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

Farmers Insurance Get Worst Ratings

Farmers Insurance gets worst rating (1 star out of 5) by many ConsumerAffairs.com users!  Here are some of their comments:

“Our 2nd bad experience with Farmers. This time we were hit by a Farmers insured driver. Damage to our car and back injuries. The claims process has been a colossal joke. The claims agent is lazy, disrespectful and untrustworthy. They are trying to cheap their way out. It’s been five weeks with no resolution. However, they did offer us a rental car… which we don’t want or need! Helps me understand why insurance rates are through the roof because they try to take advantage of people which forces consulting with an attorney. Had they just settled fairly, it would have cost them $5,000. Now, we will demand much, much more. Farmers – yeah, they’ve seen a thing or two, but don’t know jack squat.”

Farmers Insurance Sucks

“We trusted our agent by telling him we bought a new Mercedes S550 and needed to add it to our coverage. 2 years later a rock crashed the windshield and the agent we trusted saved us a couple of dollars by making our comprehensive coverage deductible $1,250.00. WOW! Then on top of that they tell us if we don’t take it to an aftermarket repair shop they select they may not pay the complete cost after we pay our deductible. They take incompetence and greed to a whole new level. Too bad there is not a 0 Star rating.

I will never ever get an insurance through Farmers or recommend it to any one else for that matter. What a lousy business. I got in an car accident earlier this year, car was total loss and I sold it to a junk yard. I notified the agent but somehow she didn’t cancel my insurance and I was paying it for months. When I noticed it I contacted the agent and to get my money reimbursed. After months of asking me for all kind of evidence that I really don’t own the vehicle anymore (they saw the pictures and knew that the car was total loss) now they simply refuse to refund. I provided them the name of the junk yard AND more importantly hard evidence: the notice of transfer and reliability of the DMV (that states I don’t own the car any more and from which date). That’s not enough for Farmers. What a despicable way of doing business and customer service!”

“Recently totaled my 2003 Z71 Tahoe. The mileage on my vehicle with just 190K, it was in immaculate condition with no issues. Insurance came back and told me they were willing to give me $4500 for it. This is absolutely ludicrous as of this particular vehicle will cost about $9500. For what they are offering me, I cannot even replace my vehicle with the same exact vehicle in the same condition. Their offer will not even cover half of what they’re going for. They say they are going based off blue book value but would consider upping it if I can show them proof that these vehicles go for more in this area.
I have sent them countless examples of what they go for in this area but they will not consider them because they are either one your new were one year older. Apparently 2003 Z71 Tahoes are rare in this area. I guess it doesn’t matter that 2002 models just like it are going for well over what they are even offering me for mine and those are in bad condition. This is absolutely ridiculous. I pay to be covered and I get nothing in return.

“I had someone rear end my 2012 Jeep Grand Cherokee over a year ago. Farmers paid for the repair with no problem. However, under Oregon law you are also entitled to receive compensation for “Diminished Value”. An accident will lower the resale value of your vehicle no matter how beautifully the repair was made. That’s diminished value (or DV) and you are entitled to compensation for that additional loss. I had two DV estimates done by reputable companies and they both estimated that loss at over $5,000. You pay these companies to do this estimate and you have no idea what they value your loss at until you pay them and see the report. They get paid the same either way so there is no incentive for them to lie or inflate the value of the loss. It’s an honest assessment. Farmers came back and said their expert valued the same loss at no more than $2,000. I refused the $2,000 and they came back with $2,250.
I complained that my vehicle suffered structural damage and that $2,250 is ridiculous. They came back with $2,500. This has been dragging on for over a year now and their offer is still less than half of the estimated loss. I chose Farmers because I believed they were a reputable company. This is not what I would have expected from them at all. Their adjuster even had the audacity to tell me my accident wasn’t showing on CarFax and suggested I not mention the accident during a sale. I’m required by law to tell the buyer about this accident, especially since it involved structural damage! In fact, if I sold it to a dealership, I’d be required to sign a document of disclosure. Are these the actions of a reputable company? Is this the kind of service you would want to experience? Be your own judge. What good is paying for insurance if they treat you like this when you need them? Do yourself a favor and steer clear off Farmers.

