Farmers Auto Insurance - Nightmare Experience After an Accident.
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 up 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 send a copy of my declaration. I sent it to them, and I have yet to receive my deductible back...it'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.