Farmers Auto Insurance

Farmers' agents do not follow through - The latest incident involved me hitting a cow with my truck, which damaged my front end. A week prior, I had hail damage to my hood. I decided to take the money instead of repairing the hood and pay my deductible. I cashed the check. The hood was still in great shape. The next week, I hit a cow, which now I have irreversible damage to the hood and needs to be replaced. Farmers added the money they gave me to fix my hood and added it on the new claim and stuck me for another deductible! In August of 2011, I was rear ended while stopped at a traffic light. I decided to use my PIP to help me offset my cost that I had to pay out of pocket. I lost time from work, had therapy sessions that were out of pocket because the clinic I went to did not do any muscle relaxation, only prescribe medication.

I want to fix the root of the problem, not mask it. Although I did have to use some medication because the pain was unbearable on my lower back. I filled out the application for benefits and loss for my insurance agent handling my case. I faxed 15 pages to her to Farmers' fax line around the middle of December of 2011. She said she received them. Then about a month and a half later, I called to check my status. She claimed she never received them. So I resent them via fax to Farmers' fax line. A month later, I called to check the status and she claimed she has no recollection talking to me about the resubmission of my documents and has never received them. Half of my PIP has been paid to the medical facilities that cared for me. However, the rest of the PIP I feel should be mine due to lost wages at work.

Today is 5/13/2012 and I resubmitted the required "Application of Benefits and Proof of Loss" back to my agent via email and fax for the 3rd time. I have been with Farmers Insurance at approximately 10 years and have put plenty of money into. That's what insurance is for, but when it comes time to pay out, it has been my experience that Farmers doesn't not like to pay.

Bait and Switch - I enrolled online and was quoted $45 monthly payments. Two months later, I was told that my premium would be $89 after further review of my records. One month later, they sent me a notice that my premium would be $160 a month. The next month, they sent me a notice that my premium would be $260 per month. I haven't had an accident in my life and my last traffic ticket was 13 years ago. I am over 55 yrs old and they gave me no good reason for any of the additional charges. I had to pay a $160 deposit. So, before my rate went up to $260, I called them and told them to cancel my insurance. They sent me a notice of cancellation for non-payment. Now, I get a letter they have turned me over to a credit collection agency. Please help. These people are ruthless!

Farmers' insured cars run uninsured - Farmers Insurance is a scam. Farmers sells car insurance policies, but when an accident happens, they refuse to pay the damage. This means there are thousands of cars rolling on our streets, carrying an insurance slip issued by Farmers but effectively running uninsured. I have a solid and undeniable claim towards Farmers. On March 20, 2012 my car got rear-ended by a car which has a valid insurance coverage by Farmers. I have a police report and a handwritten confirmation of the accident by the driver. Until April 18, 2012, Farmers stated they were unable to contact the policy holder and therefore my claim would be closed on Monday, April 23, 2012.

Based by facts unknown to me, Farmers changed their position late afternoon of April 18. They told me to see an appraiser who gave me an absolutely unrealistic written estimate of $593.96. He immediately told me his own shop would not do the repair for this price. He refused to give me a best case, a worst case or just a rough estimate. He repeated, saying the repair work would take about three days and there was definitely no way to do it for $593.96. He said I could leave the car there, and after taking the bumper down and taking the back of the car apart (so that I could not take it back anymore), he might be able to tell me the additional costs (which would be a barrel without bottom and, of course, not be paid by Farmers). What is an estimate? What is it good for?

The bumper alone has a list price of $380.00 plus tax, the sum of the parts exceeds $600, and there is no way to have the repair done for this price. For unexplainable reasons, his estimate includes paint labor and paint supplies although there is no paintwork to do. On March 27, 2012 I made a right turn from Gateway East Blvd onto Hunter Dr. in El Paso, TX. I stopped at the intersection because I had to yield to crossing traffic. While my car was at a complete stop, the car behind me crashed into my rear bumper. The driver of that car was Ivette ** of **, El Paso, TX, student at El Paso Community College, seventeen years old, not in possession of a driver license. She begged me not to call the police to avoid more trouble and promised to be responsible for the damage. A few days later, her sister told me on the phone she was only seventeen and I should go to the police, which I did.

When I filed the report, I learned that the police already had a mugshot of her which was unrelated to this accident. In the police report I was given Fin. Resp. named Bristol West Specialty Insurance. Bristol is affiliated with Farmers Insurance, and Farmers Insurance is together with General Insurance and Global Life owned by Zurich Insurance Group AG of Zurich, Switzerland, former Zurich Financial Services Group. Farmers handles all claims directed towards Bristol and maintains a website which is ironically named HelpPoint. I filed my claim by telephone with a friendly lady who said her name was Colleen **. She told me the procedure would take about two weeks, I would be compensated for my damage, and I would be informed about new development in the case immediately.

Two weeks later I called, then received an e-mail telling me they had now received the police report and would start working on it. I called to ask why they had not told me they were waiting for the police report because when I made my initial call I already had it. I could have faxed it, they could have had it within minutes and there was no need to wait two weeks. They told me they could not ask Colleen because she was not working for Farmers anymore. Later they left a message on my phone telling me the claim would be closed by Monday April 23, 2012 which gave me four more workdays to do... well, to do what? I spoke to many claim adjusters, supervisors, and managers. They maintained their position: The claim will be closed, go to your own insurance!

Suddenly, April 18, late afternoon, there seemed to be a breakthrough: our insured's policy will pay for the reasonable and necessary damages. Now they are offering me a check of $593.96 far away from the repair costs, not covering the depreciation of value on my vehicle after even the best repair. For weeks they tried to discourage me and get away paying zero. Now they are trying to get rid of me for conciliation money (probably thinking: "For this **, ha, five hundred bucks is a lot of money"). I have every reason to believe that there was never a Colleen, and saying "I don't know what she told you", "I don't know why she did that", "She is not working for Farmers anymore" is part of the system, the scam, and the criminal organization including the claim adjusters and their repair appraisers.

Farmers only communicates on the phone and makes no written statements. Out of all agents I talked to there was not one who did not tell me: Go to your own insurance! Farmers has to pay my reasonable and necessary damages (though all I am asking is reasonable and necessary repair), because this is the law, and they know that because they are professionals. They do not abide by the law, and they are still refusing to stand for their obligations and pay my damages. This substantiates the scope of my claim: Farmers is a scam. An insurance slip from Farmers is not worth the toner for the laser printer it was produced on. Their license should be revoked.

Billing, accounting, unilateral changes - I was charged extra to combine all 3 vehicles to 1 policy. I was billed an amount for annual renewal. I paid the bill in full on March 7, 1012. On April 4, 2012, I received a bill for an unspecified change dating back to January 20, 2012. Turns out they didn't believe that I drove my Tundra less than 5,000 miles a year so they changed it to 6,500 miles without consulting me and billed me an additional $42. I actually drove the truck less than 4,000 miles last year due to the purchase of a high mileage Honda hybrid which is on my policy. We have 3 cars for 2 drivers. I received over 20 confusing mailings from Farmers prior to my renewal this year.

If I can't trust their billing or the information passed on by their agent, how can I trust them if I have a significant claim? I was going to change insurers when the current policy expires next March, but because of a total lack of trust, I am now shopping for other companies. Farmers is incredibly unreliable in my opinion and should be avoided.

Incompetent agents: What a crock! All those years we were loyal members; for over 20 years, we've been with Farmers. I got vandalized and hit in a parking lot while the truck was parked. The so-called adjuster did not file the claim as promised, did not assess all damages, did not follow up with the repair shop, and lost a customer of over 20 years! I want my money back!

Violations of the Paperwork Reduction Act/Fraud: In March 2012, I applied to renew my auto insurance policy. The premiums weren't the same as the original policy. They went up. I emailed my agent at Farmers Insurance. She ignored them. My policy was written by Bristol West. Every month for the last six months, they sent massive amounts of bulk paperwork appearing to be duplicated copies of my policy. When I questioned why my premiums went up, they explained that they sent me a notice in February. Read pages and pages of tiny writing because if you don't, they will increase your premiums. Farmers Insurance knew I changed insurance companies because of the same reasons.

Farmers Insurance of Hawaii ripped me off.

I was a AIG/Farmers Insurance of Hawaii customer for thirteen years. I paid my bills on time and expected the same from them. This last time, that's not what happened.

I had a claim. The other party admitted fault and was insured. What's the problem? The appraiser said that it would cost about $400 to fix the new damage to my bumper but he was going to pay me $50. He said his reasoning was that there was a prior claim on the bumper and unfixed damage. That makes no sense. They should pay me what it costs to fix the new damage regardless. It turns out that I didn't even put in a prior claim for the damage. According to the the appraiser, I just reported the prior damage but did not put in a claim.

I also found the appraiser, Cy. K, a large male, to be belligerent. At times I also found the adjuster, Dolores ** to be belligerent as well. I don't remember this happening before. In the past few years there has been a change in ownership where AIG Hawaii was purchased by Farmers Insurance. Makes you wonder.

I checked with the Insurance Commissioner of the State of Hawaii. I was told that there is no law or rule saying that insurance companies should not pay the full cost of repairing new damage due to prior damage to a car. I was told they just choose to do that. I bet they do. I was told that AAA car insurance Hawaii has fewer complaints per customer than Farmers does. AAA told me they will try to recover the deductible from the other party if they are at fault.

I wish that Farmers was like that. It seems to be that they could have already recovered all the money for this claim from the other driver and her insurance company but they made other choices. Honoring this claim could have cost them nothing more than their administrative costs, but they seem to be in a denial mode.

My husband was in a car accident with a customer of Farmers insurance on 11/4/11. My vehicle was totaled and inoperable. Farmers' customers did not exchange insurance information with my husband at time of accident. Cypress police department was on scene and filed a police report. It took them 1 month to complete the report in order for us to get other parties insurance information.

In the meantime, our 94 Mazda had been towed for it being inoperable by the city of Garden Grove on 11/29/11. I believe Farmers should be responsible for tow fees and the loss of my vehicle not one or the other. They inspected my vehicle on 12/23/11 and at that time, I informed them of a $120 fee for it to be completely released to them in which I was not going to pay and they were responsible for. I am not coming out of pocket for a totaled vehicle but was willing to sign over documents at the police department. I haven't heard from them since then and on Jan 5, 2012, a letter was dated and not received until 1/9/12, yesterday, saying they would pay storage fees to tow yard up until 12/27/11 yet it is still there so they need to pay until they figure it out.

Jonathan has not been easy to deal with yelling at me, telling me that basically the worth of my vehicle and the storage fees are the same and I will receive nothing. In the meantime for 2 months, we have been without a vehicle, inconvenienced. What a hardship this has been on my life. While nothing has happened in a way to get my life back to the way it was before this happened. This is absolutely ridiculous and time consuming to find a solution to the situation.