Farmers Insurance has been the worst experience of my life. I was sideswiped by one of their client who was ticketed for the accident. I was traveling eastbound in the curb lane at the posted speed limit. The Farmers client made an illegal left turn into the center lane of the same street as me and then abruptly made a lane change into my rear driver’s side door. The Farmer’s customer raced through an expired left turn arrow and lost control of his vehicle due to excessive speed. Farmers lied and said I turned right on red which is patently false. What happened was their client made an illegal left turn AFTER the left turn arrow expired and then about 5-6 car lengths down the road struck my vehicle. Suffice it to say, Farmers Insurance are liars, cheats and swindlers.
I would NEVER recommend Farmers Insurance to anyone. Lies lead to more lies. Small lies become big lies. If Farmers is so willing to tell lies then they will lie to their victims and ultimately their customers. Farmers Insurance company cannot be trusted and pray that you never have to deal with them. They are crooked and some of the most dishonest and untrustworthy people on earth. BUYER BEWARE!!”
Farmers Insurance Sucks

“I have had auto/home insurance with Farmers for 15 years. With few if any claims I have been responsible for. In all auto related issues concerning disputes my Farmers agent in Santa Rosa consistently took the side of the company. The customer service has gone downhill over the 15 years. Recently my agent informed me I would be paying a increased premium for my Subaru WRX 5door hatchback. He said it was in a “performance/sports car” category. When I requested Farmers policy documentation details indicating a list of “performance/sports car” data it was not provided. When I contacted the Farmers District Manager he also refused to provide the information. I have an outstanding driving record. Assigning an extra insurance premium on my Subaru has nothing to do with my record. Cars do not break the law! People do! The “performance/sports car” category has nothing to do with my driving record.
Farmers Auto Insurance created that category for the purpose of increasing profits for the company. I requested documentation that Farmers would have to provide to the California Department of Insurance in approval of the “performance/sports car” category. Farmers failed to respond or provide information. I now have a formal complaint filed with the Ca. Dept. of Insurance against Farmers for non-disclosure and being in violation of corporate law related to lack of transparency. I would suggest that people never do business with Farmers Auto Insurance company. The complaints against them are substantial.

“I’ve been working with Michael ** from Farmers Insurance for the last 2 weeks and HE’S THE ABSOLUTE WORST. 2 weeks ago one of their insured hit me when he ran a stop sign at an intersection, doing significant damage to my car. The front passenger side was completely bent in, leaving a big gap with an air bubble. I called them and asked them to send someone over to do an estimate and Michael told me they don’t usually do that unless the car isn’t driveable, that I’d have to go to a shop and have them do it. I tried to explain to him that the car ISN’T driveable, that I just don’t feel safe driving it in its current state but he just didn’t care and insisted I had to bring it to a shop to get an estimate.
I finally found a shop that could accommodate my schedule and location and they took a look at my car and told me I need to call Farmers and tell them to give me a rental, because this car isn’t driveable. Only then did Michael set me up with a rental. After I got my rental from Enterprise, they told me that Farmers refused to cover my damage waiver on the rental because my insurance already covers a lot of that. I called Michael and asked that Farmers cover my damage waiver and surprise surprise, he said they don’t usually do that. I pointed out that the accident was 100% their driver’s fault and he said OK, they’ll cover my damage waiver but first I have to get my insurance company to fax them a copy of my declaration.
I spent the next 2 days running around making sure all the appropriate documents were sent over (with Michael giving me the runaround repeatedly), and finally he called me and informed me that they won’t be covering my damage waiver because my own insurance company already covers a lot of that. I’m so appalled at the way Farmers has treated me. They’ve just made everything as difficult for me as possible, and Michael is all smiles and politeness on the surface but really has no sense of decency whatsoever. He’s not even professional by auto-insurance standards. (And that’s saying a lot!) If I incur any financial damages from this experience I fully plan to sue them.”

“Had a house fire. 2 days later I still have not heard from my insurance adjuster. I have called the claims # to start a claim, I was told the ins. adjuster would contact me asap… This never happened, so I call again and get the same runaround. Call a 3rd time and they give me more runaround and tell me I have to call the adjuster myself, so I did, no answer and no callback!!! I have no power in my home. I’m living wherever I can, even staying in my house with all the bad smoke fumes etc… I cannot believe that Farmers ins. has put this off like they have, for goodness sakes!!! It is my home. I have insurance and cannot get an adjuster to come here and do what is needed to get my home back in order!!! For shame on this company.

“Farmers ins keeps jacking up your rates. Had no claims. Save over 100$ per month on car ins by switching away for them. If you’re with Farmers I’d shop around now. If thinking about Farmers ins they will double your payments in a matter of year or two. I have been driving over 30 yrs. Never had a company take advantage of me so bad.

