Farmers Auto Insurance Reviews

I had to pay my insurance through the CORRECT account that was on their records and several days later Farmers is charging me again for twice the amount! I have been transferred to different "excellent, superior" customer care agents, supervisors but they expect me to do the runaround for them when they are the ones who made the MISTAKE in the first place!!! Now I'm out $200 which they will not return to me immediately and expect me to have official bank statements, account numbers, etc in order for them to REFUND MY MONEY!!! On top of that, they said for LEGAL REASONS, they cannot credit my account for the next month and half, but can issue a check after THEY REVIEW AND FEEL IT IS SUFFICIENT to issue a CHECK!

If anyone is thinking of going to Farmer's Insurance, re-think this again! I have been a customer and I thought this would be a good relationship but it is not!!! Their "excellent, superior" care agents, supervisors wrote an email response back to me indicating it's my fault when in fact they were able to place a timeline that places me in the ABSOLUTE RIGHT!!! They admitted the error but I'm the one who has to jump through hurdles to get my money back and make sure the documents I submit to them is SUFFICIENT for them to give me back my money!!! I hope others will learn my "MISTAKE!"

I have spent hours on the phone trying to get someone to correct this mistake. They updated the claim on their end, so that the claim money paid out my sister who's now driving around a brand new car, and I am still dealing with insurance/DMV back and forth. I haven't been able to cancel this agent/policy because this accident is showing up on my record and the rates have skyrocketed. I have been told by local agent she is "working with underwriters" to fix this. DMV can't do anything without insurance. I have called corporate and they just keep referring back to Sam **, the local district manager in my area, who has not once returned my call. I spoke to an associate in his office who was fairly helpful, once, but after 16 days of spending countless hours on the phone, nothing has been resolved.

Next, when my car got vandalized I called him and he was completely unprofessional on the phone. Basically, he laughed at my friend and I telling us, "It's not my problem" and then hung up the phone. So first, he was negligent when selling me insurance and failing to protect the customer with a good coverage, and secondly he was disrespectful over the phone in his demeanor. Sure I got upset too, but who wouldn't. Look at all these reviews here as it is pretty clear that Farmers only cares about their bottom line and treats their customers like trash. After being with Farmers for quite a few years I won't be staying with them. I'm an excellent driver and I'll take that excellence elsewhere, where at the very least I won't be disrespected on the phone by an incompetent and unprofessional agent.

I contacted the District Manager regarding this agent's lousy behavior and felt like he continued to play favorites by covering this agent. District Manager told me that this agent is an independent contractor and they haven't had complaints about him in the last 5 years. Really?!? So if he is an independent contractor and they haven't had any complaints it means that it is okay that he is unprofessional and negligent. It's like the District Manager doesn't even care about the disgusting behavior of this agent. I'm not buying into this! A complaint is a complaint and it does not matter if it is a first one. There is a first for everything. If anyone needs a copy of the email from the District Manager I will gladly provide it.

I also filed a complaint with California Insurance Commissioner. I talked to Alex in the claims department and he said there's nothing they can do because I signed a contract. Yes sure, I signed a contract in which the agent sold me a lousy policy that wouldn't do me any good in the long run simply because the agent did a lazy job from the start. So I guess I'm suppose to be paying for this incompetent agent's mistake. The agent's job is to advise clients about insurance coverages so that the client can choose what is the best option, this agent FAILED TO DO ANY OF THIS. And of course he will probably lie through his teeth claiming that he explained all the different policies. If he would I wouldn't be stuck with a $750 comprehensive deductible. I was under the impression that this was the last best choice, too bad I learned it the hard way that it isn't.

She sounded very upset and perplexed. She said. "Well my husband got in a motorcycle accident a while back and we never got anything out of it!!" Seriously! So we talked to her more and she said she talked to the Farmers guy and he kept asking about a police report. Weird. So he told her to not admit to it since it was our word against her's and there was no video proof or third party witness. I will never use Farmers insurance. Thought they were supposed to take care of people. Not look out for themselves while cheating people and insuring people like the lady that hit us.

The agent suggestion to me, "let's go ahead and submit it." If they reject it they will send it back to me. I paid a full year. $1279 at that time. Well in a few weeks I get a notice that my premium for my cars just doubled. I call the agent. He say "Sugar, don't worry you are paid up", because I ask him "what is this!!" "I paid the year. Don't worry you're ok." Couple weeks pass I get same notice. Pissed. Called again. (WITHOUT HESITATION HE SAID "DON'T WORRY IT'S OK!!" He didn't have time to even look what I was talking about either time.