My oldest son had two accidents within a year, and my insurance company dropped him, and suggested we move on. My husband and I, have had auto insurance for 15 years, and never had a claim nor a traffic violation. We were told that the decision was based on our teenaged son being at fault in an accident in January of 2010, and a second one in December of that same year.

The second accident was not even filed by other driver for two weeks, and the estimate of damage was stated at $1,000.00, which is what it had to be, to be considered a file-able claim. We were devastated at the thought of searching for a new company with our second son turning 16 at same time. A local Farmers insurance agent was so nice and eager to help. They suggested all 4 drivers in our home be listed on separate policies. It sounded odd to me, but they assured us it was the cheapest.

Both boys had liability only, and full coverage on mine, and my husband's cars. Few days later, I got a pack on each policy stating we had to sign a statement that we would not drive each others cars. I couldn't even drive my son's car. Then our cards came in and stated total restriction on each car that nobody, but stated person was covered to drive the autos.

I was not happy at this point, especially when multiple forms had to be signed, for all these restrictions, and was told, my minor son had to sign his own forms. I really was convinced that I had made a mistake. This was confirmed when my account was double billed on two of the policies the following month, and the rates were way higher than quoted due to "adjustments".

I started searching for a new company, and after a couple of months, decided, for the time being, I would move all autos, except my son's, with the accidents on his record. It is much cheaper with new company. Farmers continued to draft my bank account, a month after I contacted them about canceling, so I called again, and was told they have to have a letter from my new carrier showing coverage, and until then i would keep being billed.

I went to my bank and had them restricted from automatic drafts and canceled the one policy I had left there, and put that car on my new carrier. A few weeks later, I got a call stating I owed them almost $1,000.00, unless I showed proof of when my new coverage started, so I did, and didn't hear from them until several months later, when I received a threatening collection letter, just like my 16 year old son did.

The letter states they will begin calling both our work places, and others, until the matter is resolved, plus they claim to be backed by the state, and will proceed with collection, if not paid. I am so angry that they would dare hold my minor son accountable, and threaten to report him to the credit bureau. This surely isn't legal. I would appreciate any advice.

My son's car was hit by a person who had Farmers insurance. The car was damaged and towed to an auto repair shop on November 5. Today is November 14. Farmers has yet sent out a claims adjuster to view my son's car. The shop cannot order or repair the car until the adjuster submits his paperwork. Farmer says "maybe" they can have a claims adjuster out next week.

Are you kidding me? I don't have Farmers insurance but I'll tell you what. I never heard of an insurance company taking so long. To boot, my son has been without a rental car since the wreck. Farmers says, "Keep your receipts and talk to your adjuster to see if you can be reimbursed." My son is in the military relying on friends to get around. He can't afford to go get a rental car on his budget.

Today, after I called pissed off, my son is getting a rental car after 9 days of the wreck. Still waiting for a claims adjuster after 9 days. Farmers **! They are very unprofessional and slow. It should not take this long to handle a claim. My son should be reimbursed for a rental car since the day of the wreck, which is 9 days now. It's unbelievable! Don't use Farmers if you are shopping for an insurance company. We live in Northern CA.

After being caught overcharging me 40% for automobile insurance, Farmers is now threatening me with collection to pay a policy cancellation penalty for cancelling my policy prior to the anniversary.

All my tow truck fleet is insured through them. We moved one truck to another company and then back later. When it was moved back, they did not fully cover this truck as it always was along with the rest of the fleet. It was totaled and only had liability. An agent admitted the mistake and took responsibility, but then billed me $1835.00 in one withdrawal.

My truck was not making money for more than two months. I never got enough money to fix it right. Then, Farmers tried to deduct the prorated amount of their mistake of $1835.00. When I called and told them that I would find another company, I was told to leave! They still want their money for their mistake.

My husband and I have had more headaches with Farmers. We have insurance with them for at least fifteen years. My husband and I took the driver's class to bring down our insurance which they didn't accept. They also draw off my husband's bank account and was charged a fee of five dollars for that.

Over fifty, my husband and I have good driving records and we were treated badly. They were rude when we asked information about our policy. They called me a liar and said that we could find another agency. It doesn't matter how long you are with them.

On November 9, 2010, I was hit by a man who was insured by Farmers Insurance. It was his fault and Farmers Insurance accepted the fault. They paid for the car repair and offered me 1000 dollars for pain and suffering. I delayed accepting the offer as I wanted to pursue some physical therapy for my injured knee and I wanted to make sure I had all doctor visits finished before I settled so Farmers would cover them.

About two months ago, I signed the contract they sent me and agreed to the settlement of $1000. I sent it in and I kept a copy. Melissa **, Farmers representative, sent me a letter back saying I had waited too long and she would only offer me $500. The contract said I had as much time as I needed to agree to the amount and there was no time limit. I have not called Melissa since I received the new offer as she has been hostile with me in the past.

Do I have any options legally? Thank you.

At the beginning of 2011, I switched my insurance company from Farmers to State Farm. On February 14, 2011, I received a refund check from Farmers "because your insurance policy was canceled at your request", which made me think that the process of transition is over.

Four months later, on June 3, 2011, I got another letter from my former agent J Halstead Associates, INC, in which Farmers requested that we "pay for the coverage provided on your vehicle during the time it was enforce" at $71.14. In the same letter, they wrote, "If you had insurance coverage with another insurance company for the same time period, you may not owe this additional premium. Please provide us with a copy of any document from your new company showing the date coverage was in effect. Forward these documents with a copy to your agent."

On June 26, 2011, I sent to J Halstead Associates, INC. a copy from our insurance with State Farm, which clearly shows that both vehicles are insured with State Farm starting February 14, 2011.

On July 6, 2011, I got a letter from a credit collection services (CCS) that I owe Farmers Insurance $71.14. After disputing the validity of the debt on August 2, 2011, I got another letter from CCS that Farmers withdrew their claim and that the case is closed.

I have farmers insurance on a car I bought 3 months ago. It was fine for the first 2 months and this month I am having problems with Mr. Rios for going into my bank account and automatically taking out (which I have not given Mr. Rios any permission to do) Now I have a bank account in the negative amount with 2 insuffucient funds of $64.00 I gave Mr. Rios my credit # (of another card) on 7/13/2010 and he was suppose to send me a confirmation # regarding the payment. I emailed Mr. Rios on 7/14/2010 and cannot get hime to call me back. Is this a scamm??

My Lexus was hit by a kid insured by Farmers. Farmers at first wanted me to use their body shop, but we wanted to use a different body shop because it is a certified Lexus shop. Farmers then took 10 days to send an adjuster to evaluate the damage. Then they took 5 days to send us an estimate and a check. Our body shop says the estimate is low and there is internal damage. Farmers has delayed speaking with the body shop for 5 more days now. They suddenly switched claims agents so the body shop has to start over with a new person. The new person has not promptly returned calls to body shop. The accident happened on May 28 and it is now June 22. The car has been in the shop for 7 days. Nothing is happening.

Farmers is paying for a rental car, but I want my car repaired. I am losing out on the privilege of driving my own car. Farmers has a reputation for delaying claims and underestimating damages. I want to publicize their lack of responsibility as an insurance company. I am simply tired of Farmers playing games with my repair which is a trivial bumper damage claim. There is no reason to delay my repair like this.

I filed a claim on the 18th of May 2011. The adjuster and a private forensic investigator completed their reports weeks ago. I can not get Farmers to offer a settlement or fix the vehicle. I am at a loss as to what to do. Any help in this matter will be greatly appreciated. Thank you in advance. I am left without my best running vehicle. I don't have a vehicle that can tow my boat. I am unable to perform side-jobs to supplement my income.

I have had Insurance with Farmers for over 30 years and have not filed a claim for about 10+ years. I was in a little fender bender in a parking lot at work and backed up into someone. So of course, I filed it on my insurance (since that is what I have it for). Well 7 months later, I get my bill and it went up $50 a month.

So I called and they told me it was because of a claim I had in Oct. 2010. I was like, "What claim?" They told me they had to pay out $1,400 for the little fender bender I had. I was like, "You are kidding me. I have paid you over $16,000 in the last 10 years without filing anything and I file one claim for $1,400 and you are going to charge me $50.00 more to my current $130 a month?" What the heck is up with that?

What are we paying insurance for if we can't file a claim? This makes me so mad. I will be switching Insurance companies and will spread the word to all my family and friend to not use Farmers Insurance.

I know its a little too long and a little too late, in 2000 I was rear ended on a highway in the Portland Oregon area. I had to make a left turn and the highway speed was 55 miles per hour. The lady who rear ended me was covered by farmers insurance, I won't say the nationality of the people who rear ended her, they were illegally here and had no insurance. There was no way the lady covered by farmers could have stopped because she was following the person in front of her too close. He swerved out of the way and she ran right into me, shoved my car at least a hundred feet and completely spun me around.

I filled out the accident report exactly as I just explained here. Farmers insurance found a loop hole, they blamed the accident on the car behind her and I got nothing. My car was towed off of the highway and the next day it cost me over three hundred dollars to get it out of the impound yard. I was put out of work for two weeks because I had whiplash so bad I couldn't work. Why do they continue to still be in business, I don't understand. It is now 2011 and every time I think about it, I still get so mad, don't ever use farmers!

I was involved in an auto accident on 10/27/10 in Santa Rosa CA. Farmers Insurance claimed that I was at fault 100%. I have disputed that. I requested that Farmers allow me to review the evidence files they have in their possession in order defend myself. Farmers has refused my request. I asked them to provide a copy of the California Insurance code or California Code of regulations that permit them to do so. They are non-compliant.

I currently have a complaint filed with the California Department of Insurance. My question is, does Farmers have the legal right to prevent me from seeing investigative files if I was involved in an accident?

In Aug. 2009, my auto and home owners insurance through Farmers lapsed without my knowing it. I tried to contact Irene about it and failed. I then bought insurance from State Farm in Sept. 2009. Next, Ted and Ollie ****** took over her agency. In May 2010, I got a collection notice for an unpaid premium owed to Farmers. I contacted Irene and was referred to the ****** who took my policy information and said they would make sure this problem was taken care of as I do not and did not owe Farmers anything. I got a notice from Credit Collection Services of Newton, MA that I owe Farmers $139.23, which I do not owe. This has now impacted my credit.

Stop this collection action immediately or I will take this to the Oregon Attorney General, state insurance board, BBB and take other appropriate action to stop this wrongful collection issue. This was caused by Irene's failure to cancel my policies, to communicate with me in a timely fashion in 2009 about my policies and whether I wanted to keep them, and to advise me that she was leaving Farmers. At no time did I ever receive a bill, phone call, email or correspondence from Aug. 2009 to May 2010 for an unpaid premium. I am furious that this matter lingers without being resolved to my satisfaction and that my credit is being affected. Please advise immediately.

