Better Business Bureau (BBB): Farmers Insurance Reviews

Complaint, after complaint, after complaint!  This company is the WORST!  Avoid Farmers Insurance Group!    Seventy-nine percent of reviews submitted to the Better Business Bureau (BBB) of Farmers Insurance Group are NEGATIVE!   Farmers Insurance had 213 complaints in the last year and 643 complaints in the last three years!   Do you want to deal with a company with that many consistent complaints?   Read some of the complaints below.
Farmers Insurance Review

“I have been a customer with farmers for auto and home for 5 years. Overall thought it was pretty good until i filed my very first auto claim. Van in shopping area during a very windy day while i was indoor shopping. Upon returning noticed mild damages on bumper and both van doors. I am not sure as to cause possible carts, possible vandalism, don’t know and of course no witnesses. Claims agent came to look at the car and stated these are 3 separate claims and 3 deductibles. Even if same time can’t be on same claim. I was in shock and still am. Will pay for it cash and switch to another insurer who doesn’t play these games to save money. Heed the Warning!  ”

“Hello to whom may this concern , FARMERS is the worst insurance to have , not only they charge you for fees that have no meaning to the business except for the fact that they just want to collect as much money out of you once you sign up with them but when it comes down to submit an accident they will NOT inform you properly on how to pursue the claim so it gets taken care of asap and more importantly properly . I was involved in a minor incident and the other party had State Farm and I’m in the process of switching insurance due to the fact that FARMERS is withholding my deductible with no legit reason on why they are holding my refund , they informed me that the deductible was going to be refunded . This has been going on for two weeks now I just got off the phone with STATE FARM and they informed me that everything was taken care of and paid to my insurance (FARMERS) with no complications . Now I try to get a hold of my agent and she is avoiding my calls . If you need ANY information please feel free to contact me .”

“I have 3 BMW’s covered with “storage insurance”…one vehicle was parked in my yard and a motorist drives into my yard and crashes into my vehicle (hit and run)..Farmers says they don’t cover that..PATHETIC..If you have Farmers and or are considering them, DO NOT! The best is that one Farmers representative said it”s covered but when the adjuster called, they informed me they do not. People need to band together and demand insurance scammers like Farmers change their rotten ways!  ”

“this company practices what is called price optimization – they slowly raise rates hoping you wont notice … ok so i payed my bill without doing due diligence in terms of my premiums – lets this be a warning to ALL insurance customers – i have no excuse – their own web site gave me a cheaper quote than my bill was … the problem is the customer service here – in 3 years of having farmers insurance i never have been able to contact my agent … most of the time i would get frustrated and just call the 800 number – but this time i was told [ two times in fact because i tried again] that i had to talk to my agent – you cannot cancel from the 800 number … well i never could and still never have been able to contact my agent …. they called me when they thought i was overdue on my payment and wanted their money … a collection agency im not quite sure who it was [wasnt the agency] … but farmers billed me for the time – 49 dollars in fact – for 23 days over that i could not get a hold of them ….. so ok farmers you got a few extra bucks outta me – and in return gave me lousy customer service — im at least gonna let everyone know i can about my farmers experience – was it worth it ?  ”

We have been in the same home for 15+ years. As a current farmers customer I now realize it’s the worst mistake of my life. We had a house fire. Due to the sot and ash still in the air, my father has now been in the er twice. Continuing to drag your feet with the “farmers suggested” restoration company is seriously taking a tole on my family. Not only have you proven to care nothing about your long term loyal customers, you have shown me that your company was the worst mistake of my life.”

“I have been paying for insurance for my rental home through Foremost/Farmers for 5 years. Never one late payment in that time. I had some renters who did significant damage to my rental home. I met with my agent and he initially said they would cover $8000 dollars for the damage. That $8000 turned into $2000 once I received a copy of his report. He then called me a week later and said that they reviewed the policy again and found a loophole to where they didn’t have to pay anything. They put a stop payment on the check and now refuse to return my phone calls. I had a $35000 policy and they are giving me nothing. Please do not do business with this company. They are frauds and thieves. The only good news is that after I contacted an attorney, he says that I have an extremely strong case. Hopefully I can get some of the money back that I have paid them for 5 years.

“I called my agent about my car being broken into. They informed me that I had $1000.00 deductible (OK that was my choice) but then said I might want to think about not filing a claim because I would lose my “no claim discount.” Now that is “not the same as penalizing you for using your insurance, it is just losing your discount. Really? It is EXACTLY the same thing. Nothing like getting ripped off twice. This company is just as much a thief as the guy who broke into my car. We’ve paid tens of thousands of dollars over the last 20-something years without making a claim. The first time we have one? We are told not to submit and penalized.”