Reviews from: https://www.consumeraffairs.com/insurance/farmers_auto.html

 

Farmers Insurance Charges $54 to Cancel Insurance?

I have the worst experience ever with Farmers Insurance. I wanted to cancel my insurance because I sold my car. I purposely told my insurance agent the day before my next insurance cycle that I wanted to cancel. She told me that the system might not be able to recognize my cancellation by midnight and thus I might still be charged for the next month. But she will let the company know and get me a refund ASAP if that happens. Turns out, I got charged the next day. Then my agent sent me this unclear statement saying I owe the policy 54 dollars (I did not owe anything or been in any accident). I was confused so I called and she told me she will ask the company and get back to me because apparently she doesn’t know what is going on either. I waited for more than a week, didn’t get a penny back. And so I called again and she said it is from another department and she will have to get back to me next week. Luckily this time she got back to me early saying there’s a cancellation fee of 54 dollars being charged. so I will be getting a refund of my monthly payment that was accidentally charged after the cancellation 105 – the cancellation fee 54 dollars. First of all, I have never heard something like a cancellation fee when you want to cancel your car insurance. It is a competitive market and all the insurance company try to keep their customers satisfied to build up the reputation. But Farmers is almost like since “the system” has already charged you for an extra month, we might as well come up with something and let you suck it up. And ha there is the cancellation fee. Throughout the whole time, the charges and refund were so unclear. Even when I ask for a clear statement of how they came up with the number they charged me, they never provided that. And each time they tell me different excuses. I would never use/recommend Farmers Insurance to anyone. Avoid it as much as you can

Source: https://www.nerdwallet.com/blog/insurance/farmers-insurance-review/

Farmers Insurance gets worst Auto Insurance ratings for 2014

In the JD Poj-d-power-logower 2014 U.S. Auto Insurance Ratings Farmers Insurance got the WORST rating it could get in the following categories:
-Overall Satisfaction
-Policy Offerings
-Price
-Billing and Payment
-Claims

auto collision

Source: http://ratings.jdpower.com

 

Farmers Insurance Reviews 2015

Farmers Insurance rated worst, as usual.  -Admin

“We have had Farmers car insurance and roadside assistant. My husband’s was travelling from LA to bay area and car broke and brakes failed on I5 north near grapevine while coming down on the mountain. Even the emergency brakes did not work. I called Farmers insurance and told about the situation. They kept asking questions for 1 hour and very slow in response. For example on telling what exit I am, the person was not able to locate the exit while I found online and told where the exist is exactly.
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.” Jan 2015

“I had my car under a canopy carport and a very bad windstorm came through the the carport, damaged my vehicle. I went to a Farmers Insurance Reviews 2015reputable auto body repair shop and received an estimate for $3,600. The Farmers adjuster came to my house and said that the damage wasn’t that severe and left me with a check for $1,400. I thought I had a $500 deductible, not $2,200. I’m very upset about this and I’m considering getting a lawyer. This guy doesn’t own or operate an auto body repair shop, but he thinks he’s qualified to disagree with the professionals.” Jan 2015

“Agent was sent email on new vehicle didn’t issue auto insurance until 3 weeks later but no backdated to the date of email. I forwarded the email from my sent box.. He said “I won’t accept it”??????? So how do I prove he accepted a later email on another car. How can I trust the “Insurance Agent” misplace emails or phone calls? Your “Vision Statement” seems to be just words. The Credit Union charged me for insurance which I had already and paid in full months earlier. It cost me $1710.00 plus interest. Besides agent has started insulting me because I changed insurance companies due to him not honoring the email sent to him but has accepted others prior and afterwards. Maybe this will get someone to help.” Jan 2015

“I was in a car accident while sitting at a red light. A guy hit me full speed and pushed me up under the car in front of me. I was hurt very badly in the accident and Farmers took me through a year’s worth of fighting sending me to their Dr where I had to get undressed. Then I had to go and sit for an hour while their attorney interrogated me for their client’s negligence. At the end of the day all I got was my hospital bills paid and 1000.00. I live in Oklahoma.” Jan 2015

“My daughter was hit by an impaired driver. Several physical therapy visits followed. The police report clearly identified the other driver as the at fault driver. Farmers immediately paid for the car loss at about 60% of the blue book value. They refused to pay the very low medical costs. We hired an attorney too late… our fault. Even our attorney lamented that Farmers is the worst insurance company in America. I had policies with them for more than six vehicles and they always refused claims unless I complained to my local rep. This company is pathetic and does not deserve to operate. AVOID THIS COMPANY AT ALL COSTS!”