Farmers is doing to me what they do to everyone, low ball an offer, then use high pressure tactics to force you to accept the offer. A Farmers Insured driver ran a stop sign and hit me. I told the first three Farmers reps I talked to that I needed transportation as my husband had been life flighted to a hospital 100 miles away. None of the reps provided a rental for me as is required by Montana law. The rental costs $119/day, Farmers will only pay $25.

Farmers adjuster did not inspect the damage to my vehicle. He said they don't have to fix it then made a joke about a bicycle being unpleasant with the weather turning cold. My vehicle is a 1991 but only has 63,000 miles on it. Farmers decided to total it instead of repair it to save themselves some money. The repairs needed are a headlight grill and fender on the passenger side. Farmers offered me $2400 for my vehicle. I cannot buy a replacement with 63,000 miles on it for $2400. I refused their offer. They refused to raise their offer. They have tried for over a month to get me to accept their low ball offer. I have refused every time. I told them to either find a replacement or repair mine.

As part of their high pressure tactics, they hired an auto auction company to pick up my vehicle. I have had to fend off this company eight times in the past three weeks and explain to them that Farmers does not own my vehicle and they can not come pick it up. Farmers refuses to pay for damage to my vehicle. Farmers refuses to provide a rental. Farmers is trying to take my vehicle so I will be forced into accepting their offer of 20% of actual costs. I have filed a complaint with the Montana Insurance commission and still cannot get Farmers to provide the service they were paid to provide.

I was rear ended by a car insured by Esurance. The body damage was paid ;the transmission went out in the vehicle. I contacted Esurance; they said they were not going to cover transmission. I contacted Farmer's (my insurance company) and was told what steps to take. Farmer's arranged for a rental car and extended the rental car coverage. After a month, Farmer's decided they were not going to pay for the rental car. My own insurance cost me $800 for a claim I filed with them.

On October 10, 2010 in Phoenix, Arizona, a very violent storm passed through. About 10:30AM, it began to hail, the size of which was about the size of the tip of one's little finger, and continued to hail long enough to completely cover the ground before it stopped. The sky cleared for the most part of the rest of the day. Around 5:30PM, the storm returned with a vengeance and once again began to hail. This time, the hail was from marble-sized to almost the size of a golf ball. The wife had just pulled up into the driveway when the storm hit. She was driving our 1998 Nissan Pathfinder. The storm hit with such furry that she remained in the car and covered herself with the sunscreen that almost everyone in this part of the US carries in their car.

The next morning, I inspected the car to find that the car had sustained hail damage on the roof, right side and the hood. The right tail light lens, the left head light and the driver's side outside rear view mirror had been broken. I called my insurance agent, Gary **, of Farmers Insurance Phoenix, Arizona, with whom we have had cars, a motorcycle and motor home insured with for right at 19 years. Other than one stolen car, 18 or 19 years ago and two window shield claims over a period of 8 or 10 years, we had not filed any claims. Within a week of sustaining damage from the storm, an adjuster came to our home and inspected the damage. I had yet taken the vehicle to anyone for repair estimates. Upon completing his inspection, he announced to me that he believed the car to be a total loss even though there was nothing mechanically damaged or wrong with it. All damage was cosmetic. A week later, every aspect of this claim started to spiral out of control.

Farmers has determined that the cost to repair the hail damage to be over $6000.00, the value of the Pathfinder to be $4762.00 with sales tax and DMV fees. The value increased to $5218.61. My policy deduction is $500.00, which brings the cash value of the vehicle to $4718.61. I was told that I could buy back my own car for the salvage price of $1425.00. Today, October 26, 2010, Farmers has determined that it will not pay the $4718.61 so that I can buy necessary parts to repair the car myself, pay an auto body shop to remove the majority of the hail dents and have it painted at the shop of the guy that used to paint any car for $49.95. I didn't ask for $4718.61 to fix my own car, I asked for $3303.02 or 66% of what they deemed the value of the car to be. Farmers flatly refused to pay anything on this claim unless the vehicle is paid as a total loss, that if I wanted to keep the car, I can buy it back from them for $1425.00, the same price they claim to have a guaranteed salvage bid for.

Kathy ** of Farmers Insurance came across like she was the owner of the car and that it was going to salvage, it would not be repaired by anyone for any amount, that or the claim would be dropped. The Farmers Insurance adjuster Daniel ** reported on the Vehicle Condition Component Report that 4 out of 12 components to be dealer ready, one of which is the exterior sheet metal with note stating No Dents, Hail Damage, and 7 of the remaining 8 components as Normal Wear. The final component, paint, the clear coat on the driver's side was listed as Major Wear noted as Clear Coming Off Vehicle. For which he deducted $155.00.

Looking up the vehicle in question at the Kelly Blue Book website, I input all the particulars of the car. Kelly Blue Book determined that my Pathfinder is in excellent condition, the market value was over $6100.00. I realized that my car is not within the KBB definition of excellent, but my policy covers $1000.00 of custom equipment of which there is $1378.46 on my car. This endorsement was completely overlooked by Farmers. When questioned about it, Farmers replied "send us the receipts and we will look them over". Look them over. My aching backside. You can see them in the pictures they took. They simply decided it was in their interest to not mention them and hope I had not read all of my endorsements to my policy or I'd forget about them.

Not only has Farmers attempted to low balled me on the value of the car, they are also attempting to high ball me on the salvage value. Reviewing the documentation received from Farmers, I noticed that only 10 out of 17 upgrades on the car that were reported found their way into the Vehicle Allowances sheet. The 10 items shown in the Vehicle Allowances section total $819.00. Items that cost $158.00 to replace such as one power mirror showed a valued of $9.00 for the two that are on the car. Custom wheels that cost $136.00 each shows a value of $48.00 for all four. The list goes on and on as does other discrepancies throughout the report. If you need insurance, I recommend looking to other companies of it. I can guarantee that before the middle of November, a 19-year long relationship will be ended.

This is about unfair premium increase. I have been a Farmers customer for years. I never have filed a claim. I am going through a divorce and moved to a new apartment. In order to receive my mailings, I contacted my agent (Katie ** for Roy Beard), and requested renter's insurance quotes and submitted my new address. The quotes I was given were very high, so I decided not to get the renter's insurance. That same week, I received a bill for $103.92 at my old address. The reason for this charge, I was told, is because now I have a single account and not a combined account (cars/home insurance), and even though I have already paid my bill in full through next January, I suddenly have to pay extra. In addition, they are not using my new address, but still mailing my bills to the old address. I also wanted to keep my new address confidential from my husband. My bill was already paid in full. I have not filed any claims. Is this some type of retaliatory tactic for not having bought the renter's insurance? Is it a penalty for going through a divorce? I feel that this additional premium charge is unfair.

In June, I took my auto policy to a Farmers agent as he gave a lower quote. I asked for the same coverage as my current policy which I brought with me. In two months, my premium has increased $27 per month and will go up again next month. The agent removed my medical/PIP without telling me and sent me a letter telling me "since I failed to sign a waiver" (no one asked me to sign a waiver) my payment would increase. After the state insurance department contacted him, I receive a voice mail from the agent. I choose automatic bank withdrawal for payment so I would not receive a bill, but am being charged each month for billing. When I went online at the Farmers website to opt out of the monthly statement my policy number does not match their records. I told the state I wanted a refund.

I was rear-ended by one of Farmers Insurance clients. She was not paying attention as she came off the freeway off-ramp and hit me going about 30 mph while I was at a stop. She jumped out of her car on the phone and I assumed she was talking on her cell when she hit me. We were at an intersection with a major street and freeway off-ramp so I told her to pull into a parking lot so we would not get hit by other drivers at rush hour.

The damage to my car was fairly minor because she hit me directly on the tow package which took the entire impact. I had a headache within a few minutes but wasn't ready for being immobile the next morning. I went to the ER and had x-rays done with no broken bones but was sent for MRI a few days later. The MRI shows 3 budging disks in my neck and upper back area. I got one month physical therapy and was told they would not authorize more medical treatment. I am in pain and in need of additional treatment so I can work.

The adjustor offered me $3100 for medical bills which are closer to $9000 and my own insurance company expects to be reimbursed for what they have paid out which is $5000, so not only will I owe $1900 more in medical bills, I will not get any additional treatment. At least the adjustor said, "I can't stop you from getting more treatment but I won't authorize it", meaning they won't pay for it.

I don't know how those people sleep at night. Do I have to sue my own insurance company and let them go after Farmers for the claim? Any advice would be helpful. I still need treatment but can't afford to run up my bills, I only have major medical insurance and it does not cover physical therapy, office visits or chiropractic. Help!

Around June 25th I called Ana to ask her a question about my car insurance. I asked if there was a possibility that she could give me a 3 days extension for them to take the money out of my bank. They take it every first of the month electronic. The reason I asked her I was that I'm not sure if they did that I did not have the money at that time, so that I would not get a over draft on my account. I asked her if I could get an extension at least for 3 days so by the 3rd I would have the money in the bank. Ana said she is not sure but she will try. Then I asked her how would I know. She said she would call me later that afternoon. So a waited and she did not call. So I called her 2 hours later and asked what happened. Then she said that should I send them a letter saying if they could. I have not had a respond yet, so she said she would call me the next day. I asked her a respond from who? She said from Bristol, the insurance I am getting from them. Okay I said.

So the next day she called and said, "Dalila, it's a little late to do this but I am going to advice you to barrow money and to deposit the money before 4 o'clock that same day." I asked why. She said that because that way they won't stop your payment and because she had to send the paper. I was okay, so I just want to know if I can get an extension. She was like, "I don't know, just barrow money." This insurance doesn't work. Thins out with anybody. I was all like okay all do that because Ana was not answering my question. So just for me not to get all confused, I just barrow money. So I did what she told me and deposited the money before 4 pm. So I gave her a call back letting her know that I did deposit the money already. She said, "Okay, Dalila, you should be fine."

Then after the first I called her to see if everything went well, she said that everything went good. Perfect, I was good. Okay. Then on July 30th, I called Ana again to ask her if everything was good with my electronic payment. This lady Avelina answered the phone. Ana was not there at work but she offer to help. Okay. I asked her the question about my electronic payments. She said, "I will put you back; there is no problem. You should be fine." So she did okay and she said, "There, you're back on." I said, "I did not even know that I was off the system." She said, "Well, not all the way; but your okay now there is no problem." So I said, "So it's okay to put my money in the bank like I usually do?" She said, "Yep, keep doing what you do." "Okay," I said. So I went to the bank and did my deposit for my car insurance.

On this date, August 25th, I got a phone call from Ana saying your payment did not go through. I asked why. She said because of me wanting to stop my payment. I said, "Ana, I never asked you to stop the payment; so I don't understand." She said, "Well remember I told you I had to send a paper and you said yeah for an extension, right?" She sais, "Well, for me to do that I needed to stop the payment and get you off the electronic payments." So I asked her why did she say to deposit the money before 4 pm. She said to hold on and let her call them. So that's when everything sounded weird to me. Then she says, "Well, you have late fees; you're not on the system." So I told her, "Wait a minute, you told me everything went well; then I made sure I called again and then Avelina said, You're okay, I put you back on the system.'

