Farmers Automobile Insurance Assn

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Nightmare Experience After an Accident.
Posted by on
Rating: 1/51
LAKE ZURICH, ILLINOIS -- I was in an accident about two months ago, where the other driver rear-ended me. The police determined it was his fault and he got the ticket. My car was determined to be undrivable and was towed away. After I got home, I called the first Farmer's agent I found in the area to report the claim so that I could get the process started. The receptionist was incredibly rude and said she didn't recognize the name of the person who hit me. She transferred me to the actual agent and it was the same thing. He was rude, it wasn't one of his clients and "In Illinois, he has 24 hours to file a claim after an accident."

After I said AGAIN that I was without a car he begrudgingly looked up the actual agent and gave me the number to call. I called the second agent and he told me to call the claims number. I called that number and they took my information and told me they needed to contact their insured to verify that they were liable. A week goes by and they say they have accepted liability and they wouldn't be able to have a claims adjuster look at my car until the next week. The claims adjuster goes out to look at my car and tells me they are totaling it out and that he paid for the costs of towing as well as the storage fee until that day. I was told I had to release my car to them so that they would not incur any further storage costs, and that I would be contacted by their total loss department within 24 hours with a settlement offer.

Two days went by without being contacted by their total loss department and I get a call from the adjuster again because I didn't release my car. He became indignant after I told him I wasn't going to because they had yet to give me any kind of offer for my car. After I ended the conversation, two hours later I received a call from their total loss department.

During those three days my own insurance company moved significantly faster. After I told Farmers I was using my own insurance from this point forward, I asked them if they would be reimbursing me for my deductible because I was forced to use my own insurance to be paid for my totaled car. They said yes, all I needed to do was sent a copy of my declaration. I sent it to them, and I have yet to receive my deductible's been almost two months since the accident.

Meanwhile, Farmers dropped my claim because I chose to use my own insurance company and they have left me to pay the difference on what my insurance has covered on the rental car and the actual cost of the rental car.
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spiderman2 on 07/01/2012:
If you claim through your own insurance company, then your insurance company will look to the other company for reimbursement. you don't claim against yours and his at the same time.
jonthethird on 07/01/2012:
Spiderman is right: contact YOUR insurance agency and let them handle it. They will make the arrangements for a rental, take care of your car, and work with the other insurance company to get repayment. Farmers has no reason to deal with you
ok4now on 07/02/2012:
Farmer's has a horrible customer rating. I would never do business with these people.
jktshff1 on 07/02/2012:
I've had Farmer's homeowner and car insurance for 30 yrs. Had a couple of claims on both policies and never had a problem.
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After Twenty some years with them...Lousy Service when needed!
Posted on
On my way home from church with grandson, I stopped @ a crosswalk (2 dfferent times people were killed at) for a lady crossing she was in the center island ready to continue across the other half (mine) Man on his cell phone in a big red Ford Truck slammed into my hindside catapolted us (grandson) and myself approx. 35-40 feet. My lil Chevy s10 was totaled, I received personal injuries whiplash and back injuries, we were rushed to hospital in ambulance, Mr. (blank wipe) received. a ticket for showing no proof of Insurance and following too closely, of which later we found out he has approx. 22 other similar serious (including battery) not yielding right of way, no proof, no license on an on offenses, mostly no Insurance yet he owns and operates a Bz locally. Since I've had nothing happen for so so many years of coverage and my lil truck was getting older 1995 and my rates continued to increase $5-$7 per year (tired of that) so I dropped to liability, especially since I don't go driving much anymore. I'd know my agents family for years, in fact I used to clean there house and make her bed when she was just a child till Daddy gave her his Title at Farmers, nxt step I contact Farmers the Agent I spoke with would never put me speak to my personal agent and offered help....which was ....nothing (is this a smoke screen? (For my agent?) Plus she was always short with me...granted I'm elderly and have a 13 second memory she was always brief with me and told me I had to do everything myself (it was all my responsibility) including calling the fella that hit me to inquire of him his Insurance cause he told the officer he had (Insurance but it just was not on him? Whattha why do I pay all this money for so many years to get this kind of response and non concern attitude from my Insurance. I truly was left feeling a waste of her time. Call the Courthouse, call the officer @ scene of accident etc. etc. She was impatient, and put me into even more panic it wasn't enough that I was very physically hurt already. In 30 days I still had not spoken with my own agent, just a medical aid person from another state contacted my on Farmers behalf. I've left Farmers never to return and changing to Geico. minus 5 popcorns for Farmers from Me (Thanks for the not so professional concern Farmers) Ba Bye now!
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spiderman2 on 06/29/2009:
I am sorry for your problems, but you state that the only coverage you had for your vehilce was liability. You should have carried uninsured and underinsured motorist coverage on your vehicle. YOu are asking your insurance company to pay for a benefit that you did not purchase from them for this coverage period. Just because you purchased this benefit from them in prior years doesn't mean anything, the only insurance coverage you purchased was for damange to another vehilcle. I would see a lawyer about suing the person that hit you in small claims court to recover your expenses. Good luck.
jktshff1 on 06/29/2009:
spider is right, they cover your mistakes, not the other driver, that's why they have different levels of insurance. Your best recourse it a lawyer.
madconsumer on 06/29/2009:
this is one case where suing is the right thing to do.
jktshff1 on 06/29/2009:
BTW, not your insurance company, the other driver.
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Sudden Rate Increases
Posted by on
LITTLE ROCK, ARKANSAS -- I've had car insurance with Farmers for over 25 years, and I have a great agent. Premiums have been stable with small or no increases. The prior 6-month payment increased by $27. Today, I received a bill for the next 6 months, and it jumped by $114. That's nearly $150 in one year after 25 years of stability. I've been very happy with this company, but I won't pay the higher rates.