Another couple weeks pass I get notice I am cancelled. I have no insurance on my cars for lack of payment. (I PAID IN FULL $1279 TO START WITH. In my life I had never been without car insurance nor in a accident with someone. Really angry I call the Broken Arrow Agent. He wasn't in. Didn't call back before I fax several pages what he did and he no longer had my business. Didn't hear from him. Waiting to get my refunds back for all my accounts. In process of me changing my business and being busy, time goes by. I called Farmers C. Service. They tell me they had reinstated me so fraudulently they used all the $1279 up. And the 6 months I had paid on my homeowners and rentals. In which I was cancelled by my notification to the agent and getting a notification from them, as well. Those were cancelled because I quit paying when they cancelled my cars, in my fax.

Farmers reinstated my home and all my rentals. Reinstated me without my knowledge. Used that portion of money that was left after I cancelled due to stupidity about my cars. Farmers continued insuring me after my 6 months payments, on Homeowners, in which is against their policy to give insurance without payment. Farmers let me know they had put me on a collection circuit. For mistakenly insuring me without money because I had cancelled months before. This is 6 or 9 months after I cancelled.

I finally got a letter in 2014 saying they dropped the collection agency. Really! They cost me $1279 because they cancelled me because I didn't report I had a incident (no ticket) backing up in neutral to a car sitting there with existing damage on the other side old car. I looked. No car was there. He said he honked 3 times, time enough to move I was in neutral. I did what the agent said. He submitted to see if they reject it because it would soon be expired the time they set.. He told me it was about to expire. No more was said. I don't say "oh sign this" to say 2 years ago you rolled back into a front panel of a car. Just look for yourself at all the bad things happen to folks, that pay good money only to get all the heart ache this company has created for them. Never to correct or admit any wrong doing. I LOST PROBABLY $1500 OR MORE. IF YOU HAVE MONEY YOU CAN BE A BULLY AND GET BY WITH IT.

I called Farmers, and there was nothing they could do to reverse the charge until I was in contact with my bank. Long story short, I received over 7 overdraft fees because of Farmers' mistake, and Farmers gave me the runaround asking me to send numerous documents to their accounting department to PROVE that I wasn't lying about the charges, after it was their mistake!! It's been over a month and I still have not received a refund. I've asked to speak with a manager, and every time I try contacting them, I have to speak to a new person who knows nothing about the situation. They have a lack of concern for my issues and could care less about the problems I've had. I would highly recommend not using this company if you're looking for personal and exceptional service...Farmers is far from that.

After that conversation, still no text. Then, a supervisor finally took over the case half an hour later, asked me the exact same information, and about half an hour after that, said she could get a tow truck in forty minutes, but it would cost more than double my coverage. Or, we could wait in the hot car for 4 hours for a driver who would be fully covered. Obviously we took option one. Finally the tow truck driver himself called (again asking for the same information) and arrived in 20 minutes and charged less than Helppoint had quoted. Thankfully, my passenger and I did not die of heatstroke while all this was happening, but I am dissatisfied to say the least.

I was in the process of changing Farmers agents because my agent had relocated out of town. Both agents felt I would not be found at fault, or at least the most would be 50-50. The Farmers adjuster (I believe he was in Arkansas or somewhere) wasn't the least bit interested in any information from the police officer. From the agent's statements, you could tell he couldn't even figure out the configuration of the parking lot. He was arrogant and condescending. He wasn't interested in a statement from the officer. The way he spoke to me, I think his decision was based on the fact that I was a female, senior citizen. He found that I was totally at fault!

I would NEVER recommend Farmers to anyone and have let all my friends know. I had been driving 58 years at the time of the accident. I had never had an at fault accident in my life and, being a single mother for many years, fully employed, etc., had driven many miles. I worked for a law enforcement agency and was told I could out-drive many of their officers. I have always been a very careful driver. The end is that my insurance was raised $200.00 a year. I took my 2 cars and house off of Farmers insurance and went with another agency. Because of my good record, the new agency, Progressive, didn't charge me more for this accident. I ended up paying them what my insurance cost had been before the accident. My advice to others, do NOT go with this company. Their adjusters are terrible, know-it-all and condescending. It may have turned out different if it had been male driver instead of me.

When the verdict came, they had every excuse in the book why they wouldn't cover me. Not that I expected to be covered but I expect better customer service. I thought that maybe 20+ years and multiple policies that that might mean something but I guess not. I will never ever pay a single dollar to Farmers insurance. Not saying another insurance would of covered me but I expected more since the policies were 40-50% higher than other quotes I've had over the years and a long relationship stating. The claim was small and was only a small portion of what I pay annually. So money was never the issue. Do not over pay with Farmers. Use Progressive, Nationwide, AAA, State Farm, ECT.