So I don't understand why now I have so many late fees." She said, "Dalila, you are acting crazy just for this mistake. I am sorry I am just doing my job." So I said, "Excuse me? Well, I thought you told me everything was good? So now things are bad and you are calling me crazy? That's not professional at all." She said, "Well, are you gonna pay it?" I said, "I want to talk to your supervisor." Well I did talk to the owner Shawn. She understood me and then she was ignoring the lack of customer service from Ana and she said I can not tell her how to manage her business. I said I never said that. The only thing that is not right is that she doesn't have their employers explain details of what can happen.

Why did they have to wait till now and tell me that everything its okay and then they say no and now everything is bad? Then she's calling me crazy. She was not helpful. She just said sorry that's how they work. I know we rare good and work with good intentions, so I really got upset and did not understand why would I now pay late fees when I called and made sure my payments where going through.

I'll get paid and I only have enough for my bills. I am a single mom and don't like to be late on my payments. I do my part as a customer to have the money and call to see of everything is good and perfect. It is not my responsibility of their mistakes; it just messes things up for me with my other bills. It's not fair that I get puled over to get a ticket then that's another problem for Ana's mistake.

On 03/21/99, Mr **'s car drove into mine and he admitted fault. Both of us were carrying Farmers Auto Insurance. My car repair cost was $3750, even when Farmers low-balled the mechanic into using parts not from Toyota factory. They haggled with me for 3 weeks to accept after-market parts, even though I expressed concern about the safety bar in the front bumper.

2-3 days after the accident, Mr. EJ **came to see me at home to pressure me to accept $1000 as full settlement. He deemed my case is simple enough. But I was in such pain that I could not sleep at nights nor change pants. I decided to seek medical treatment and retain a lawyer. However, Farmers low-balled my lawyer's claim and refused to talk to him. In the end, my lawyer gave up and quit, leaving me on my own. My medical bill alone was $3850.

But, EJ opined that the large part of treatment was invalid, and only $800 worth was valid. His offer was $2103, with $800 to the doctor. He kept sending settlement letters to me to pressure me to sign. He refused to talk to me nor send me any documents to support his decision.

$2103 is not enough to cover my medical bill. It seems that treating my body is cheaper than repairing my car! Also, EJ's opinion on what treatment is valid seems to insult the professionalism of my doctor whom I trusted to heal me of my pain. My family and I are highly depressed and stressed by this ordeal. I need your help to settle. I try not to go to court as I am a simple ordinary citizen of USA.

In April 2009, Farmers Insurance client's daughter drove her vehicle insured under his policy. She parked the vehicle in a remote lot for employees in the Texas Medical Center. It was around noon time when her vehicle caught fire while parked. The fire resulted in total loss on three vehicles including the owner vehicle. The other (3) vehicles had moderate damages. My vehicle was one of the vehicles with moderate damage that I repaired out of pocket. The other two persons did also. My insurance company cancelled my full coverage without my knowledge and was no help.

On June 19, my granddaughter was stopped behind a school-bus in her new Chrysler PT Cruiser. She had two friends and her two year old son in the vehicle. A pickup truck came through a red light and slammed into the back of her car. That vehicle was insured by Farmers Insurance Group. The driver readily admitted his fault to the police that arrived soon. The PT cruiser was crushed forward and all occupants were slammed into anything in front of them. My granddaughter had her foot on the brake and her vehicle did not lurch forward into the bus which was unloading children.

After several months of delays, excuses and rudeness; I advised my granddaughter to find an attorney to assist the three occupants. She did this, however, it did not help as nearly twelve months passed by and the attorney quit the case in early January 2010. My daughter took over in January 2010 and tried to coordinate the final settlement. She became so frustrated with the assigned claims agent that she asked for his supervisor. That did not help as this supervisor immediately started complaining that doctors always ran up the bills because it was an insurance claim.

As the time neared the "statute of limitations" I attempted to act as an advocate by communicating with the CEO of Farmers Insurance Group starting April 22, 2010. I heard back a couple weeks later from Mr. Z (apparently a senior manager with Farmers Exchange) with a new set of excuses but no action. We continued to communicate by mail until the time ran out in June 2010. After that Mr. Z turned to email communication. Basically the problem was that Farmers did not even pay enough to cover the occupant's medical bills.

I tried to reach someone, anyone, and the only person I was able to reach was a very nice complaint lady named Valerie. All I wanted was to say that I could not reach my agent and wished to handle my business online. Farmers, however, required that I go through my agent who was unavailable. I have time requirements and schedules to meet. I do not consider 2:30 pm CDT (this date) to be unreasonable.

And I have no debt to this agent who is extraordinary and do not understand Farmer's position. I may well change insurer after 40 years with Farmers.

I hold a Farmer insurance policy and had an accident on May 5, 2010. On that day, I was too tired to drive, so I ask may brother Duc ** to drive for me. However, he can't stop on time, so he hit the car in front of him. I reported it to Farmer insurance on the next day. After that, Farmer told me that Duc ** is not on the policy, so Farmer is not covered. However, I did not signed any form about restricted endorsements, the signature is not my hand writing. Please help me out.

I was hit by one of your JR (insured) while she was talking on the phone. I was injured very seriously and I am still in need of spinal surgery (C4-5-6-7-8) and have TMJ from the whiplash. I can not get the surgery because I do not have health insurance since I am self-employed and it has been costing me $1,200 a month for minimal insurance, so I had to drop it. So now I am being held hostage by Farmers and in horrible pain to the point that I have to get Demerol shots. You are cruel and very dangerous people to get insurance from. I can not work or can do my normal activities. I have my own attorney.

Worst insurance company ever has to be Farmers Insurance Group and their incompetent staff. I was in an accident with one of their cell phone using individuals that had to be on her phone instead of paying attention to the road on 3/30/2010, her fault of course. Here it is 6 weeks later and my 13-year old son and I are still waiting for these fools to repay all the money we are out for medical expenses, car rental fees and not to mention, the damage she did to my vehicle and the pain she has caused me to be in since that day with my back. Not to mention, Farmer's Insurance told me I had to put up a $50.00 deposit on the rental car and then when I returned the car, they immediately took out the money out of my bank account.

I thank God I do not have to stoop so low to ever have to go with these worthless, lazy people. Heads up warning to anyone that is insured with Farmers, you need to find a company that has people that care about their clients because these fools don't. I'm sure that there is a special place for these people when their time comes. I can't imagine having to live with myself if I treated people the way they do. Sad excuse for a company. I have mailed them by replying to their emails, but continue to get emails from Mr. Kevin saying that he hasn't heard from me in 3 weeks. Thankfully, I save all emails like this.

They failed to properly explain my deductible. They offered extremely poor customer service. The policy was written in a way making the insurance practically worthless. They do not care at all about their customers. Do not use this agency or farmers, go elsewhere. In short, the policy I have been paying for is useless.

I was hit by tow truck company insured by Farmers and was given these people on Help Point for help. (What a joke!) I really don't expect a response because these people don't return calls or ever respond to help me at all ever! This is my 2nd online complaint and no response. About 12 (I count them) phone calls with response of no help. Further action will have to be made on my part as it very clear the company does not care whatsoever.

If they would have acted like a company who was a Help Point service, this could have been avoided. But it seems this is the way they all do business. How do they get away with it is what scares me. But let me say if in any way I can cause them the problems and hardship they have caused me with their ** ** attitude, then I will seek legal help. They leave me no choice. I'm not a number, I'm a person. I'd say thanks but they've not earned that sort of respect.

A tow truck from T&G Towing hit my Jeep making an illegal left turn 25 feet from an intersection. He stopped traffic in the right lane, then he stopped traffic in the left lane then turned into my left turn lane and was right in my lane when we hit! No one is doing anything about it! And it was totally his fault! My passenger was a witness and I have photos of where it took place, clearly showing that he was making an illegal turn!

I asked my car insurance agent to cancel my insurance on December 5th. He cancelled my insurance as of December 5th. I began my new insurance with Esurance on January 5th. My Farmers agent representative informed me that I had to pay $400+ to them for the month I didn't have insurance which would include a reinstatement fee with total of $400.00. Now I have debt collectors calling. I spoke with an attorney who told me this is illegal. I cancelled. They are saying that because I didn't have insurance, even though I cancelled, they are still responsible for me. I now have debt collectors calling me repeatedly. I am concerned about my credit. I had to seek legal consult and now have to consider legal action without financial ability to do so.

I closed my account with Farmers on December 2008. On March 13, 2010 I received a cancellation notice on an auto I gave away as a gift in November 2005.Farmers was notified of this. Farmers stated this auto policy was being cancelled off Feb, 22, 2010 &and a report to the credit bureau was made for having an auto uninsured for a long period. Complaint: Car was given away November 2005. Farmers notified. No longer a member of Farmers since December 2008. A call to the HQ in Oregon on March 13, 2010 was of no help other than to be insulted. This may lower credit score and may affect rating with current insurance company.

Farmers Insurance representative (Mark **) contacted plaintiff to record an initial message regarding an auto accident which occurred 01/24/10 2 pm in Speedway Gas Station Parking Lot 02/04/10 involving plaintiff and a Farmer's Insurance defendant. The plaintiff informed him that camera video surveillance was available from the gas station. The representative made a follow up call to the plaintiff approximately 9 days later indicating that he had spoken to the defendant and had requested that the defendant get the tape from Speedway.

A week later, the plaintiff's fiancee contacted the Farmers rep for follow up and was told it was taking too long to get the tape so they were sending a photographer to take pictures of the damage, and that they would make their determination off the photos. A message was left on the plaintiff's fiancee's cell phone indicating that the representative decided that since M. North's car had more damage, that I must have been the one at fault! The fiancee contacted the rep on 03/01/10 and demanded the tape of the accident be acquired. The rep. followed up with a call to the fiancee indicating he (the Farmer's Representative) made the first and only call to Speedway to collect the evidence on 03/01/10.

Speedway indicated they would have gladly turned over the tape of the incident; however, they only hold video surveillance for three weeks and since the accident had occurred on the 24th of January, the tape was no longer available! The plaintiff questioned why the representative had not contacted the gas station when alerted to the event. The representative indicated that the plaintiff had not contacted him about the accident for over three weeks since the accident occurred. We contacted our insurance company (Safeco) the day of the accident!

Since the Farmer's representative was very adamant about making sure that the plaintiff was aware that the calls between the parties were being recorded, there should be no problem whatsoever in retrieving them as evidence.

On Dec.19 I was hit head-on by Timothy **. My wife had to be transported by EMS. The officer told me to go on, he would have my report by 12-23. He knew Mr. **. I asked for driver's info. The officer said, "I'll have it for you by the 23rd. So I went to the hospital to be with my wife. On 12-28-09, I got my accident report. Why can a police officer lie to me, but if I tell him he's one, I get arrested. I don't understand. So on 12-28, I contact Farmers on the police report. The lady said she would file my claim right away if I would send her a copy of report, so I did.