The rates as quoted did not match the premium charged at times. The cancellation process is an Unfair Trade Practice in that when they are notified in writing and through customer service of a cancellation of insurance coverage, they do not follow instructions and seek to further delay the cancellation causing additional charges to consumers.”

“I was only 2 weeks with this company then canceled my auto insurance they did not return my money at all then when I call them they start to argue with me that I still have to pay $14 more because they have a cancellation fees. It’s ridiculous I’m not recommend this company be careful read first everything then sign paper . This company it’s just taking advantage from people . Stay a way far from this company . I’m from Arizona.when I call here the agency than pay for auto insurance but the statement shows 3 diferant address one in Mesa.Az other at Pasadena.CA and the tired address shows at Hollywood.FL. Foremost insurance.coast national insurance .bristol west insurance .stay Farr from this company’s ..I’m not recommend”

I’m not one to complain about a company, but this experience from start to finish has been awful. When my Fiance and I Went to farmers we had a great experience with the local agent he was nice and helpful. That’s where the good ends. To get a hold of said agent you had to call and leave a message and wait for a call back. Most the time it was quicker just to drop into his office. When we started our auto insurance policy, it took almost 3 months before the payments started getting pulled from my account, even though we set up direct deposit. That was the first nightmare, the second nightmare was when we tried to cancel the auto policy. We put my Fiance’s name on the auto policy since he had homeowners insurance through them as well. Well he was out of state working, when we found a new company with the same policy, but half the price. So when I called to cancel the girl I talked to didn’t say anything to me about the main policy holder needed to be the one to cancel not me. She only told me to fill out the email they were going to send me and to send it back and it’d be canceled. I did that and checked a few days later to find the policy wasn’t canceled. No one sent me an email to explain that it had to be my fiance who sent the email. So when I called to find out what was going on they worked really hard to help me, which was great. Unfortunately since they didn’t tell me the first time about the cancellation terms I was too late to get a stop payment on my account so I wouldn’t have the bill taken out. So I waited a week and half to call to check and see when I was going to get my money back from them. Only to find out that they are mailing me the check instead of just returning the money to my account. And the catch to getting the check was that they didn’t schedule my refund to be sent out till 2 weeks after I finally got the account canceled. I got sent to billing via the customer service and was told that they could cancel my check and have my money back to me in 3-5 business days and then it’d be a few days after that to get the bank to process the deposit. She also told me to call back in 5 to 6 days to make sure they had processed everything for me. I called back 5 days later to get an answer of there is nothing on your account about cancelling the check and sending the money directly to your account. And when the girl tried to figure out why they didn’t do what the said they would, she found out that they can’t just cancel to check. And that it would take 7-10 days to cancel it and another 5-10 to get me the direct deposit, plus however long it took my bank to process the deposit. So almost 4 weeks later from my policy cancellation, I’m still without my refund. Which wouldn’t be a huge problem if I wasn’t going to be on vacation out of town for a whole week with a friend, and now have barely any money to pay for the trip.  ”

“I had a policy for 27 years with foremost insurance company part of farmers insurance. they insured my mobile home. I made a claim for water damage, first claim in 27 years. It was turned down, they claim it was old age rot when you can plainly see it is water damage and you can feel the water in the floor. do not do business with a company that lies

Source: BBB

21st Century Insurance Gets Worst Rating from Temkin Group

According to the 2015 Temkin Experience Ratings, an annual customer experience ranking of companies based on a survey of 10,000 U.S. consumers, 21st Century Insurance had the WORST ratings for the 5th year in a row!  Five years in a row?  Is it a coincidence that Farmers Insurance Group bought temkin-group-logo21st Century in 2009?  It didn’t take them long to run this business into the ground in regards to customer service and experience.  21st Century Insurance was also one of the three companies that declined by most percentage-points between 2014 and 2015!!

To generate these ratings, Temkin Group asked 10,000 U.S. consumers to evaluate their recent experiences with a company across three dimensions: success (can you do what you want to do?), effort (how easy is it to work with the company?), and emotion (how do you feel about the interactions?). Temkin Group then averaged these three scores to produce each company’s Temkin Experience Rating.

Source: http://www.prnewswire.com/

Texas Commissioner Files Revised Farmers Insurance Refund Settlement

On the heels of a recent multi-million dollar refund agreement with the state’s largest homeowners insurer, Texas Department of Insurance Commissioner David Mattax announced a revised settlement with the second largest homeowners insurer, Farmers Insurance, stemming from a 2002 lawsuit by the state against Farmers.

The settlement now goes before a Travis County District Court for approval.

The settlement, which amends a prior agreement, will enhance benefits to Farmers policyholders who fall within the settlement class.

As part of the settlement in 2002, Farmers provided a 6.8 percent homeowners rate reduction that has already been received by its policyholders. An additional $74.38 million in refunds has been increased by $10 million to account for the passage of time.