When they refused to give me the full reimbursement, my credit card company reimbursed me this amount. But Farmers continues to allege that I owe them $120.56. Even though I have sent them numerous letters and emails explaining their error and why I do not owe them anything, they continue to send me statements - and now I am even receiving COLLECTION NOTICES!! Farmers needs to CORRECT THEIR RECORDS and STOP HARASSING ME!!!!!

FIRST when I were there they giving me different price than what they told me. SECOND the cover were different in which way were worst (the cover were less and the premium were higher). THIRD after agree with price we sign the paper and the premium paper send home is $300 higher than what we already agree! My policy end on the 20 so I got no choice other than buy it but I can't believe they lie on the premium. Also THEY lied when they say the insurance company they work with is out of business because I just call them today and they say they were not! I REGRET BUYING FARMERS INSURANCE!

I told my situation to the Farmers Insurance claimer, and they ended up for giving me $764.33. They could give me less! Anyhow, I am just an international PhD student and I really cannot waste my time arguing with them or on court, so I accepted the money. But I am very unhappy about the way they deal with the customers and I wouldn't recommended my friends choose their service.

Upon looking at our latest tax bill, they have been taking care of it alright, through our "escrow account" of our mortgage company. We've been the ones that have been taking care of the penalties. We have our taxes and insurance payments, together with our mortgage payment, so there is an "escrow" account. So as we pay our monthly payment, a portion of the payment goes to this account, and is set aside for the taxes and insurance when they are due. According to our tax payment history, we have been late in all but 3 payments since we have had Farmers for our insurance. We have always asked why we kept getting a rate increase, since our driving histories hasn't changed and we have no points or accidents on our records. This is a "general rate increase to offset the increase of labor, parts and lawsuits".

Just recently (2/3/15), we added a second vehicle and our daughter, who is temporarily living with us. In order for her to get to work, she needed a car and insurance. The rate increase was 68.00 dollars a month. No problem, in fact we were very surprised! Then the barrage of letters and notifications started less than 5 days had passed since we were quoted a new rate. Then we were given a rate that was 500% more. We were told that our daughter had 5 tickets in the last 3 years and we could get AN EXACT COPY OF THE REPORT FROM LEXISNEXIS, with their "clue identification #". I called the LexisNexis company, gave the information I was told to include, and was told the report would be at our house in 7-10 days.

What came was a letter stating that the information requested could not be given, as they weren't able to identify me with the information given. I called the number they included and was told that I couldn't have the exact info, because their records were changed on a daily basis. I informed them that on their website and letter it states that an exact copy would be sent upon request. I also stated that the majority of the information contained within the letter that increased our policy amount was incorrect and asked how to get it corrected. I was informed that I could pay for a copy of the letter, with the Fair Credit Reporting Act and it wasn't their job to correct the information, but it was the insurance companies' responsibility. They were a seller of information, not a problem corrector.

The information they include is from several different companies. I verified that they sold information about people to Insurance companies, but didn't care about the accuracy of the information that they sent, or what the results of the incorrect information could be to people. When calling Farmers with this info, I was told that it WAS NOT their job to correct the information that they were sent. 3 of the 5 tickets that were said that my daughter obtained were not true, and can be proven. In fact one of the tickets was during a time when she was not even driving, nor did she have a vehicle. She was living with us and we only had one vehicle, which was being used by my significant other to get back and forth to work and to get me to my doctor appointments. From 11/14- 2/15, she did not have access to a vehicle, did not drive a vehicle, and was not even in the geographical areas of where the ticket was supposed to have been given!

It was up to LexisNexis, after this 3 day circle to nowhere, the issue just got worse. Our new policy was to begin 4/23/15. Yesterday an automatic deduction for 896.81 was removed from our account, one month early AND the amount to be paid, was now doubled. I have called and left 4 messages, and have not received 1 call from them. I can't believe what they are trying to get away with. In getting quotes to change ins. companies, I was told step by step instructions on how to get this corrected and the phone numbers of the agencies to call, and get it corrected immediately!

Just someone who was as angry as we were about the actions of this so-called "for the people, with their best interest at heart" insurance company. What a joke! But here is the information for all of you who want a agent with great job ethics and who seems to go way beyond that extra mile. Freeway insurance company; 619 299 4900. (I hope that this is okay with everyone that I added this here!).

I am now looking for other insurance but looking at all the companies on this list and they all have many negative issues. You pay for years and years and nothing just paying and paying and you have something minor and not only did they give me bad information they are likely to raise my rates. They are too high already. Something has to be done about this. How can they get away with telling you one amount for a claim and change it by $1300 more??? From what I see on this complaints we are all hardworking people just trying to make it all work. The insurance companies all seem to be in for the money and not the clients. I am so very disappointed and really fed up.