She said someone would contact me in 24 hrs. There was no contact. If she would have said, she need to talk to Mr. ** first, I would have filed myself. On Dec. 30, I called Cookeville office. The lady said she had to talk to Mr. ** first so she said she would file. I asked for phone number to report myself. She wouldn't give the number. Later that day Pam ** called and said she got hold of Mr. ** and he told her he wasn't going to file, it wasn't his fault. So finally on 1-4-2010, the adjuster looks at the truck. The whole time, I had nothing to drive, no rental car, nothing.

So on 1-13, Pam ** comes to my house, takes what info I had. She said to call when doctors release so on Feb. 8 the doctor release's me. I call Pam and she sets appointment for 2-17 to pick up rest of bill's. Well, it was a no show; there were no calls, nothing. Why aren't these people held accountable for their lies? So far, all I've got are lies and **. So how can Farmers get by with treating people this way? I don't want to hire a lawyer because I never have had a fair shake from one. They get more of the sediment than I would so I feel helpless.

Insurance company refuses to pay for repairs to vehicle damaged by their client. They have chosen to total the vehicle. Although they claim to use Blue Book value, the listing on Edmunds lists my vehicle (1987 Cadillac Coupe Deville) between $1500 and $3000. Repair would be in same area. I was offered $650 and would need to give up the title to my vehicle. It would be impossible to replace this vehicle for a comparable vehicle for the price offered, but the insurance company refused to negotiate.

My insurance kept going higher and higher all the time. When I placed one of the vehicles on liability only, the cost still went up. This is when I decided to cancel my policy with them. Farmers makes you pay two months in advance. Farmers had taken $341.00 out of my checking for the monthly payment, I canceled two days later on January 7th.

My insurance was paid for until February 19th. They would only refund $108.00. The letter they sent me says, "Terms for cancellation are set forth under the general condition section of your policy," that they can keep 10% of the annual term premium for costs created by the unscheduled cancellation. So why can insurance companies keep raising our premiums as high as they want when we are supposedly in a contract with them for the term of the policy? I really do not think the insurance companies should be able to keep $277.00 for costs on a cancellation. I think if the government is going to force us to have coverage, they should pay more attention to what the insurance companies are doing and quit letting them steal from us. It's a major headache for having to come up with the money to pay other bills since I am not receiving all the money I paid back.

I have been handling an auto accident claim for my aunt who is 93. She was severely injured and took several months to recuperate. Sh has since been inundated with bills that could have been handled months ago if the adjuster and/or his supervisor had not been negligent. I have done all follow up with requests for pertinent bills and information with little assistance from Farmers. This is repeated ignoring of my calls and no returned calls until I finally would manage to catch a supervisor to find out what was needed and then I would pursue it. The accident was on Jan 17th of 09 and they took full responsibility immediately. The wait for closure has put undue and lingering stress on an innocent elderly individual. I believe the reason to be so is to run out the time for her to file suit which strikes me as unethical if not criminal. Where can I get help with this? Time is up in a couple of days.

After 15 years with Farmers Auto Insurance and continual raising rates I cancelled my insurance. I am owed refunds on my three vecicles. I cancelled on November 10 2009. I have called numerous times was told that my refund was cut on November 24th. I never received the refunds I called again and was told sometime they send them directly to the agent but they did not have it. I waited I called again then was told oh yeah somthing was there she would go through the mail and forward if there to me.. I waited again called again was never told they actually had my refunds but they had hired a high school student to mail things out and he had put the wrong postage on things and things were being returned to them she thinks they were in there but was not sure. I am calling again tomorrow this is no small amount of money as they owe me atleast three months per vechicle.

I'm fortunate enough to be borrowing my boyfriend's car as I would not be able to get to work, and it's a major inconvenience to my boyfriend to be without his car. It's putting me in a awkward situation especially when I pay $1,440.00 a year for 1 car. I think they could have giving me a car a lot sooner than this.

2) I asked them to add my husband to the policy when I moved to Seattle. A year goes by and I have a relative visiting from Europe. I call them to ask about the policy on international driver's referring to the policy number which should have both my husband and I on it. They said they only had me as a driver- I asked, "so my husband is nowhere in this policy?" Yep, for a year and a half he was driving the car and his name wasn't on the policy. Go Farmers!!!

3) We finally came to a point where we wanted to cancel. I called about cancellation and this said this is for you and Justin right? who the hell is Justin because my husbands name sure as hell isn't Justin. Guess what?! They had it as Justin all this time. His name is Jack. Justin from Jack?! How in the hell. One can only imagine what they were on. Farmers agents are completely INEPT AND INDOLENT.

a) my husband emailed them with his name on several occassions- wouldn't they have though- gee, who is Jack? It's listed as Justin here. Nope, guess that didn't raise any red flags with them -DOH!

b) We scanned and sent them our licenses - shouldn't that have the correct spelling on it?!

I would rather each **** and die than ever have to go with them again. If life meant no insurance or Farmers I'd DEFINITELY PICK no insurance.

My 17 year old son was stopped at a light and a Farmers insured vehicle cut the one behind him off. Both ended up slamming into the rear of my son's vehicle. After much screaming about my son driving what may be an unsafe vehicle, Farmers finally got an adjuster out. 8 DAYS LATER. Vehicle is totatled. Farmers didn't tell us this their adjuster did. A week later I had to call them to get this information actually from THEM. Now they are trying to nail the vehilce she cut off for a portion of the liability (meaning Farmers pays less) and still two weeks later my son still has no answers. He has already been found not at any fault, yet he is the one who suffers. He's only able to afford the very basic insurance (130.00 am month for liability and uninsured) and has no means of replacing the car and no alternate means of transportation. Now they are telling me it will be another week until the other insurance company can call them back regarding the fault issue.

I was hit by a car while I was riding my bicycle. The car is insured by Farmers insurance. I helped the adjusters, Mara Golden, in order to get my bike fixed. In the end she is saying it was my fault and she will only pay %20 for my bike repairs. My bicycle is my only means of transportation and now I have to wait for this small claims case. Is there anything that can be done about this.

My wife was involved in a car accident. She was at fault. Farmers determined that the car was a total loss. One full week after the accident, they called with the settlement amount. It was extremely off base. We did our homework prior to the offer to determine what the same car in our area was selling for. So when they called, we had some knowledge as to what the settlement should be. Our car should be around $9,950 before tax, title and license. They offered us $7,700 total. The way they came up with this number is that they found the ones in the Portland/Vancouver area coming in around $10K so they found vehicles 150 to 300 miles away in completely different markets for less so they based their numbers off that. They also took the price of these comparable car (in other markets) and deducted things from the listed price to make them worth less.

With their offer I am unable to buy another car that is even close to what I had. I live in the Portland/Vancouver area and they are pulling number from different markets up to 300 miles away. Spokane and Seattle have a completely different cost of living and pricing. I do not live near those cities. In the market in which I live, it will cost me around $9,995 to go buy the exact same car that was totaled. The adjuster, Trasen, was also extremely rude and nasty on the phone. Horrible person to work with. We have been with Farmers for the last eight half years. My car is a 2001 Honda Accord EX Coupe four-cl, excellent condition both inside and out. Flawless. These cars do not stay on the lots long because they get 32 miles to the gallon and they run forever if taken care of. Very nice car.

What can we do? Who can help us? We need another car but need the money from Farmers to do so. We have not signed or accepted anything yet. Please let us know if you can help. We are unable to replace our car with one comparable. We are a one vehicle family and this seems like a hopeless situation. We are borrowing a car from a friend but will not have it much longer and we will then not have a car. I use my car for work and I need a dependable vehicle that I can travel in and not worry about it breaking down.

Farmers client drove a car hit two students in high school parking lot from their behind, the students suffered a lot of pain and their family paid out a lot for the car accident. However, Farmer just offers medical bill and general damage. They ignored our family loss (parents wage loss for this accident) and child mental and future loss. Their adjuster just consider their evaluation and ignore the factor and our loss. I am very disappoint with Farmers and their adjuster.

total loss is over $22,000 currently. they just compensate 1/3.5 for medical and general damage. I just mention most of you to seriously consider the company when choose a ins company. Farmers is one of worst company on compensation.

Back in january of this year, I requested a change of our deductable on our new 40' motor coach. This was done on line at their website. After hearing nothing for a week or so, I called and spoke to the assistant. Shortly after, I did receive and e-mail that my request was taken care of and would be processed as of the date Jan. 22. Weeks went by and every time I checked my account on line, it was never adjusted. So, again I called and got my agent Greg Layne. Oh....I'll check it out and call you back. This was now Feb. 17th.

One more week goes by, another phone call. Oh...he'll call you when he gets in the office. I waited until the end of the day, and called THEM back AGAIN.
Oh...he's been in and has left already.

HELLO....talk about lack of customer service. Mind you, we have 4 policies with these folks, and have paid on time for over 12 years!

Well, the good news is, I checked into Geigo Insurance. Funny, my yearly premium for JUST the motor coach, with better coverage went from $ 2,546.00 down to $1,126 a year!!!!! Over all I am saving approx. $1,600.00 and let me tell you, Geigo NEVER seems to have a problem taking my calls. I think Farmers are rip off artists, buyers beware. Farmers needs to review their agents and make sure they know what customer service is really all about!

I was involved in an accident on August 21, 2007. I was not at fault. I have documentation from my doctor showing my release date back to work, in addition I have documentation from my employer showing my wage loss. I was out of work from August 22, 2007 through September 17, 2007. Farmers Insurance only want to reimburse me for two weeks of lost wages. Farmers has stated, Based on the nature of the loss, your injuries sustained and the course/scope of your employment; we have determined that the remaining days of lost wages will not be reimbursed. Since when did Farmers become qualified to over-ride my physicians diagnosis as to my condition? This accident was very traumatic not only physically but emotionally to me.

I had just bought a brand new 2006 Ford Explorer Eddie Bauer in November 2006. My vehicle received $11,569.82 worth of damage. The frame on my vehicle was damaged as well. I had over $3000.00 worth of medical bills just to one doctor. I was not trying to get reimbursed for any of my prescriptions or copayments to my PCP. I just want what is fair. Their client was totally responsible for all injuries to me and destruction of my vehicle. In turn the loss wages, medical bills and restoration of my vehicle is her responsibility and her insurer. I have provided this company with everything they have asked for and have a lot of time and effort into getting this all accomplished. This has cause more stress in my life than any one person should receive.

Have been a loyal and exemplary Farmer's customer for 20+ years--only had 1 minor auto claim in the 90s but otherwise a spotless record, always pay auto/home/life premiums on time, etc, etc. Additionally, I am a highly educated and reasonably affluent individual and cognizant of my rights as a consumer. To briefly summate: Last few years my rates have been jacked up SUBSTANTIALLY and without any explanation. So much for the Ultra Preferred status as a long-time customer.