Nothing has changed on my end -- no accidents, tickets, no claims filed in 25 years. I would be interested to know if other Farmers' auto insurance customers are seeing the same price jumps? Before I change companies, I will discuss it with my agent.
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rudybjr on 05/23/2009:
Good for you, don't pay them.
PepperElf on 05/24/2009:
I'd suggest asking them why the change.

It might be nothing you did wrong, but simply the age of your vehicle or something like that. they should be able to explain it however.
Ponie on 05/24/2009:
clf, perhaps your state mandates all insureds pay into a fund as they do here in MI. Those of us who live by the rules and have continual coverage have to pay for the medical costs of those who drive real clunkers and take out only a 3-month policy around the time they have to renew their license tab. The fund is nearly depleted so the state wants to put more $$ into it. This is included in our premium, which the company then forwards to Lansing. I paid my 6-mo. premium in March and the amount was increased by (I believe) $14, or about $28 per year. It has absolutely no bearing on our driving records--it's just to pay some else's bills. Do a line by line comparison with your previous statement and you'll see where the increase is.
madconsumer on 05/24/2009:
clf, my insurance premiums increased as well. I called my agent, and told him my dis-plesure, and he said there was a nationwide increase to all insurance carriers. I suspect next year our healthcare premiums will increase as well.
FarmersInsuranceSucks on 08/10/2009:
Change insurance companies - now. If you ever have to place a claim with them you will find out first-hand just how poor Farmer's performance has been in the past.

A quick search on either of the two below is just a small snapshot of Farmer's ongoing bad faith practices:

"Ethel's Bill HB 2415" or
"Christoffersen University Place Farmers"

Farmers Insurance and their agents are never to be trusted to do the right thing.
greg carradine on 09/07/2013:
Go with Nationwide insurance which is what I have. I have liability on my 2000 plymonth neon which is $50 monthly for 6 months. Also, Progressive give me a quote of $48 for liability on my car. However, I had already set up my business with Nationwide. If my premiums increase, I will switch insurance coverage.
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Farmer's Insurance Are Dishonest Crooks
Posted by on
NOVI, MICHIGAN -- I had Farmer's Insurance for years, insuring 2 homes & 3 automobiles.

Suddenly, the homeowner's insurance doubled. When I contacted the agent, she said she'd get back with me regarding why. She never did.

Later, I got divorced and the cars & homes were split up. She continued to bill me for my ex-husband's car and home a year after the divorce was final. I had canceled all my insurance with her, yet six months later she was billing my mortgage company. I paid double on homeowner's and auto-insurance for months after canceling (they just wouldn't cancel it!)