Now, I'm currently in an active claim that had happened on November 10, 2014. I was at a convenient store when my car was basically vandalized by a gentleman that wanted me to pay him to paint my car. The insurance adjuster, Lauren, had came out to look at the car on January 16,2015. She had said it was claimed as a total loss then proceeded to get an estimate for the car. She advised me that I would receive a call for a total amount within the next few days.

Then I get a call from Zachary, a total loss specialist on January 23. He said he had to do a recorded call on exactly what happened. So that was done. Then, I'm told that he is unsure of what is going to happen with the claim. That it's in investigations. I've tried contacting him many of times to figure out what is going on. I don't understand why Lauren tells me it will be a few day process then now its been 3 months. Just like my previous claim, which never was even done.

Back in October, I had called my agent and set up my payment with him, that was on October 5th. Then October 14th, I get a call from him saying that the payment hadn't processed correctly. So I had given him the correct card number and he told me everything is fine. Then on January 21st, I get pulled over and the officer stated that I had an insurance lapse. I was completely in denial because I was up to date with Farmers. Well, my car was towed and the officer took my tags. I spoke with Jason and he said he remembers exactly what had happened but my insurance had never canceled. So I went to the MVA and they told me that my lapse was from October 5,2014 until October 14,2014. I explained I was still with Farmers and told them about the payment that was processed wrong.

They said that I should not have had a lapse that fast and to get a FR-19 from Farmers. I call and speak to a gentleman named Rick in Direct Services Department. I explained everything to him. He was nice at first until he seen I'm no longer with Farmers. I told him it's because my car was towed so I had no need to pay for insurance until I get this situation fixed. He then got very mean and stated "I don't have to provide ** since you're no longer a customer!" He was yelling and cursing at me. I then asked him for his name and he said Rick, I asked for his last name. He stated "I do not have to tell you **!" So then I asked to speak to his supervisor and he refused to let me speak to anyone else. I couldn't believe the way he was yelling at me.

So now, I'm stuck without my vehicle on the road. I'm unable to go to work, I'm stuck with all of these fines which I don't think I should have to pay. The MVA had said I need to file a complaint due to all of the problems I'm having with Farmers. I have been paying a lot of money to be insured so that if any type of damage or accident happens, it should be covered. No one should have to go through all the things I have with their insurance. It's just not fair! I have to have transportation for work. Also for my daughter to go to school and I'm also pregnant and it's been too much stress for me to handle. I can't even make it to my doctor's appointments. Thank you for your time.

Car is out of control and she is asking where we want to take the car.... On telling nearest car repair shop, she took 10 minutes to find the nearest shop and again did not find the info that the shop is opened or closed since it was Sunday evening. I told, "Why don't you send the roadside assistance" and meanwhile we decide where to take the car. She did not agree and asked me harassing questions for more than an hour. Finally my husband hit the car against the curb/divider again and again and stopped it.

The roadside assistance came after 3 hours. It was just very horrible, very frustrating. They do not understand the situation... They understand only money taking and maybe wait till the car does meet an accident so they can put fault on drivers. Very horrible. We were so scared, afraid and frustrated that day.. Cannot tell. Never go with Farmers.

The second time is in 2012 when I hit bottom leftover bricks off my neighbor's fence located at 90-degree turning corner in the middle of the night, which had been knocked out by another neighbor. Farmers mistakenly paid her more than $6,800 when the cost is only less than $300. Farmers did not believe me and believed the fraudster's lies. I got 5 points on my driving record because of their mistake.

The first time was in 2007 when a young man from out of town cut in front of me at a cross, crashed my car, and injured me. The police told me that he was a student and could not afford my damages and injury. I listened to the police and did not claim from his insurance although it was obviously his fault. To my surprise, he claimed from my insurance. The more shocking is that Farmers gave him more than $6,800 without letting me know. I called and found out how incompetent my adjuster was -- he believed all the lies from the young man. I personally lost about $10,000 for my medical expenses and car damages. Farmers raised my premium and I got points on my driving record for the other party's fault. Whoever is there reading my complaint, I hope my bad experiences will stop you from choosing Farmers. My patience had reached limits and I cannot tolerate Farmers anymore.

Regard to the conversation over the phone with Farmers' underwriter, my policy has been cancelled by Farmers' due to non-payment because Farmers' insurance refunded the payment I made few days later, which I never expected.

Ridiculous saturation #1) Farmers' insurance refunded back to a credit card I haven't been used for a year. In other words, I used another credit card to make the payment. I didn't know it, until I check all my credit card accounts one by one today, however the person over phone would condemn me for not checking my credit card statement. If I had any accident during uncover period, who would be responsible for the cost?? I asked that question over the phone, it seem like they didn't care!

