AUTO insurance. The credit score is now being factored into an insurance company's equation to figure the amount of the premium due on AUTO insurance regardless that the consumer has been a customer for the last 25 years and in great standing with the company. And although this customer had no trouble having a credit rating that could secure 2 new vehicle loans with 0% and 4% interest, Farm Bureau Insurance Company feels now after 25 years of service to us and by us, we have suddenly become a "risky" driver and must be charged $200 extra dollars to insure.

I see no logic to that kind of thinking at all. Could it be because the concept they are trying to pass off as logical is really founded on greed and dishonesty...not logic? But wait, I am not finished with this story. That same 25 year customer that is mentioned above, could now pay as much to be an insured driver and have the same premium due as the person with a DUI charge, citations, who has no job-by choice, who lives off the government, who owns no home, and pays no taxes, but forgive and forget all that. he does have that high credit score which deems him a good driver because he pays his insurance on time along with his ONE other monthly bill that the government gives him the money for. Which person would you trust to be driving on the same road as your daughter or son or wife or husband?

After all -that is what matters where AUTO insurance is concerned, right? The better the driver's record, the lower the cost to insure? That is what I signed on for anyway... until they decided to change the contract without letting me know or be able to do anything about. A consumer's credit rating is being misused by companies to fit whatever purpose they see fit----mainly as a tool against the consumer and this seems like a very dangerous game for our economy since the greediness of companies has already been proven many times over recently.

With the computer age at its peak and every day becoming more and more sophisticated, the cases of identity theft are at an unbelievable rate. Hackers are able to get a person's information as easily as we look up a phone number and developing new methods faster than the FBI can keep up. Knowing this and the damage that can be done to a person's credit from such an occurrence, not to mention the state of our economy ...how can we allow one's credit score to be given this type of influential power in determining unrelated aspects of their lives and used in any way shape or form by companies at will?

I can understand if companies want to use it as a screening tool for identifying new customers who might be a risk and choose not to write new policies to those who they feel might not pay or be a risk in some way. But I don't understand how companies with customers who have had 25 years of established proof to that same company and multiple policies and have proven time and time again they are creditable clients and not a risk to their company as a driver or in any other way and have paid far more into the company at this point than the company would ever have to pay out ....can apply the same scale of risk to that consumer as they would to a new applicant.

It is time someone steps up and stops companies from taking advantage of average hard-working consumers and doing as they wish with no accountability or rules and leaving the American consumer with no avenue of recourse or no one to turn to when wrong acts such as these are committed against our work force. This will directly effect our economy...in a big way...just sit back and watch or do something in your power to see that it is not allowed to happen. But let's not forget who we are actually pinpointing here...insurance companies- not banks or credit unions...insurance. There is no real credit risk anyway. They are not handing out loans, or money to their customers. if you don't pay your premiums...you don't get insured. they'd drop you like a hot dish. so, what exactly is it they're risking anyway?

I am a teacher in a rural community. How many teachers put in 26 years of service to the same system and are considered a risk of any kind? Teachers like farmers are all about doing what's right and Farm Bureau was made successful by those very people and is turning their backs on them now. $200.00 per year in increased auto premiums and I'm sure other insurances will follow suit if this works for auto.

I have had an insurance policy with Farm Bureau (Life, Home owners & auto) for several years. I recently had an auto accident with icy weather (by hitting a ditch and serveral trees, ending up in a ditch with the entire front end caved in the ditch and facing the opposite direction that I was traveling) on December 16, 2008. I did report the accidentby filing report with Tennessee State Trooper. The car was tow to a local towing company in my home town. Then calling my Farm Bureau Insurance giving Farm Bureau all the information that was requested. The Farm Bureau Representative told me that a Claim Representative will call me and also an adjuster.

After convsersation with claim representative (Lorine J.) then the adjuster(Randy) called. He told me where I need to have the car tow (as in Body Shop) to so they can look at it. The vehicle had major damages. I felt uneasy being coached on what Body Shop he wanted me to take it to. I told Randy, the adjuster, that I felt uneasy about the place he selected and wanted it sent to a more Certified Specialist to make sure that I am given a fair assessment on the damages. The vehicle was tow to the Certified Specialist and there we major, major damages done to the vehicle. After the Certified Specialist looked at the vehicle damages including entire front end, rear damages, tires, steering wheel column and radiator busted and some dameges that they have to continue to make an assessment.

I am a Lung (COPD, Asthma, Emphysema) & Lupus patient. I travel 2-4 hours trips to doctors , and also here within the surrounding counties. I am given a botched job with my vehicle. I do not want to drive a lemon with the illness that I have. Randy also quoted that if the vehicle is totaled out, that I would have to pay him $2,000.00 which my deductible is only $500.00. I need reliable transportation in order to make it to my dr. appointments and daily traveling. I am certain that Randy is not standing behind the policy of Farm Bureau. Please help me with this situation because it is adding more stress to my illness and I am afraid if I am coached by Randy in to something I don't agree with it will cause me to have an asthma attack.

i owned a 2002 toyota camry, paid for, carried uninsured motorist insurance (farm bureau), which is what is required in the state of mississippi. i went to work out at a local gym before work, while i was there, we were notified that there was a car fire outside, at which time i found out that the car next to mine (1999 pontiac grand prix) had caught fire and burned & also caught my vehicle on fire destroying it also. fire department came & extinguished the fire, cops came, information was exchanged. come to find out 2 days later, the guy parked next to me was NOT insured, even though he told the fire department, police, & i that he indeed had insurance.

i of course contacted my insurance company that informed me really quick that they were not liable, because a collision did not happen, even though there was a collision of the flames of the guy's vehicle to my vehicle, upon which destroying my vehicle. to add fuel to this fire, the gym that i belong to is a 24/7 place where they give you a copy of a gym key & you can workout anytime that is convenient to you. well this guy had not been paying dues for the past 3 years, he was there on a counterfeit key. so in short, now i'm out a 10,000 vehicle just because there are losers that beat out system out of every penny possible while the innocent, law-abiders suffer.

toyota camry completely engulfed with fire & destroyed, car worth 10,500.

upon moving to idaho we purchased all our insurance here auto & home, than we transfered out of state I called the middleton office prior to our home closing and gave them the date to cancel, I was told ok if there was any deley in closing just call back. After we moved I recieved a statement from them so I called back to confirm all was cancelled. At this point Im now told we can not cancel a policy over the phone we need your signiture. Now Im in Minnesota so I can not go to the office so she says I will mail you a form and send it back. I get the papers sign them and send them back. I call first week in february to see if everything is cancelled, Im told yes.

Well now on 2/12 they make an automatic withdrawl out of my bank account for a full payment. I call again Im told because I did not come in the office and sign the deley caused us the payment. after speaking to people at the office and being told now I have to get copies of bank statements and whatever else it can 4-6 weeks to get a refund. I think this just a ploy to extort money from people who may not check there balances closely or when they call and are told it was the consumers fault they do not make a stink, its a great way for them to make extra money. hopefully I will get my refund but I think there practices need a little looking into. I lives 1.8 miles from there office when I called to cancel I had been in the office 3 seperate times.None of this would of happened if they had me sign something when I was there, no they wait till Im 1,800 mile away.

As a result of the auto accident I have permanent daily chronic headaches & neck pain. My husband & I are out a substantial amount of money for medications & Doctors visits, physical therapy, etc. The medical bills are with collection agencies. We pay what we can each month on these bills. I cannot work full time due to the chronic pain.

i am out of pocket about 200.00 cash , which was the storage expense on the auto. and the retail value of the auto which is 4800.00.