This was the catalyst for me to look into other companies and in the course of my cursory Google research, I was freaked out to find a plethora of NEGATIVE REVIEWS from current/former Farmer's customers ranging from dubious billing practices to blatant denial of claims. I am beyond ****** off at a company that I have been loyal to for over 2 decades--it is customers like me that make their profits possible.

So, I have opted to go with a local company with far better ethics and ratings. I urge anyone reading this to please just Google such terms (with farmers for each) with Pre-Matic denial of claims and billing practices and fee increases. You will be stunned and outraged. FURTHER: go to your State's Office of the Insurance Commissioner and review the past years Complaints' ratios and in the case of WA State, you will find that Farmer's BY FAR has the MOST COMPLAINTS than any other insurance company. Thank you for reading.

We recently began receiving more bills and today (1/15/09) received an explanation from our agent that it was because our preferred status discount was removed because of my wife's accident in Dec 2007. They had full knowledge of this accident at the time they wrote the ploicy and were dishonest in quoting an amount in order to get our business. I was shopping several companies and the agent knew this and I feel they gave an artificially low quote to get our business.

Today 1/15/09 we received a notice from the agent stating that the reason the policy had gone up was the removal of the preferred discount due to my wifes' accident in Dec 2007. I also received a notice from a company saying the amount had been referred to a collections agency. I feel this has caused damage to our excellent credit rating. It also caused us the inconvenience of changing insurance carriers.

I took out a Motorcycle policy about the middle of May, 2008 and was told by the local agent that I could cancel it in 6 months if i didn't ride the bike during the winter, which I don't. I paid for half of the policy (as well as a new membership fee of $15.00 which I am sure was extremely nessesary). I called the agent in late October and the owners wife said she would cancel it November 1st. About the middle of November I got a notice from Farmers that the policy was going to be cancelled for non payment soon. I went to see the agent. The owner of the agency said his wife had passed away and that the policy had not been cancelled because of this.

Farmers wanted to charge be about an additional $80.00 which in their policy they have it written that if you cancel a 1 year policy you have to pay 50% of the remaining balance. So since in my case I had paid for half the policy, they wanted half of the other half. I complained to the agent who said that wasn't fair and litterally picked up the phone and called Farmers about this. He spent quite a while arguing my case. They sent a letter and again demanded the $80.00. I got sick of it and paid them. Filing a complaint with the Colorado Insurance Commission did me no good as they said they broke no law. I told them mayby not but since NOBODY gets to read their policy until after they have already paid, don't you think that is crooked?

Just a word of warning to anyone thinking about Farmers for motorcycle insuranece-look around for a company that has 6 month policioes and ask a lot of questions. Get everything in writting these insurance companies are related to snakes in my opinion.

I was laid off at the end of June in the Baltimore Office, we did not receive any severance pay, but the employees that were left in our office received severance pay when they were laid off this week. How can Farmers pick and choose who receives severance pay? It wasn't our fault that we were let go early, Severance pay was suppose to be effective January 1,2009, Farmers was adopting its parent company severance package. I worked for the Zurich organization for 35 years and this feels like a slap in the face, that the ones remaining deserved more than us. Please advise how a company can get away with this?

My son wrecked his truck on dec 17th 2008. On every statement I have, ins is paid a month in advance.. According to my policy, I pay from the 22nd of the month to the 21 of the next month. Like I paid 196.00 on dec 19th which paid me from Dec 22nd to Jan 21st 2009.

They have denied our claim saying it was cancled. yet when we paid nov it was for nov 22nd to dec 21st....please explain this to me.

One when I paid the Ins bill on the 19th of Dec. they took my money which paid me from dec 22nd to jan 21st. yet there saying my ins cancled on the 17th of dec. To me, instead of paying for a month in advance, I am only paying for 3 wks of ins. Not a full 30 days. I have never recived refunds and until now I have never had any issues with farmers. As long as I dont have any accidents from 17th to the 22nd. I am ok, But they are stealing from me, they do not refund the extra week where they cancle. I have paid for 30 days not 3 weeks, Is this legal. My son was in the Marines for 4 years, and drove a 22,000 dollar truck....now its sitting totaled, his first accident and they have denied the claim due to it being in cancelation status...they are stealing my money.

My son wrecked his truck on dec 17th 2008. On every statement I have, ins is paid a month in advance.. According to my policy, I pay from the 22nd of the month to the 21 of the next month. Like I paid 196.00 on dec 19th which paid me from Dec 22nd to Jan 21st 2009.

One when I paid the Ins bill on the 19th of Dec. they took my money which paid me from dec 22nd to jan 21st. yet there saying my ins cancled on the 17th of dec. To me, instead of paying for a month in advance, I am only paying for 3 wks of ins. Not a full 30 days. I have never recived refunds and until now I have never had any issues with farmers. As long as I dont have any accidents from 17th to the 22nd. I am ok, But they are stealing from me, they do not refund the extra week where they cancle. I have paid for 30 days not 3 weeks, Is this legal. My son was in the Marines for 4 years, and drove a 22,000 dollar truck....now its sitting totaled, his first accident and they have denied the claim due to it being in cancelation status...they are stealing my money. They took my payment for Dec 22nd to Jan 21 of 2008, yet i have never recived any refund.....from dec 17th to dec 22nd and get charged a late fee every month im late but never go over the 22nd. How can they cancle your ins before your 30 days you have paid for are up...This is insaine

I have switched my insurance company to Geico and I sent a letter to Farmers Insurance of cancelling my account( Month of May). But they kept trying to bill me and the collector agency is attempting to bill me. The collector agency advised me to send them proof of me switching auto insurance during month of May, I called Geico and they sent them proof of me being insured during the month of May. Although documents was sent they still continued calling me.

This could hurt my credit score.

Farmers Insurance customer rear ended my daughter and we had medical bills galore they(farmers) would not pay for it. We took them to small claims and WON they appealed and again We won FARMERS LOST!!!!! It has been over a year and and half and we still have not seen any money from Farmers or Farmers attorney's nor the man who rear ended her.

Our credit, my daughter and myself, has been thrashed as no bills have been paid due to this rear end accident.

Car accident Farmers client drove car hit my child on school park lot.

Farmers client drove a car hit two students in high school parking lot from their behind, the students suffered a lot of pain and their family paid out a lot for the car accident. However, Farmer just offers medical bill and general damage. They ignored our family loss and child mental and future loss. Please help me how to file a complaint or sue this company.

1. Medical expense: the medical bill, almost $3000 (Farmer insurance will offer $3000).

2. Pain and suffering: A car hit my child from behind and throw him 1-2 m in the ground in 2006. A bodily injury had occurred (bleeding, School and Policeman asked an emergency Ambulance. The blood pressure is over 140, leg shaking etc). Several days even weeks felt pain on his leg, back, waist and arms. (Farmer Insurance will compensate general damage $ 2000)

3. Mental anguish: After car accident, my child often fright to walk, go to school, driving car, out of home, noise; Anxiety in learning, studying, sleeping, body pain; Nervousness in the school, learning, tests and quiz; Worry on walking, driving, car, out of home and learning driving; Embarrassment on activity, school ground, contact classmates and communication; Scared of car, individual activity. Did not sleep well, and cant focus on study, hard to learn driving due to nervousness and worry, these might affect work and study in future. There is obviously mental loss and will affect his future for learning, work and life (Farmer Insurance dont compensate this).

4. Medical surveillance: Did X-ray and other in hospital, which might result in harmful effects in future due to the car accident (Farmer do not compensate this).

5. Ride cost: The Car accident resulting in him fright to walk and go to school. Parents have to stop our business and work to drop him off to school and pick him up from school (cost $5/time or $10/day, we try to ask someone to do this, but no-body like to do this with this price, the cost is around $5000 based on 200 school day/per year for 3 years. This loss is over $5000) (Farmer Insurance do not offer a dime for this)

6. Tutor cost: Due to car accident, he cant focus on listen and learning in the school, his grade dropped, Parents have to ask tutors for his school course on Chemistry, Math, and English etc, (a total cost over $5000), but his grade did not recover to original level too (this loss is $5000) (farmer Insurance do not offer any compensation for this).

7. Grade dropping: Due to car accident effect, he fright to learn honor course, he have to select low level and easy courses for him (before selected honor course), but his score still did not improve, some grade are C or GPA drop from 3.5 to 3.0. (lost his future and good college, the loss is over several hundred thousand dollars, we will evaluate the loss due to the accident resulting in, after he finish high school if you agree to set-up the case later), please help me to estimate the loss?(Farmer do not offer any for this)

8. Family Anxiety: Since Dec 2006, I wrote and called to you ask to change representative, but nobody response to this and followed up this claim until April 2008. You dont care about the case and our feeling, and let our family feel anxiety. I try to find if there is discrimination in this case because former representative told me that you just gave a medical compensation and didnt follow up the case although he promised to follow up once for one month, it lets our family always worry about lose the compensation, and scared to bring him to hospital for further check due to worry about you do not approve.(Farmer dont care this)

9. Parents loss: For caring and taking him to hospital, his father took two-three days off, the loss should be $300-500/day, total $ 800-1000, his mother took more than week off (stop her business), the loss should be $700-1000 based on her business and not including other lose due to car accident resulting in (this loss is around $2000), (Farmer do not compensate any for this)

10. Future loss: In future loss including affecting his work, looking for job, losing good college etc ????( Farmer doesnt care this)

11. Disfigurement: Sacred to learn driving and drive, resulting in hard to find job, or a lot of other lose (Farmer doesnt care this).

12. For physical recovery inspection, Farmer doesnt guarantee to compensate Farmer only like to offer total $5000-5700 for the car accident, they did not consider any family and kid future loss. How I can do this to protect my child. Any suggestions and helps will be appreciate

I am totally disgusted with Farmers ....Easy Pay system. I pay my auto/home insurance "IN FULL" annually via my credit card. For some reason, Farmers allocates it on a monthly basis. I do not get the allocation amounts sent to me. I cancelled my policy the end of Aug.......two of my policies renew in October and they said I had no refund coming. After I called and complained............they sent me a check for .24. You have to be kidding.

Their EasyPay System is a joke. I never received an annual renewal invoice.....only a threat to cancel my policies if I didn't pay. I hate this company and would not recommend the to anyone..............EVER!

I am making this complaint due to the outrage, and time spent with Farmers Insurance Agent Thomas M. His lack of business ethics is dispicable. We paid our insurance bill via internet. We confirmed that our payment has been received the following day. Shortly after we receive a notice saying our policy has been cancelled due to a return of check. Surprised to hear because we did not pay by check. We then spoke with numerous representatives, and supervisors each telling us to call a different number and explain our case to someone else. This getting us nowhere and going in circles.