IF YOU WANT TO SIT BACK AND RELAX, DON'T USE FARMERS' AUTO INSURANCE.

Farmers Insurance found out the other car was not insured plus the driver did not own the car and was not related to the owner of the car. I gave my narrative to the police and they didn't make either of us at fault. When I gave my narrative to Farmers, they told me since I was making a left turn, I was the one at fault and since no witness was present to give their narrative of describing how the other car hit my car, I was screwed. They said the other driver honked (which she did not, she lied), was coming down at a safe distance in the turn lane (which also wasn't true - there were other entrances to places that people could have had an head on collision with her had they been turning into the left turn lane when she was driving down it), and that I hit her, which was physically impossible since my car was completely stationary.

This all of course was my word against hers, plus she had no insurance, so they decided to use my policy to pay for her fake injuries and the damage on the owner's car whose insurance had also lapsed. I also was not given my deductible because they made me over 50 percent at fault, so my car was not fixed 100 percent. It was degrading & disrespectful the way Farmers adjusters treated me, plus they made me fax them the police report because they couldn't get it themselves or were too lazy to retrieve it and their body shop estimate also took too long since it wasn't uploaded correctly. I highly recommend to never use Farmers Insurance ever!

My agent's office help is deplorable. First she gave the wrong policy info to my bank. I caught the mistake, and the information was corrected. Next Farmer's cancelled my home policy and it took many calls to straighten it out. Never did receive a written policy in the mail on the first policy. On the second policy, I did receive a written policy in the mail but it had so many errors it took over an hour with the insurance agent to correct them. This is when my insurance agent told me I could not get the same coverage amount I had on the first policy, and despite having 25K LESS coverage, my premium would increase by a few dollars. She said I could increase my coverage back to what it was originally but it would cost several hundred dollars more. This makes no sense. She told me on the phone I would receive a refund of $116 back. I got a check for $47.

Several more calls to Customer Support who could not tell me why I only got $47. They said I would have to ask my agent. I paid $1085 originally. New policy amount was $970. No matter what math you use, it does not add up to a $47 difference. My agent said that because I made so many changes, all I was going to get was $47. What??? I had to make the changes because SHE and her office made all the mistakes! Not only did I pay the $25 fee for the policy on the home, and $15 on the auto, I also had to pay $70 because they don't know how to do their jobs!?

I cancelled my Farmers insurance today and will never go with them again. I will tell anyone and everyone who will listen not to use Farmers. Rip off. Lies. Cheating. Ineptness. A company who will tell you to call your agent, and the agent will tell you to call Customer Service. The agent is Nancy ** in Hartselle AL. Her 'help' is Regina and Megan. I would be happy to explain in more detail the horrendous experience I have had with this office.

Also said if they didn't accept the policy they would sent it back to him. Nothing was said about increasing my policy or I would have went back to Hartford. They took all my money then and on my homeowners and rentals that was cancelled because of their screw up. They also keep all my money left on my 2 pay when they cancelled me because I didn't pay on that either. But worst of all after they cancelled me for that as well as me cancelling... without my knowledge, without any money down on the second 6 months, they went ahead and insured me without money down. They are trying to get me to pay that also. Sending it to collections I had insurance with them for about 10 year, no claims. I would NEVER TRUST THEIR AGENTS OR THEIR CO. I HAVE A PEOPLE BUSINESS AND WOULD DO AS TO THEM. BAD BUSINESS WOULDN'T TRUST THEM IF I HAD A CLAIM.

They claimed even though I had an email proving I had not only requested it be insured - but gave them Sq. Footage and details on its construction, that it was my responsibility to review my policy. I said okay. That brings me to another issue with Farmers - My agent has been asked in writing 5 times to correct my address as they had an old address - so I never received a copy of my policy - they said that was impossible as it was correct in their system. Here is the kicker - they issued me a check for some of the losses - guess where the check was mailed?? You guessed it - TO MY OLD ADDRESS!!

The idiot lady handling my claim does not return my emails and is impossible to talk to just like her boss was when I called to complain about her. All they want to discuss is their agenda and sidestep all of my concerns - THEY MAKE ME FEEL LIKE THEY ARE DOING ME A GREAT BIG FAVOR TO EVEN DEAL WITH MY LITTLE ISSUES!!

Customer Service is gone in this country. Professional courtesy is also gone! WHAT HAPPENED TO TAKING CARE OF THE CUSTOMER, YOU KNOW, THE ONES WHO RELIGIOUSLY MAKE THE INSURANCE PAYMENT EVERY SINGLE MONTH??? I have never sued anyone in my life but this warrants a lawsuit. I'm about to lose my business of their negligence and I sure wish I knew a good lawyer! This one would be a slam dunk. People at Farmers are complete idiots!!! And the worst part is they don't even care!!!!