“I had a 21st insurance policy for years, but they told me that they couldn’t cover my trucks now that they were work vehicles with my personal vehicle and I had to use Farmers to get coverage. Farmers insisted that I had to have separate policies and my insurance cost per year almost doubled (covering the same vehicles). I asked my GL insurer if they could give me a quote and not only could they include both personal and work vehicles on one policy it was about 3/4 of the cost. Naturally I switched over. With 21st if I was late in payment (contracting is not a steady check), they would terminate coverage, but farmers also sent a bill for additional cost and when I went to pay them 27 days after due date they already sent it to collections. Farmers as an insurer has been my worse experience with an insurance company I have dealt with in my 30 years of driving.”

“It’s very simple. At Farmers Insurance they will sweet talk you to hell. One of the worst I ever seen, for small fender bender, I mean Small. They will act like they are CIA agents. Every time you call them this is what you get: “WE ARE STILL INVESTIGATING THE ACCIDENT” (for almost 30 days). THEN IF THEY FIND THEM SELF CORNERED, SIMPLY THEY WILL CALL YOU RACIST. If you ask them “how long this investigation of yours will take”, this was what I got back as answer from Adjuster: “you are asking me to predict the future. Are you crazy, it takes what it takes.”

“I had a head-on collision and sustained permanent nerve damage to my neck. My UM policy limit was $100K and they offered $3k for pain and suffering. I had to sue my own insurance company to get a settlement. My agent took money from me for 22 years and when I really needed them, they said “sorry we can’t help you.” Do not think that low premiums will save you money in the long run. Look at the payout stats online for different companies before you buy. I have AMICA now and they have a good payout rating. That’s what insurance is for–to make it right when you need it. When you have a bad accident, it’s too late to expect all those promises they feed you at Farmers to be true. They aren’t! NEVER use Farmers.”

 

Source: http://www.consumeraffairs.com/

Age discrimination: Farmers Insurance company hit with $749,000 verdict

by Michael Futterman and Jaime Touchstone

A claims adjuster filed suit against Farmers Insurance when she was terminated after returning from a medical leave. A Fresno jury found that Farmers discriminated against the employee based on her age and failed to reasonably accommodate her disability. The jury awarded the employee $749,000, and she may be able to recover her attorneys’ fees as well.

Claims adjuster sues over termination

Farmers Insurance hired Sharron Warehime to work as a claims adjuster in its Visalia office. Warehime, who was 57, had more than 15 years of experience in the insurance industry. Initially, she received good to outstanding job performance ratings and was awarded various professional honors and accolades by Farmers.

Things at Farmers began to sour for Warehime after she was transferred to the company’s Fresno office. Following the transfer, she asked to handle her own caseload rather than working on cases assigned to other adjusters. Her supervisor obliged, allegedly assigning her the largest caseload in the office, including a previously fired coworker’s problematic files.

Overburdened, Warehime eventually requested help and a reduction in her caseload. In response, her supervisor acknowledged that she was responsible for a larger than usual number of files but didn’t reassign any of her work.
On top of the heavier workload, the Fresno office was staffed with younger employees who allegedly began directing ageist comments at Warehime, including “I don’t want to work when I’m your age” and “The old fuddy-duddy is coming in.”

Warehime complained. Her supervisor allegedly responded by conducting “case reviews” on her files, which culminated in Warehime receiving several “warnings” and being placed on probation. When she responded that the negative evaluation of her work was inaccurate and unfair, she was instructed to improve her performance.

The stress at work became so intense that Warehime allegedly suffered a mental breakdown and took a doctor-recommended leave of absence to undergo treatment for depression and anxiety. At the conclusion of her medical leave, her doctor cleared her to return to work, allegedly with a request that Farmers allow her to initially work a part-time schedule. The company didn’t respond to that request, and when she showed up for her first day back, a young man was sitting at her desk. Farmers had allegedly terminated her without notice.

Warehime sued Farmers for violations of California’s Fair Employment and Housing Act (FEHA), including claims for age discrimination, retaliation, failure to provide reasonable accommodation, and failure to engage in a timely good-faith interactive process. After a five-week trial, the jury found that Warehime had been a victim of age discrimination and retaliation and that Farmers failed to accommodate her disability. The jury awarded her $749,000, which included damages for lost wages and benefits.