Under the terms of the agreement, eligible Farmers policyholders will receive a total of $84.38 million in refunds.

“This is a significant step toward returning funds to deserving Farmers customers,” said Commissioner Mattax in a departmental release.

He also noted the recent settlement with State Farm Lloyds totaling $352.5 million in refunds. Taken together, the two settlements provide for almost $437 million in refunds to certain Texas insurance consumers.

Source: http://www.insurancejournal.com/news/southcentral/2015/03/10/359968.htm

Judge Orders Farmers Insurance to Pay Oklahoma Plaintiffs $15M

An Oklahoma judge has ordered Farmers Insurance and a subsidiary to pay a total of $15 million to three plaintiffs who filed claims for damage to their homes caused by a deadly tornado that struck Woodward in 2012.

The plaintiffs alleged that Farmers Insurance and Foremost Insurance Group underpaid claims and used adjusters that they knew would offer low estimates, and District Judge Ray Dean Linder agreed.

“I was shocked at the disservice that was rendered by the defendants in each of the three cases,” Linder said in his verdict issued last week.

The judge ordered the insurance companies to pay $2 million for bad faith and breach of duty and $3 million in punitive damages to each of the three plaintiffs.

Farmers Insurance is still reviewing the judge’s decision and evaluating its next step, said company spokesman Luis Sahagun.

The EF-3 tornado hit Woodward in April 2012, killing six people and injuring 29.

Attorney Jeff Marr filed the lawsuits on behalf of homeowners Sterling Parks, Jeff and Mary Sharpe and Kim and Linda Louthan. He has also filed lawsuits against insurance companies over the May 2013 tornadoes that hit Moore and other Oklahoma towns.

“For every one or two or three – in this case – who stand up and say they won’t take it, there are a thousand who take it, because in many cases the people don’t have a choice,” Marr said. “They are often left in a situation where their house is unlivable and they can’t afford to foot the bill to stay somewhere else or fix the home themselves.”

According to the lawsuit, the insurance company’s adjuster determined that Parks’ home was not structurally damaged and could be repaired. The lawsuit said an engineer hired by Parks said the home should be torn down, not fixed.

“My life has been on hold basically for two years,” Parks said. “It’s nice knowing I will eventually get something.”

Farmers Group Inc. is based in Los Angeles.

Source: http://www.insurancejournal.com/

Also see VIDEO here

Auto Shops’ Suit Crashes In Insurer Antitrust MDL

Law360, Los Angeles (January 21, 2015, 8:35 PM ET) — A Florida federal judge on Wednesday gutted a suit in multidistrict litigation accusing State Farm Mutual Automobile Insurance Co. and other insurance providers of conspiring to manipulate car repair costs to reduce their payments, potentially spelling doom for about 20 additional cases.
In dismissing most of the claims in the instant Florida federal suit without prejudice, U.S. District Judge Gregory A. Presnell decided the auto body shops failed to state a claim, including failing to meet the burden for two claims that alleged Sherman Act violations.

Plaintiffs claimed the insurers utilized business agreements with the shops to exert control over their operations and artificially depress car repair costs.

But Judge Presnell decided on Wednesday that the plaintiffs hadn’t sufficiently detailed the alleged agreements. Moreover, the fact that some of the defendants showed an unwillingness to pay more than State Farm had to pay doesn’t by itself raise Sherman Act concerns, according to the judge.

“It is not illegal for a party to decide it is unwilling to pay a higher hourly rate than its competitors have to pay, and the fact that a number of the defendants made statements to that effect does not tip the scales toward illegality,” Wednesday’s order said.

Judge Presnell also found no viable claim that any defendant refused to allow any of its insureds to obtain a repair from a shop that asked for higher prices, or refused to pay for repairs performed at such a shop, and thus tossed another Sherman Act claim.

In addition to price-fixing and boycotting, plaintiffs accused the insurance companies of breaking various state laws by not sufficiently compensating the body shops for work performed, by illegally steering business away from their respective businesses and by illegally suppressing labor rates within the industry.

While there were slight variations among many of the complaints over certain state-law-based alternative grounds for recovery, the core factual allegations in many of the actions were the same, which led to last year’s consolidation. Thus, Judge Presnell’s Wednesday decision in the instant case may indicate that the similar claims in about 20 other cases in the MDL could fail.

The judge tossed plaintiffs’ quantum meruit, unjust enrichment, tortious interference with business relations and conversion claims without prejudice. He dismissed their quasi-estoppel claim with prejudice.

David L. Yohai of Weil Gotshal & Manges LLP — which is representing 21st Century Centennial Insurance Co., Bristol West Insurance Co. and Farmers Insurance Group — told Law360 on Wednesday that they are pleased with the court’s decision.