Eventually, I got them to finally refund me the money they owed me for not canceling my policies. I thought it was all over.

A few months later, I get a collections agency harassing me about $24.11 that I owed to them. This was ridiculous. It turned out that my ex owed them $24 for one of his cars.

I still don't know if it's over yet.

I will never buy insurance with them again! I did switch to State Farm & am happy with them so far.
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jktshff1 on 11/11/2008:
Sounds like there was a mixup between you and your agent.
I've had Farmer's for years and no problems.
FarmersInsuranceSucks on 08/10/2009:
"I've had Farmer's for years and no problems"

Wait until you have a legitimate claim and see how competent and responsive Farmer's Insurance is.
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Extending policy without approval then demanding payment
Posted by on
NOGALES, ARIZONA -- We chose to go with another insurance company after 6 months the policy with company was raised again for a total of $100.00 in a year. There were no accidents or tickets on this car or driver (my husband only at the time,) a perfectly clean record. My husband was refused time with the agent to discuss this matter back in October. Clearly, our agent was doing quite well and didn't need our business. We did not send payments or any indication at all we wished any extension on the policy. In fact, we even got a notice saying if we wanted our policy reactivated, we had to pay more money to have it "reactivated," indicated that the coverage had ended.

Yesterday, December 20th, we received a notice stating that we were going to be sent to collections if we did not pay for policy extension from the end of the six months (October 18) to November 13, not even 1 month. This extension was not authorized in any way nor, according to their own letters, were we covered. We had other insurance anyway. We had to provide them "proof" of coverage to have this charge dropped. My husband went to the branch today and requested they provide proof to him that he authorized this extended coverage. He was told they couldn't help him and that he had to come in with proof of coverage before anything could be done. Our coverage with another company isn't their business!

I do realize that printing off cards of proof is easy enough but we are subject to more run-around from this company if they are willing to go this far. There is also the principle of charging people for services not rendered as well. If we are incorrect on our observations, please let us know as neither one of us had this situation happen to us before. (I have switched insurance companies before and nothing like this has occurred.) We'd also take any advice.
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jktshff1 on 12/21/2007:
Why did you not call the Farmers Agent and tell him/her you were canceling the insurance.
It's that simple.
nebulung on 12/22/2007:
Thanks Jay D for your insight, I asked my husband about that last night after reading your post and he said the policy expired on the 18th so it wasn't just not sending in payment and that's it. It was an expired policy and non-renewal. Guess I'll send him in with the payment cards for the other place.
Ponie on 12/22/2007:
JayD, although I'm in agreement with your posts 99% of the time, I guess this is the 1% I'm not. Couple of years ago I switched auto insurers. New insurance effective same date as expiration of old one. I didn't notify the old company. (New company wasn't even aware of who I was with previously.) They sent me a couple of letters stating coverage would by canceled. Of course, maybe this varies from state to state, but here in MI I wasn't threatened with owing the old company money. We don't sign contracts for automatic renwal so how can they claim we owe them money?
goblues on 01/03/2008:
where you paying every 6 months or monthly?
GothicSmurf on 01/24/2008:
Most policies auto renew and by law they have to give you X days for the policy to be extended (for non payment) before they can cancel. You did have insurance during those days. If you want to cancel, you have to tell them. If you decide to just not pay, you will be covered for those extra days and will have to pay. EVEN if you did have insurance via another company. They MIGHT be nice and take those cards and call it a wash.
kdaughter on 04/01/2012:
The very same thing happened to me with my Farmers Insurance policy. I obtained insurance from another company, paying the premium. Then received notices from Farmers that I owed them for their policy - it took over a year to straighten the situation out. I contacted the attorney general for my state and got the state insurance person involved. Meantime, Farmers had sent my name to a collection agency - all because I didn't notify them - when you're working 12 hr. shifts, and working 7 days a week, holding down 2 - 3 jobs! A person doesn't have time to make a lot of telephone calls to cancel policies that they don't want and didn't request.
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Posted by on
MURRAY, UTAH -- Farmers Claims places themselves above the law by bribing a doctor, Brent Bowen M.D., in my case. Bowen refused to recommend treatment for
possible brain injury which has now been identified. Farmers refuses to pay for the testing or the rehabilitation of learning to walk, control my body in space, learning to cut with scissors and all the other skills lost through my lost memories.