I am flabbergasted that a company calling itself Farmers Insurance refuses to insure farm vehicles. For this company to brand itself as something that it clearly is not is an insult to the good name of farmers everywhere. Shame on you people. Please change your name immediately. If you have difficulty coming up with an alternative I have several suggestions for you.

When the six month period ended I found another company to insure me. When I informed the agent's office that I was canceling my account I was told that I should never done that. I was also yelled at for this but it wasn't too bad. I continued to have my home insured through him in spite of some serious misgivings. Last week he came into the restaurant and grabbed some silverware to eat his take out meals with. He was rude enough that customers in the restaurant commented about his nasty attitude. That made my mind up and I cancelled my homeowner's insurance with Farmers the following day with one of his associates.

He came into the restaurant about 15 minutes later. He started screaming at me about how rude I was and how much he had done for me in getting me car taken care of.. He scared me to death. There were customers in the restaurant at that time but it didn't seem to bother him. Then he went back and started screaming at my boss. He lied about my service to his employees, said I complained about tips and anything else he could think to lie about. He was trying to get me fired.

My boss told me that I should not have conducted insurance business while I was working. I told her that I had cancelled my auto insurance 4 months ago. Once she calmed down she realized what he was trying to accomplish by having a screaming temper tantrum in her restaurant. She is now cancelling her policy through Farmers.

On a final note, in the past I was a victim of domestic violence. It took me a long time to get over it. Now I start shaking before I leave for work. It also took 4 hours for me to settle down after this incident. I still start shaking whenever I see him. I should never have been treated in this manner and neither should anyone else. Why is a man like this even working with the public?

On 9/2, 2 weeks after the 30 day reporting requirement elapsed, my parked 2013 Prius was struck by a hit and run driver in front of my wife's store after hours. No one was in the car. I presented a property damage claim on 9/3 and was denied based on the contractual reporting requirement. Damage to the Prius was $5,706.86. My deductible is $1,000.00. My contention is that Farmers should pay for the damages minus my deductible. Based on the facts presented, it should be clear that I was not trying to avoid coverage on the new Prius as I continued making premium payments on all my cars including the 2010 Prius.

Farmers' conduct, in my opinion, is unconscionable and the company should be prevented from harming a long-time insured in good standing because of a minor mistake (inadvertence) which did not prejudice them in any way. This action is but another example of how these carriers take advantage of consumers, no matter how loyal, in order to avoid payment on a legitimate claim. This is the first time that I have been remiss in promptly reporting the purchase of a new car to may agent. But there were legitimate extenuating circumstances that were a distraction for a brief period and my premium payments were still being made, albeit on the 2010 instead of the 2013 Prius! I have filed a grievance with the California Insurance Department as well as the Better Business Bureau and will pursue all avenues for redress until this egregious behavior is corrected.

I have talked to Farmers corp. claim office and denied it again. My medical bills went way down because my health ins. paid on them. So my husband talked to them to resolve it and denied again. Claim adjuster that took care of this was very upsetting to me ,stressed me out. Because I could not turn my head for a month, I could not drive or anything. Claim adjuster has lied numerous times to me. He told me we would settle this when I got to feeling better and it never happened. Offered me no pain and suffering and I owe some on medical still, and nothing on my medical. I cannot get better because I can't afford to go to my chiropractor twice a week. I am only going once in 3-week period. Still in pain, going to work everyday in pain.

Farmers only fixed my car. He told me that's only part of the settlement. I tried to get a lawyer. They all told me you have a case, but not enough money involved. So I cannot get any relief from Farmers at all. Farmers is horrible company. They lie, lie, lie to everyone.

The agent we were assigned is just so useless!!!! He used to call either on a Friday eve or on a Sat and speak for hours altogether about some unimportant stuff and when we were involved in a collision, he never responded to our emails/calls/voicemails. Very, very irresponsible!!!!!!!! I was very unhappy in the duration I was with Farmers. Pls do not get trapped with them!!!!! Even after I suspended my account when them, the frustration didn't end there!!!! Very bad customer service!!!!!!!!!!

Unfortunately, someone made the call to have my vehicle towed out of town without my consent, during the process of handling my claim. Once this happened, my vehicle's belonging were removed by someone who had custody of my vehicle at that time. I am told that once the call, to have the vehicle towed, happened it gave the tow company the right to those belongings. Regardless of all the details, it is clear that a mistake was made during the claims process. If it were possible to just call the tow driver and nicely ask to have the belongings returned then we would overlook the mistake and all the inconvenience, heartache, poor sleep and anxiety associated with this part of the claim. Of course, it appears that is not happening and now we must look to the individual who took it upon themselves to make the call to have the vehicle towed and hold them responsible. So to the best of my ability, I will provide a list of items that were inside the vehicle for the Farmers agent to better handle this part of the claim.