After having spoken with our agent and confirming that we will cancel our insurance policy. Then receive another bill from farmers insurance. We call the agent and asked why we received that bill, and he said that the insurance had to be extended because it was not cancelled. We kept fighting and debating over this issue. This was a total waste of time because they would not understand. Finally he tells us that we have to send a letter stating that we have to cancel our policy for it to be cancelled. Like I stated we had to speak to numerous agents and were finally forced to pay so that our credit was not ruined. We are sickened by the ethics of this company.

Had to pay for the mistakes of that agent.

On Aug 15, 2008, my car was struck in the parking lot of my job. I immediately called Farmers Help Point and gave my side of things. The person at the other end of the line insisted that I get the other driver's personal and professional insurance. However the other driver didn't speak english. He had friends with him telling him not to give me the info. It finally took a police officer to get his ID and insurance info.

Farmers did set up a tow truck and rental, and did let me send my car to a farmers approved body shop. That's where the problems begin. It took almost two weeks to fix the car. Mr rental car was taken back in half that time. Further more, because my rental car was taken back too soon, I missed medical appointments, I just plain didn't have a way to get things done waiting for my car.

Due to financial hardships I wasn't, and still can't make my deductable. It was either pay the deductable or miss a house my payment. When I brought this to the attention of an adjuster, not the one named here, she told me that I was responsible for the deductable. I called the body shop, I even e-mailed the head of the body shop and pleaded my case. I was given two weeks to pay and $40 a day storage there after. When someone else offered to pay the deductable, the body shop wouldn't take the payment if it wasn't from me. It had to be cash or cashier's check. I did get a call from Michelle stating that they found the other party at fault and would be pursuing litigation. I asked if my deductable would be paid, but I was told the same thing.

I don't have a way to get around. I can't pursue employment. Not to mention the two weeks is almost up and the $40 a day begins. I have medical issues to tend to and without a car, which is fixed and waiting, and I can't attended to them. Michelle hasn't returned my recent calls. I don't know what to do. I feel like my car and life have been put on hold. I'm lost.

Re: auto policy negligence and mishandling. Aside from many other details, the main point is that I requested in writing and taped VM msg because I could get no one on the phone from my local agent's office, to cancel my policy effective 8/1/08. I did not receive a response to this request.

When I finally caught my agent in his office one week later, he confirmed to me the policy was cancelled. I requested this confirmation in writing. No response following our discussion. I follow up with him in writing email each day afterward, still no response. Finally after 5 days of requesting this information, I contacted the DM office and to my surprise, found out the policy had not been cancelled. And still no word on my refund amount (one of the issues) from being overcharged in my premiums.

To date, this policy remains in effect, in spite of my efforts to cancel and no information on issuance on the refund I am owed. thank you.

financial (overcharged and all the time spent chasing down someone to assist)

over charged by over two thousand dollars. if i hadn't caught would have gotten away with it. they said it was a computer glitch. it has been going on for several years. i want re-imbursed imediatley. several thousand dollars

I sent an inquiry to Farmers Insurance Group about a possible job opportunity. I have since changed my mind. I have sent numerous e-mails to have them stop sending me updated e-mails about employment. They all refer to a link regarding employment. Everytime I have used this link, there is nothing there. This has become a real problem because they send these e-mails EVERY day AND sometimes NUMEROUS times in one day!!! I can't get tyhem to stop sending these e-mails!!!!

The PHYSICAL damage is that I am so frustrated with Farmers because I can not get them to stop sending e-mails! I have send NUMEROUS e-mails asking them to stop. But I continue to get them EVERY day. Some times several in one day! I can't get them to stop!

I got a notice from credit collection service which is regarding from Farmers insurance company, because of early cancellation fee. I have used this company's insurance for 21 months. When I have canceled this insurance, this agency did not explain about early cancellation fee. She should explain about that.

This was my first contract of auto insurance in U.S. I had no idea about cancellation fee. So, I made a phonecall to my ex-agency, and she said that no other company would tell me about that. How can she say like that? I want them to revoke the cancellation fee.

The farmers want me to pay $68.57. This is really big money for an international student.

I will start by saying that in 2006-07 my car got trashed and the farmers insurance company denied my claims and other thing thats unspaekable. they declined my calls when i called them to ask about my insurance with my car.

I will suit them and take illegal actions against then.

I had a car accident on 06/10/08, I was not at fault, a car skid and crossed my lane sideways and I hit it on the side. I immediately filed a claim with Farmers Insurance, and they told me that an investigator would work on the case and contact me within the next business day. It has been 2 business days now and my investigator didn't call me nor do I have any informations about the process, progress or at least what to do. When I try to call his desk he seems to be on vacation.

I then called my agent that I had emailed with no answer, and she said that she could not reply within the minute (which respectable business does not reply to email within 1 and a half business day?), that she was with a client. She was pretty rough saying that she was at lunch, and since I had liability only my car was not covered (all I asked was to settle the claim and have other party's insurance talk with me, since they re at fault) and she would ask for a adjsutor to call me on my cell. I am still waiting for that call...

In the meantime my car (which is totalled) is at a body shop with storing fees increasing everyday, and nobody to tell me if it's need to be inspected before I get rid of it. If you ever consider Farmers Insurance please, look around somewhere else. They re very nice to sell you their services but if you ever have an accident (even now you re not at fault) they ll play dead, or rude if you try to resurrect them...

Increasing storing fees, increasing stress due to their lack of professionalism

After receiving a notice of non-renewal for our auto insurance policy and the option to continue service with Mid Century Insurance (another company of Farmers). This would be a much higher premium. We got our auto history report that they based this decision on. So we went shopping and the competitive premiums were high throughout. But in the course of research we found a more detailed report from ChoicePoint the company that store houses this information. It showed errors.

Farmers had written two accident reports that were not ours. It took a lot of communicating and when my husband went into the office to tell them to check their computer files the clerk said it wasn't showing these errors. Then he looked again and found them. So they acknowledged it was their mistake. They said it would be corrected and that a new reduced premium would be quoted. We have email stating the new amount. More time to communicate and process with ChoicePoint. After receiving a revised report it still shows one error with Farmers again claiming it is correct. These reports affect competitive insurance quotes. Until it is fully cleared up we can't get fair quotes from other companies to leave Farmers.

We were put into a stressful position of finding new insurance at hopefully an affordable rate due to Farmers' errors. Also money was automatically taken from our account at the highest adjusted premium rate due to these errors. The credit they finally issued does not add up to the correct premium the agent claimed we would be paying if we stayed with their company. It has taken business time away from both my husband and myself in dealing with the company for two months. And things still aren't fully resolved.

Purchased new 2009 Dodge Journey on May 15 for a total of $34,000. On May 27th the vehicle was taken by my 14 year old daughter during the night and wrecked. Contacted Farmers and it is now June 7 and nothing has been done. I, and family, must go out of town for two weeks and will not return until June 19. This is not right!

Vehicle totaled? I have had to get another vehicle in which to take the trip resulting in greater costs. Do now if vehicle is repairable? Unit too new for data base and parts must come from Chry.

My son was in a wreck another person hit him. The other person got the ticket .but every time we call they would not return our calls . So I went to ask Mr.C for help on what to do are if he would call said he didn't have time he was going to a game to pass out hats.that was on a Friday!

monday when I went back he was on his way out to play golf!! If you ask the Ladys in his office anything they say they are just there to collect money!!!It has been almost 3months and my son still doesn't have his truck back.The other insurance company name is Lindsay General and that don't return calls and they don't want to pay the BodyShop for the cost of the parts and rental car!!!!!!

Rear fender needs replaced,knocked out the drive shaft,Mess up his ream Blew out his tire,broke his suspension,rear light ,move the bed of his truck over,pipe and lots of other stuff

My son was in a wreck another person hit him. The other person got the ticket but every time we call they would not return our calls. So I went to ask Mr.Coon for help on what to do are if he would call said he didn't have time he was going to a game to pass out hats. that was on a Friday! monday when I went back he was on his way out to play golf! If you ask the Ladys in his office anything they say they are just there to collect money!

It has been almost 3 months and my son still doesn't have his truck back.The other insurance company name is Lindsay General and that don't return calls and they don't want to pay the BodyShop for the cost of the parts and rental car!

Rear fender needs replced, knocked out the drive shaft, Mess up his ream Blew out his tire, broke his suspension, rear light ,move the bed of his truck over, pipe and lots of other stuff

I was in a car accident on April 23rd, 2008. I was driving westbound on a two lane street (one for the westbound traffic and another one for the easbound traffic). The other driver was a distance away in front of me. She stopped along the curb and as I got closer she suddenly made an illegal u-turn in front of me. My car collided with hers and it spinned out of control and it finally stopped on the opposite lane. It seemed that I was driving eastbound.

I only had Liability Insurance. The other driver told me that she had 'full coverage' and admitted to me and to our insurance (we both have Farmers) that she made an illegal u-turn. She was not injured nor was I. She was able to driver away in her car. My car was towed. I no longer have a car and I have been renting one ever since.

I had a physical the evening of that same day. The physical was a joke, it took about five minutes. I didn't have any x-rays. Farmers is offering me minimal compensation. I can't buy another car with what they are offering me. Even though I had a 1993 Honda Civic, I at least had a car. I am also concerned about my physical well-being. I feel fine, except for a 'twitch' on my right shoulder. I'm afraid that something might physically come up in the future. I have not given them a statement since when I met with their adjuster she forgot her tape recorder. I welcome and would appreciate some advice. Thank you so much.

On 4/15/08 as I was exiting Buckhead apartment complex, a Ford F-150 backing out of a parking space struck my Toyota Corolla. At the scene officer Starling recorded an admission of guilt from the driver of the Ford F-150 which stated he could not see good because of dew on the rear window. Zachary was charged with a traffic violation of unsafe movement and the at fault vehicle. I filed a claim with Farmers Insurance Company on 4/15/08 with adjustor Laurie Scheibelhut. From the beginning Laurie Scheibelhut has been unprofessional, inaccessible, and uneager to assist me with my claim. In spite of overwhelming evidence to support my claim of being back into Farmers Insurance Company represented by Laurie Scheibelhut denied my claim based on her clients statement alone.

I have been given the run around for almost a month now with Laurie Scheiblhut and Farmers Insurance Company and all I want is my property repaired and to be treated fairly and justly. I feel that Farmers Insurance has not done this claim justice nor giving the investigation the attention necessary to come to a justifiable conclusion. Farmers Insurance Company has been unwilling to handle this claim with integrity and has been slow to come to even this bogus conclusion. Farmers Insurance has not lived up to their slogan its been weeks and I am still not back were I belong.

I feel Farmers has been dishonest and underhand in dealing with me. They have left me stranded with a damaged vehicle that was damaged due to no fault of my own. How is it possible for Farmers Insurance Company to treat me this way when I had the right of way and was backed into, have a police report supporting my position and a statement from their client to the reporting officer supporting my position? I am a public school teacher, tax payer and registered voter please help me!

