Never use Farmers Insurance.... please!!!!!!!!!!!!!!!

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LBL
Never use Farmers Insurance.... please!!!!!!!!!!!!!!!

Not sure if this is the right section... it's remotely related, soo..... my friend had some really messed up problem with Farmers... so here it goes in her words.. (Sorry about the half caps and mispellings and it being so damn long.. I didn't want to edit her message too much..) But you're really going to hate Farmers after reading this...

 

"so i was in a car accident.. the other lady's fault right... so she put in to pay for the car to get fixed through her insurance which is FARMERS INSURANCE (i hate them).... ok so i DROVE my car in to the shop and they said they would call me back to let me know when it would be ready.... THE ONLY DAMAGE ON THE CAR WAS MY BUMPER AND THE DRIVERS HEADLIGHT.. BUT I HAD BEEN DRIVING IT FOR DAYS BEFORE THEY GAVE ME THE SHOP TO TAKE IT TO OK...... so they called me and said that my car was a "total-loss" b.c the title was a savage car(*a car that had been total-damaged and someone rebuild and put back together right)... so b.c it was a savage car the value of the car is much less than one that isnt but the car is in greeeeat condition said the mechanic... (DUH I HAD JUST PAID 150$ FOR DETAIL CLEANING, SHAMPOO THE CARPET AND GET STAINS OUT OF THE LEATHER SEATS THE KIDS LEFT CANDY TO MELT... AND MY UNCLE REPLACED EVERYTHING IN THE CAR AND FIXED IT UP SO I CAN PASS INSPECTION.. SO I JUST PAID TO GET THE INSPECTION STICKER TOO... IN OTHER WORDS, YES IT WAS IN DAMN GREAT CONDITION... ANYWAYS........) so then FARMERS INSURANCE (i hate them) said... b.c its a savage car, it actually costs more to fix your car then the value of your car... im like oh greeeeat right... so then FARMERS INSURANCE (i hate them) said you can either keep your car and get 1800$ and you pay the difference to get it fixed or we keep your car and you get 2500$.... weeeeell i wont get another goooood working car like my nice greeeat working lexus for 2500$... and i know my stepdad can fix the car again right... sounds like a perfect plan... *i pick up my car, i give my stepdad the 1800$ to pay off my car and the rest im paying him to fix the BUMPER AND HEADLIGHT*... so far everything sounds nice and dandy right... FARMERS INSURANCE (i hate them) did give me a rental... so anyways.. i told them... i want to keep my car... they said ok... we are mailing you the check for 1800$ and you can pick your car up any day now... i said so i can drive it out today if i want.. she said yes........

WEEEEEEEELL i went to the shop to take back the rental and pick up my wonder white 1996 lexus that i worked hard to get to... to find out... THAT MY CAR IS NOT DRIVEABLE... apparently when the car is considered a total loss they automatically do a tear down of the car!!!! i was never notified that my car was going to be left in pieces.. the shope said you can take the car-its in pieces so you need a tow truck but we dont put them together again... WHY THE HELL WOULD I HAVE AGREED TO KEEP A CAR IN PIECES.. WTF AM I GOING TO DO WITH A CAR IN PIECES.. I WAS ABLE TO DRIVE IT OUT, AND NOW I CANT WHAT IS THAT ALL ABOUT!!!!!! i called the insurance and they were like ma'am you have agreed to keep the car as is-we dont pay for them to put it back together, that is out of your own pocket and this claim is closed as you agreed to keep car as is.. AS IS-I WAS UNDER THE IMPRESSION THAT MEANT AS THE WAY I TOOK IT IN IS... NOT ONCE WAS I NOTIFIED THAT MY CAR WAS TORN APART... WHY THE HELL WOULD A CHOSE TO GET ONLY 1800$ W/ PIECES OF MY CAR HERE AND THERE INSTEAD OF THE 2500$ AND SEEEEE WHAT ELSE I COULD DO WITH THAT!!!! "SORRY MA'AM, THERES NOTHING MORE WE CAN DO.." so i hate them... the accident wasnt even my fault and i was trying to do the right thing by not claiming to be hurt or anything you know and FARMERS INSURANCE FUCKED ME GOOD!!! so now i have 1800$ where i owe my stepdad 800$... so 1000$ and no car.... thats why im so angry!!!! "

 

 

 

   

   

PinkyV02
Re: Never use Farmers Insurance.... please!!!!!!!!!!!!!!!


 That really sucks.. my boyfriend had a similar situation when he got into an accident with his old car.. He paid his insurance (farmers) and no one had told him that he was really paying earned premium which means the balance that is due on a canceled policy… so this whole time he thought he had paid his insurance and he gets into an accident… he thought he was covered calls farmers to find out that his policy was cancelled.. He never got a notice since his ignorant agent had told him she was going to find out what was going on with his policy… anywho.. the total damage was 8 thousand dollars.. 2 k to fix the car he hit and 6k to fix his car (mercedes benz) he was car less for about a month since it was in a shop and I didn’t drive yet… And had to pay all that money out of his pocket… ohh yeah did I mention he was 21 (at the time) and a full time student so it was not that easy coffin up 8 grand… So now we both have allstate.. I love it.. I pay wayyy less and im in contact with my agent if anything goes on.. Did I mention I AM A INSURANCE BROKER MY-SELF.. lol.. thing is I WONT touch personal auto.. its too much drama.. claims & endorsements… My office only does COMMERCIAL insurance… and some home.. its much harder but wayyy better than personal auto..  plus it pays more ;-)

 

 

 

.Live. .Love. .Laugh.