I am content working with Farmers insurance, but am feeling like this part of the claim is moving very slowly with regard to someone taking responsibility for their actions. If Farmers and myself are unable to come to an agreement then perhaps it is best if I hire a legal representative to assist me with this process. I feel this way because of the recent uncertainty and finger pointing involved with the miscommunication between Farmers Insurance and said parties resulting in the 2000 Saturn and its belongings being towed out of town.

Well, my Mom just received another "mileage Verification" letter telling her that her rates would be affected if she does not respond. Now the part that is making us mad is that they list the mileage of the past year as 7,500 miles and that they estimate her driving 13,000 miles in the next year! This is absolutely criminal to try to say a person of her age is driving that much in a fourteen-year-old car. MY MOM DOESN'T EVEN HAVE A DRIVER'S LICENSE!. I have records showing that when the smog check was done one year ago, the mileage was 42,146. The car has right now 42,448 miles on it. That is an annual miles driven of 302 miles. If I didn't go through my Moms' mail this would have just been passed over and Farmers would have raised her rates again.

How many other elderly people is Farmers trying to take advantage of? To see that they have my Mom driving that much when the car is hardly used at all and Farmers has been repeatedly told this, is criminal. I have been trying to get my Mom to switch insurance companies but she is very resistive to any change in anything my dad set up before he died.

Brad ** of Farmers Insurance then told me he would not honor my original appraisal and would only accept his Farmers Insurance appraisal. Something this important should have been explained to me in the first place before accepting my original appraisal. Being a total loss, Brad ** then told me he wouldn’t pay out the $51,700 appraised value because I was being charged $448.50 rated by the $31,650 payoff. They then paid Ross ** of Auto Bid in Kansas to appraise a car he has never seen, had zero paperwork on or receipts for. When I talked to Ross, he told me he could NOT find any cars like mine but found Mustangs with some of the same parts as I had and gave a final value of $16,800. The $448.50 I was paying for a $31,650 pay off was now reduced to $16,800. I have been overcharged for 2 years paying $448.50, a payoff they will never intend to honor.

Now, we are playing the Lowball Game. Brad then explained that he expected to take my $51,700 vehicle for $16,800. On top of that, Brad told me that the $40k in extra parts (engine, drivetrain, and suspension that were added) was not part of the original policy but still must stay in the car. Brad then said they will only accept the $51,700 appraisal towards their advantage to rate the buyback price. A complete double standard. I asked what the buyback price was and he said he didn’t know and they can charge whatever they want for the buyback price. Brad ** is forcing me to accept $16,800 for a $51,700 car, a loss of $35,000 or pay an extortion buyback price of whatever they set on the car. Brad ** then told me this will be a long, dragged out process and they can take as long as they want to finish this claim. I’m being scammed and extorted out of my property and need help.

Here are some definitions of Extortion: Wikipedia: Extortion (also called shakedown, out wresting, and exaction) is a criminal offense of unlawfully obtaining money, property or services from a person, entity, or institution, through coercion. Dictionary.com: Law, the crime of obtaining money or some other thing of value by the abuse of one's office or authority.

I am absolutely disgusted with this company and will be moving all of my business, including the policies I have written for property, to State Farm. It has been a nightmare I can't wake up from and has caused me to lose sleep, lose business and caused untold amounts of harm to my health and well being in the form of anxiety and migraines. Farmers does not care about anything, but looking out for their own best interest. I have taken this to the internet to provide a forum in which to not only air my grievances, but to warn others of what they can expect when they are loyal to this company. I will continue to post until this goes viral, and I will also pursue a class action lawsuit as I'm sure if this has happened to me, I am not alone.

They have contacted my son's girlfriend repeatedly to try to get her to sign away her rights and make us go away. That isn't happening and I will make sure that I am vocal and loud in the deplorable way I have been treated. You cannot and will not treat the people that keep you in business this way. I will post this message in every venue possible until something is done to help me and not themselves. You don't want to do the right thing, then all will know it.

Soon afterwards, the adjuster called Enterprise Car Rental and told them that they need to take back the rental car tomorrow! I am completely appalled by their behavior. Especially, I have used Farmers Group as my insurer as well for my two houses and 3 cars for over 17 years! These guys are slimebags. When it comes to paying on the insurance policies, they start abusing their customers. Think twice before buying insurance from them.