- As a requirement of my job I must travel to several different schools each day. I have had to drive with a damaged and unsafe vehicle. -Rain (damaging my vehicle interior), Pollen (I have allergies) & insects have been getting in my car because the damages to my passenger side have not been repaired. -Upon hearing my claim was denied my husband and I have had to get extra work, sacrifice and save up inorder to pay the deductible of our personal insurance company. -Frustration and stress when dealing with the Farmers' Insurance adjustors accusations and disrespectful demeanor.

I have the proof and my Fire Bird recd' additional damage while in their shop! My Fire Bird is a 1971 Pontiac Formula 400 Classic. Both back fender (left and right) have a razor like scratch in both fenders. They are easy to spot since they weren't there before I took my Fire Bird to their shop. James the owner told me it would be expensive for the scratches to be repaired.

My wife has been struggling with back pain for 5 years and was recently in a car accident; a Wayne County snow plow hit her and dragged her 100 fit into a snow bank. Since the accident, her pain has become intolerable. She is now taking morphine to help the pain; although, it really doesn't help. She spends most of her days in bed with horrible pain. In addition, she also tore her meniscus in her knee along with fluid build up in her knee and hip.

We filed a claim and were seen by some insurance doctor who evaluated her for an entire 15 minutes. We were recently notified by Farmers that they would not cover her wage loss or medical bills because her back pain was pre-existing. How does some [one] determine this from 15 minutes of ridiculous questions? She has 5 years of medical reports and multiple doctors who say otherwise - that the accident DID worsen her back and also caused the tear in her knee and the fluid buildup in her knee and hip. This is completely disgusting and these insurance companies are THIEVES. This is America; people should not have to tolerate this kind of treatment, nor should corporations be allowed to Steal from people. The government allows this giant, multi-billion dollar SCAM to continue and it makes me SICK.

As a result of the accident and constant pain, my wife had to leave her job. I am now trying to support my wife and child on a single income and also have to pay ridiculous amounts of money for medical bills and prescriptions. Also, because my wife was forced to leave her job, we no longer get a discount on child care and owe an extra $1000 dollars. In addition, I have to take time off from a job where I make much of my money on commission. It sure will be tough to make commission when I am not at work. My wife is now having a spinal fusion on her back and most likely will be unable to work for sometime. THIS WHOLE THING MAKES ME WANT TO SNAP AND STRANGLE THE A-HOLES THAT ARE FARMERS INSURANCE. HOW CAN THEY POSSIBLY SAY THAT THE ACCIDENT DID NOT CAUSE THIS WHEN SHE HAS TO HAVE A FUKIN SPINAL FUSION????

I MOVED PUT IN A CHANGE OF ADDRESS, AND NEVER REC'D A BILL. I HAD AN ACCIDENT ON JAN. 11, 2008 THEY SAID MY INSURANCE EXPIRED ON DEC. 25, 2007 REFUSING TO COVER DAMAGES

NOW I AM IN DEBT FOR ALL THE DAMAGES

I am witting today in reference to an accident I had on April 11, 2008, in Richmond Virginia. I am insured by Farmers Insurance, for Auto and Home Insurance. My car was brought to Conner Brothers Body shop on Monday April 14, 2008. I stopped by the shop to pick up a few items and asked about the damage, I spoke with Steve, who told me they were very busy and had the most cars being worked on compared to other body shops. Also, that I was luck y to have an appointment the next morning due to a cancellation. I than made several phone calls on Tuesday, trying to find out more information and after the third call, spoke with Danny who sent me the report via a fax. I was told by Danny, that the car would be worked on starting on Monday April 21, 2008, I questioned the week later start date and again was told how busy they were and needed to order parts. The first set of papers I received the total was around $3,800.00, including a $500.00 deductible.

On Monday April 21,2008, I was contacted by Wade Hughes Farmers Insurance Adjuster around 3:30 PM. Mr. Hughes started the conversation, I need to ask you a few things about your car! How would you feel if I totaled your vehicle,Mr Hughes stated. The vehicle has motor mouth damage , and various other damage and I can see this vehicle coming back for more repairs, I wont feel comfortable fixing it. ( last statement not a quote, general statement) Stating, how hard the vehicle was hit on the drivers front. I stated that I agreed, that my brother said to me, if the insurance company would total the car, go for it. I also stated that I was not worried about the amount and had Gap Insurance! Mr Hughes said he needed to run this by his boss on Tuesday April 22, 2008 and I would hear from him first thing in the morning. I contacted Mr Hughes around 10:00 am on April 22,2008 and it was like speaking with a different person.

Mr Hughes, started the conversation with 'we are going to fix the vehicle! I was floored, how does car go from being totaled one day and fixable the next? I am very concerned about how the car will be when it is fixed and how safe the vehicle will be if ever the same. I did state to Mr Hughes, so your telling me this auto will be worth nothing after its fixed, Mr Hughes stated oh no it will be as good as new, we use OEM parts. I am extremely concerned that Mr Hughes supervisor is concerned with cost and not the safety or future ramifications of this auto!

I have filed a complaint with the Virginia State Insurance commission, they have told me they will investigate this matter completely. This letter will be part of my complaint statement used against Farmers Insurance. I would appreciate it, if someone from the corporate office could look into this matter as well and get in touch with me. Vehicle Information 2007 Kia Sportgage , 34 miles on car, Wade Hughes Farmers Insurance Adjuster 804272-8044 ext 353, cell 804683-3140 Connner Brothers Body shop 804-233-5446, 2807 Hull St, Richmond VA 23224

On Monday April 22, 2008 at 3:40 I was told My vechile was reccommended for being totaled. On Tuesday April 23, 2008 at 10 am I was told after a meeting with the adjusters boss the vechile will be fixed. I feel that it is a cost issue and not a saftey issue, that the supervior is basing this on.

It has been a year and a half and Farmer's has still not settled a claim for us. After a car accident, with other party at fault, they denied part of the damage coverage. In addition to body damage, our transmission was damaged due to our car being hit from behind when we were at a dead stop at a red light. Kyle Duncan said they were going to deny the claim on the internal damage unless otherwise proven by our mechanic. Our mechanic who specializes in European cars (of which ours is a mercedes) confirmed that the damage done to the transmission was a direct result of being hit from behind. We have a very detailed report from him.

After the fact, they sent out one of their ''neutral party'' experts to do yet another evaluation. (who has not returned my calls to this day!) Come to find out he has known Kyle Duncan's supervisor pretty well for years and they seem to be pretty tight. Of COURSE as we expected, he was sent out for us only to receive a denial of our claim once again. So, we requested that we hire another party to come out to investigate, being that we had a feeling their 'neutral' party was not very neutral at all. They agreed. His report matched up with our mechanics report and completely discredited the report written by the person that Farmers hired. There were TOO many falsities in their report. So, when we talked with Farmers, they had said that the 2 experts would have to get together to come to an agreement, and that if they couldn't, we would have to split the costs. In the end, the guy Farmers hired never called back the specialist We hired, and no agreement was ever arrived at. SO, we have tried to contact Farmers regarding this claim to no avail. They will not return our phone calls at all.

Our Mercedes is still not repaired after a year and a half of sitting in our driveway not running. We were forced to finance another vehicle, which has been a HUGE financial hardship on us. I'm sure there is close to $9,000 to $12,000 of damages on our car that have yet to be fixed.

The agent made several clerical mistakes, would not follow through on promises, got basic info wrong and did not return phone calls. Because of Paul's incompetency, my husband switched insurance companies on 8/27/07. Our new insurance agent made several phone calls to Paul to get him to cancel the insurance. Paul did not take care of it, despite promises to do so. Farmers billed us another $42.20 through 9/30/07, then sent it to a collection agency. I emailed Paul the info and he emailed me back that HE WOULD TAKE CARE OF IT and update me again the following day and the following week until we were confident it was fixed. I haven't heard from him since and we received a second notice from the collection agency for a time period that should not have been billed in the first place.

I am trying to explain the situation to a mean collector who refuses to listen and we are still getting billed for a time period that I refuse to pay on principle because we do not owe it.

We canceled our auto insurance with him on or before 9/20/07 because he had told us he was going to cancel us because my son was going to stay with us awhile. We told him that our son had his own insurance for his car and would not drive our cars. This was not good enough for the agent, so he sent us a cancelation notice. We told him we would have to get insurance elsewhere. This should have been the end of it, but now I get a collection notice from a service for $74.72. I called the Farmers Insurance agent to ask him to fix it, and he said he will not. I was paid up with Farmers until 10/3/07.

Now I have a bad mark on my credit from this. As my agent at the time, he needd to fix this. I did tell him I will turn him into you and sue him in small claims, and he said to do what ever--that he does not have to fix it.

On Aug. 14, 2007 my 14-yr-old son was hit by a man insured with Farmers. They interviewed him over the phone. Justin Ezel was assigned to look into the matter since their client was at fault. After calling his voicemail daily since end of August and having talked personally, no action has been taken to date. I gave him the number of the witness who was at the scene, too, but absolutely no action. Wrote to the Farmers insurance group, also, in vain.

Damages are as follows: 1) Eye glasses worth $300 2) Bicycle worth $800 3) Medical expense in getting him checked on accident day 4) His loss of confidence in riding the bike to school and my expense of gas in dropping him off daily now.

I switched to Farmers Insurance Co. for my auto insurance because they offered a cheaper rate than State Farm Ins. whom I had been with for 30 years.

When after 2 months Farmers raised my premium by $71.10 (I was paying monthly). They advised me this increase was due to the fact I did not provide them with proof of previous insurance (which I had). I then sent them another copy of my previous insurance card which included effective dates, vin number, my name, etc. At this point I cancelled the insurance and went back to State Farm. Farmers continued to send me a bill for the 71.10. I called them several times and finally had State Farm send them a letter to show I had prior insurance coverage.

They then turned the 71.10 over to a collection agency. I have excellent credit (or did have) and this really upset me. I was tired of trying to get them to stop billing me so I just paid the 71.10. I am very angry that this company can take money they are not due. I am not a wealthly person and I would really like to have my 71.10 refunded.

On May 2006, I was standing on the red light when all of the sadden I got hit from the behind by the United States Secret Service people. I been told that I need to go throw my insurance company to fix my car, and then the money will be given back to me, as the accident was not my fault at all. In December 2006 the letter came from Farmers Insurance to sign me up for another 6 months with them, that's what I did...I wrote a check to Farmers for almost $700 for the Insurance of my car till June 2007. Then all of a sudden, on January 12, 2007, I receive a letter from Farmers saying that my insurance went up because off the accident, as I was not insured in the car.

I was instructed by the Fraud Rep to delay cancellation of my homeowner's insurance with Farmers to allow time for an investigation. In the meantime, my mortgage company implemented a flood policy through their insurance department without verification of an Elevation Certificate. I feel very frustrated with this as I no longer trust my insurance agent and now feel leary of being taken advantage of by other insurance companies. As instructed, I continue to maintain my homeowners policy with Farmers.

Creditor says I still owe $4000.