The money is available but Farmers refuses to pay for these costs. Mere laymen have placed themselves above the law and are picking and choosing what they will pay for leaving me with thousands of rehab bills to pay.

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Hugh_Jorgen on 05/01/2007:
It sounds like you might want to consult an attorney. If you have another doctor that feels differently from their doctor and is willing to testify on your behalf, so much the better. If you suffered those type of injuries, this could end up costing them some serious money. Good luck!
*Brenda* on 05/01/2007:
Yes, go see an attorney and another doctor. Did Dr. Bowen just do an IME or is he your doctor?
Starlord on 05/17/2007:
At one time, I bought a Honda Gold Wing, and went to our insurance carrier in Casa Grande, AZ, Randy Abbot Agency. This company carried all of our insurance, car homeowners, health, the whole ball of wax. They quoted me a payment plan and deposit, and issued me a binder. Less than a week later, they sent me a letter with a check for about half of what I had paid on deposit. They said they could not insure me, so would give mee two weeks coverage to find other insurance. I called and talked to the secretary and was informed that they could not insure me because I did not have insurance the previous year. I pointed out that the previous year, I did not own a motorcycle. The girl said that wasn't relevant, that they required previous similar insurance. I expressed my disbelief that the fact I had never in my life filed a claim of a motorcycle incident meant less than if I had insurance the year before. What it all came down to was that we pulled every bit of insurance from the agency, I went to GEICO and got the Wing insured, and our other insurance went to other companies.
FarmersInsuranceSucks on 08/10/2009:
Been screwed by Farmer's Insurance one too many times here and am fed up. Just do a search on "Ethel's Bill HB 2415" and you will see how low Farmer's will go to avoid paying claims. They have been rated as one of the worst companies out thereby many consumer agencies.

Sure, their commercials give that warm fuzzy feeling, but when it comes to a claim, Farmer's will do everything possible to deny or stall payments.

Neither Farmer's nor their agents are ever be trusted to do the right thing.
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Lower rates
Posted by on
CALIFORNIA -- Farmers beat my recently increase AAA Insurance home-auto-life policy by over $300 a year. I haven't experienced their service yet, but the price is right.
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saj80 on 10/20/2009:
A note of caution: a common tactic in the insurance industry is to low-ball the initial rates and premiums, and then raise them at renewal.
JR in Orlando on 10/20/2009:
Certainly agree Saj80, that's my experience. I find its easier to just keep the same company over the years because I have a history with them. My time shopping, changing, and learning new policies is worth something to me.
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Farmers Insurance rates going through the roof
Posted by on
OHIO -- I've had Farmers insurance for years. They had great rates when I signed on and the rates were reasonably stable at first. However in the last three years my auto policy has gone up nearly 35% and my home owners has gone up 25+%. All this with being a "premium" customer - i.e. good credit, no claims, clean driving record, etc. I also have all of the usual cost reducers in place - high deductibles, low liability coverage, and so on. Farmers - if you can't appreciate your money-making customers, then I am moving on!
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goduke on 09/04/2009:
Did your agent explain the cost increase when you called and asked about it?
saj80 on 09/04/2009:
If you have no claims, then simply shop for another insurance company. Low initial premiums are a fairly common tactic used by many insurance companies.
tnchuck100 on 09/04/2009:
Over the last 30 years I have found I must change insurance companies about every three years. By doing this I have kept my premiums fairly constant. Allowing for maybe a 3% increase per year.
cygnet on 09/04/2009:
goduke - I contacted the agent, a very nice guy, and was basically told "tough - this is how it is." The same thing happened when I had State Farm for 12-13 years. After the initial honeymoon years, they just started boosting rates significantly each billing cycle. tnchuck100 - I think you are right - best advice is to be prepared to shop and re-negotiate every few years! I just found a new company that will save me plenty. :-)
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