Wonderland
Re: Never use Farmers Insurance.... please!!!!!!!!!!!!!!!

Did he pay the full balance on his premium?  Or was his policy cancelled for other reasons? 

It's important to read the fine print (what your policy is subject to, etc), any endorsements (amendements) issued to the policy at time of inception or after.  Maybe there was something on the policy that your friend missed

Oh yeah, I'm an insurance agent.  Lol.  But I also only do commercial.  A few auto physical damage here and there.

"I don't know where I'm going from here, but I promise it won't be boring."

LBL
Re: Never use Farmers Insurance.... please!!!!!!!!!!!!!!!

Farmers Insurance was the other person's insurance.. it was the other person's fault, not my friends...  

LadyBunnyLover

PinkyV02
Re: Never use Farmers Insurance.... please!!!!!!!!!!!!!!!

[quote=Me in Wonderland]

Did he pay the full balance on his premium?  Or was his policy cancelled for other reasons? 

Oh yeah, I'm an insurance agent.  Lol.  But I also only do commercial.  A few auto physical damage here and there.

[/quote]

 

he was doing 3-pay (i think) so he made the payment AFTER the policy canceled.. So when he went back to make another payment his agent told him to hold off on the payment since she didnt know how much was due and was going to look into the file.. then like 2 weeks later he crashed.. oh well.. lesson learned...

 

btw.. how do u like commercial??? we have alot of agents call us to quote them since very few people know how to do commercial.. ohh and what state are you in??? we do have a couple of clients that need insurance out of state so maybe i can reffer! lol..

 

.Live. .Love. .Laugh.

Wonderland
Re: Never use Farmers Insurance.... please!!!!!!!!!!!!!!!

I like it as much as one can like insurance.  Ha!  It's actually kinda interesting really.  Hmm, my brokers call us looking for quotes.  Not the other way around.  We're wholesalers so we work for between the carriers and the retailers.  I'm in New York.  How bout you?

 Yeah...important to get those policies paid off.  Otherwise the company is within their right to cancel.

LadyBunnyLover, I know someone who works for Farmers...perhaps I can show them this.

 

"I don't know where I'm going from here, but I promise it won't be boring."

PinkyV02
Re: Never use Farmers Insurance.... please!!!!!!!!!!!!!!!

[quote=Me in Wonderland]

I like it as much as one can like insurance.  Ha!  It's actually kinda interesting really.  Hmm, my brokers call us looking for quotes.  Not the other way around.  We're wholesalers so we work for between the carriers and the retailers.  I'm in New York.  How bout you?

[/quote]

 

correct me if im wrong, but you guys are G.A.'s (general agents) right??  so your the guys that provide us with quotes.. I have agents from insurance offices  that call us.. Those agents specialize in personal so we help them out with the commercial part.. Insurance is pretty cool.. you learn something new everyday.. I'm located in Cali... 

 

.Live. .Love. .Laugh.

Wonderland
Re: Never use Farmers Insurance.... please!!!!!!!!!!!!!!!

[quote=PinkyV02]

 

correct me if im wrong, but you guys are G.A.'s (general agents) right??  so your the guys that provide us with quotes.. I have agents from insurance offices  that call us.. Those agents specialize in personal so we help them out with the commercial part.. Insurance is pretty cool.. you learn something new everyday.. I'm located in Cali... 

 

.Live. .Love. .Laugh.

[/quote]

Yes m'am.   That is correct.  We go to the carrier and get you a quote...or we quote it ourselves, depending.  We're on total opposite ends of the map!  Well if you know anyone looking in my neck of the woods...send 'em over!  Lol.

"I don't know where I'm going from here, but I promise it won't be boring."

Anonymous Visitor
Re: Never use Farmers Insurance
Dont be stupid. People know if they pay their damn premium or not. As an insurance broker you know better
bella22
Re: Never use Farmers Insurance.... please!!!!!!!!!!!!!!!

OMG that sucks! I have USAA auto insurance they're the best! Too bad it's not open to civilians, just government employees. So what is your friend going to do now?

-Pain is weakness leaving the body- USMC OOrah!

LBL
Re: Never use Farmers Insurance.... please!!!!!!!!!!!!!!!

[quote=bella22]OMG that sucks! I have USAA auto insurance they're the best! Too bad it's not open to civilians, just government employees. So what is your friend going to do now? [/quote]

 

Not sure... I'm going to keep checking with her, but she thinks her stepdad can put the car back together. Or at least she hopes he can....  

LadyBunnyLover

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