That month I got an automatic withdrawal from Farmers that took out nearly $500! I immediately put a stop payment on the ACH and called the agent. He gave me some remarks about how it wasn't his fault - "You know how those office girls are" - and assured me that I would get reimbursed the $25 dollar fee for placing a stop payment through my bank and would not be charged again by Farmers. Then the following month, I was charged a balance amount of $379 and again placed another stop payment and called him. He did not answer for over two weeks; that’s when I received a notice of final payment or my account was going to collections.

This time I went straight to the source of Farmers and called their 800 number and got some very good information. The Richard Keck Agency never turned in the documents from signing, so there was a discount taken off of my account leaving me with a balance. I was very surprised when I asked if I could file a complaint about the agent and the customer service representative said that they did not offer that service. They should want feedback from their customers, especially ones that are leaving. Some of their agents are obviously not being honest with customers. Lesson learned: always do your research!

After I arrived home, I went to register the vehicle. They would not let me as my insurance card had a fake VIN number on it and an incorrect vehicle description. I put a call in to the agent - Bryan **. On May 8th 2012, I totaled the truck. When I called the next day to file a claim, I was told I did not have full coverage and there was nothing I could do. I asked if the policy had been reviewed by an underwriter and asked for a phone number, but was never given one. Usually, when a new policy is written, it is checked by an underwriter and the VIN number verified. If reviewed, the incorrect VIN and lien-ed vehicle should have been caught and corrected. I feel that this company is in violation of failure to protect the public.

My mother and I have contacted Farmers' district manager Ryan ** at the same location several times regarding this situation. We have sent emails and made phone calls. They are all denying I told them it was a leased or lien-ed vehicle. They just informed me that they just go by the e-quote form and what insurance I asked for. There is nothing they can do. They told me to file a claim but when I called to do so, they would not let me. I filled out the e-form quickly and expected someone to contact me and go over the details and explain to me what I needed. I did state leased vehicle on that form and have a copy.

As I had been out of the country for several years and not much experience with insurance coverage (I am 21), I assumed the insuring agent would have spoken with me about my options and what coverage that I needed to carry on my vehicle. This is a very frustrating and upsetting situation as I have a loan on this vehicle that I have to repay even though the vehicle is totaled. I would like you to please investigate this agency/situation as I feel I was not taken care of when I trusted this agency to protect myself and my vehicle. I feel they are responsible for this mistake on the VIN number and the coverage. I feel they should compensate me for the loss of my vehicle or at least amend the policy to reflect the coverage I needed so I may at least just get the vehicle paid off.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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 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 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?

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 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.

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.

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!

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.

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.

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.

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.

It took about a week for them to get with me due to no power and no phone lines. I took my car to somewhere in Tacoma about 2 weeks later for them to look at my car. It had a crack in the middle of my hood where he turned into me. The person that called me to follow up with this said he was going to find both at fault. I said no way, but he said it was a 3.900 claim on his old car and that it was not cost effective to contest it. This would stay with Farmers for three years. Well, I changed in 2010 and that is when I was told there was 100% my fault for new insurance. Well I called many people at Farmers. I have their names and phone: Paul 18004357764, Steve **, **, and John **, **. Three of them told me “Yes, it was 50/50.” But when I talked to Kathren and Keven ** at **, he was at ok line. I was not yelling at him. Keven told me now that I changed insurance, I cannot get a better quote. I was mad.

Well now I told them I was mad that I have something on my insurance record and that is not right. I asked them “Why did I not get a letter saying this in 2006?” Keven rudely said he will send me one now. I said, “Shouldn't you have done that in 2006?”And he said he will not change this. Well this has cost me higher rates for the last 4 years for a 3.900 claim that they did not have to pay. My insurance, Farmers, did not work for me. They worked for themselves and what was best for them not me. I have no problem when I am wrong; but I was not wrong. There are a lot of accidents there with the same problem, coming off the freeway and turning left, going around the cars going straight not knowing there are and is a left turn lane to turn left to get on the freeway going north. Consequences: this is on my insurance record and has cost me more than it did for that cost of that car they paid off that they did not need to all because it was cheaper for them and not that it was right for me. I was over charged in insurance for the last 4 years.

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.

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 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.

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.

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 waited and called again. I 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 at least three months per vehicle. This has caused a financial hardship and a very slim Christmas as Farmers has held up my refund, or should I say my agent Ray **.

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.

I am beyond pissed 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), we 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 policy and were dishonest in quoting an amount in order to get our business. I was shopping several companies and the agent knew this. I feel they gave an artificially low quote to get our business.

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 me 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 literally 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 maybe 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 insurance: Look around for a company that has 6 months policies and ask a lot of questions. Get everything in writing. These insurance companies are related to snakes, in my opinion.