“Hopefully, the plaintiffs will see the weakness in their pleadings and not prolong this costly process and case which they clearly do not have the facts to support,” Yohai said.

State Farm Public Affairs Director Phil Supple told Law360 that they are pleased with the ruling and that the company’s lawyers are reviewing the order.

An attorney for the repair shops didn’t immediately respond to a request for comment late Wednesday.

The repair shops are represented by John Arthur Eaves Jr. of Eaves Law Firm, among others.

21st Century Centennial Insurance Co., Bristol West Insurance Co. and Farmers Insurance Group are represented by David L. Yohai of Weil Gotshal & Manges LLP, among others. State Farm is represented by Michael P. Kenny of Alston & Bird LLP and Michael L. McCluggage of Eimer Stahl LLP, among others. Allstate is represented by Richard L. Fenton of Dentons US LLP, among others.

The case is A&E Auto Body Inc. et al. v. 21st Century Centennial Insurance Co. et al., case number 6:14-cv-00310, in the U.S. District Court for the Middle District of Florida, Orlando Division.

Source: http://www.law360.com

Woman says Farmers Insurance didn’t cover as promised

A Galveston County woman is suing an insurance company over claims the defendant failed to provide the coverage promised in her insurance policy.

Shellie Hoops filed a lawsuit Dec. 29, 2014, in Galveston County District Court against Texas Farmers Insurance Company, citing underpayment for damage to her home from a water leak.

According to the complaint, on June 7, 2014, a sudden discharge of water on Hoops’ property in LaMarque caused severe damage. The suit alleges an adjuster for the company misrepresented the cause and scope of the damage, the amount it would cost to repair it and the plaintiff’s coverage under the policy, resulting in an underpayment that has not allowed Hoops to make needed repairs to the property.

Hoops seeks between $100,000 and $200,000 in damages plus attorney fees and other damages. She is represented by attorney Ben Doherty of Speights & Worrich in San Antonio.

Galveston County District Court case number: 14-CV-1349

Source: setexasrecord.com

Former Farmers Insurance Adjuster Speaks Out

Having first hand experience as a property adjuster with farmers insurance for many years ( now with another company), I can tell you first hand that farmers adjusters were told to tighten up there approvals on wind and hail claims specifically in 2010 & 2011 due to paying to much ($35 million) in 2009 on hail claims just in Illinois alone. They changed there guidelines to basically only pay the worst of the worst damages while bringing in engineers to brain wash their staff into truly believing they were denying wear and tear damages that were true storm damages that should have been covered under the claim and insurance. Since 2011 farmers has now taken an easier approach but through 2013 when I left they were still denying storm damages due to inexperienced adjusters and also overseeing supervisors that would scold their employees for paying to much and being to easy going on approvals. If you truly want your claim accurately paid, file a home office or dept. of insurance complaint and farmers will send out a second adjuster and accurately pay your claim as they fear lawsuits and complaints. Depending on what adjuster you get you will get different claim handling and guidelines. I do not want to name specifically the adjusters who are the toughest on approvals but you will clearly know when talking to them initially or your contractor will know before they get there as they have probably met them in the past. The toughest adjuster for approvals works the northwest area, ie Rockford, crystal lake, Algonquin etc just as a heads up. To piggyback off other posts our catastrophe teams job is to come in give you some money to hold off for the short term. They are severely under trained in handling anything other than wind or hail claims, they do not know all the different state guidelines and will severely short you finds for repairs. I highly suggest requesting a second adjuster if you get one of these adjusters showing up at your house as they will short you money and even screw up coverage on your claim. Not to drag this out but compared to my new company farmers is a joke not only in promoting under experienced people to power positions to make important decisions in the company but also there staff, guidelines ( repairing things against industry standards) and treatment of their policyholders.

 

Source: Farmers Insurance Adjuster

  • This site is published as a public service to warn consumers of the business practices of Farmers Insurance Group. This site is in no way affiliated, connected with, or sponsored by Farmers Insurance Group or any of its subsidiaries. All content and information on this site is my opinion or the opinion of those referenced. This site is for educational purposes. The information in the Forums or from other people, blogs or web sites are provided at face value, we have not confirmed any of these stories/opinions. Copyrighted material has been used for non-commercial purposes only. By accessing this site you agree to immediately contact us to report any incorrect data or misrepresentations of facts. We are not responsible for accuracy in story content. Individuals, news organizations, companies or government agencies referenced on this web site do not endorse this web site and are not affiliated with it (copyrighted materials used without permission). Links to any other sites are for informational purposes only and should not be considered an endorsement of the site. Copyright 2015 - FarmersInsuranceGroupSucks.com - All Rights Reserved