Warehime also filed a motion to recover her attorneys’ fees. That motion and Farmers’ posttrial motions for a new trial and judgment notwithstanding the verdict are set for hearing in January 2014.

Jury believed employee

The FEHA affords job protection to individuals who are 40 or older and prohibits the harassment of any employee or applicant based on age. Businesses that regularly employ five or more workers on a full- or part- time basis must comply with the FEHA’s antidiscrimination provisions and evaluate job applicants and employees on the basis of their abilities, not their age.

Employers with one or more employees may be held responsible for any acts of harassment committed by their agents and supervisors and are required to take all reasonable steps necessary to prevent harassment on the basis of age. When a job applicant or employee is denied an employment benefit or is the victim of unlawful harassment based on age, the employer may be liable for age discrimination.

However, the FEHA does not insulate older workers from disciplinary action or performance standards administered equally to employees of all ages. Employers may terminate, discharge, demote, or otherwise discipline an employee who is 40 or older if she either fails to perform the normal functions of her job or conform to its legitimate business requirements.

In her lawsuit, Warehime contended that she was treated differently than other employees because of her age, and when she complained to her supervisor, she experienced retaliation through progressive discipline designed to lead to her termination. In response, Farmers argued that she was terminated because she didn’t embrace technology at work, rejected training to become a better employee, and blamed others for her problems when her workload backed up. Farmers also claimed she “low-balled” customers on their claims, leading to increased lawsuits against the company.

Ultimately, the jury believed Warehime when she asserted that she was a “committed team player and good with customer service” who participated in any required training and received positive performance ratings for the first three years of her employment.

Farmers failed to accommodate disability

The FEHA requires covered employers to accommodate an employee or applicant with a known physical or mental disability as long as the accommodation does not cause an undue hardship. In response to a request for an accommodation, covered employers must engage in a timely good- faith interactive process with the individual to determine if any effective reasonable accommodations are available.

Warehime allegedly suffered from work-related anxiety and depression, making her a qualified individual with a disability under the FEHA. She requested that upon her return from medical leave, Farmers allow her to work a part-time schedule as an accommodation for her mental health condition. Rather than granting her request, Farmers terminated her immediately upon her return from medical leave.

Warehime accused Farmers of failing to provide reasonable accommodation for her disability and failing to engage in a timely interactive process. The jury agreed, which likely contributed to the six-figure award. Sharron Warehime v. Farmers Insurance (Fresno County Superior Court, Case No. 08CECG02976).

Bottom line

Complaints of discrimination based on age and disability require a thoughtful response from employers. Firing an employee on the same day she returns from leave is rarely a good idea. The large jury verdict in this case suggests that Farmers acted in an overly aggressive manner without adequate appreciation for the legal and economic risks at stake.

Source: http://hr.blr.com/

 

Greg Abbott Takes Thousands from Farmers Insurance PAC As State’s Lawsuit Against Them Continues

Greg Abbott may have been representing Texas in a suit against Farmers Insurance for the past decade, but that hasn’t stopped him from taking over $125,000 from Farmers Insurance PAC since 2005–including over $75,000 since 2013.

The donations have led to charges that Abbott has “not fairly represented homeowners in Texas” in the suit, reaching a settlement that allows Farmers to charge homeowners too much and not pay interest on millions in excessive premiums.

Abbott’s campaign told the Texas Tribune that, “he does not treat donors differently when it comes to applying the law and that accepting the campaign money is not a conflict of interest.” But as Alex Winslow, executive director of Texas Watch told the Tribune, “It was a sweetheart deal when it was struck in 2002, and it’s only gotten sweeter since then.”

Read more about Abbott’s “sweetheart deal” with Farmers Insurance after the jump.The suit began in 2002, as a result of Governor Rick Perry’s investigation into rising homeowners’ insurance rates. The state’s class-action suit against Farmers claimed the company used “deceptive and discriminatory practices,” including charging “Texas policyholders for natural disasters in other states” and using “credit history as a significant factor for setting premiums without disclosing to customers that the practice drove up prices.” John Cornyn, who was Attorney General at the time, estimated Farmers owed policyholders up to $140 million.

At the time, Greg Abbott was running for Attorney General. The contributions he’d received from Farmers Insurance soon became an issue. When Abbott learned of the state’s investigation into Farmers, he vowed to return all campaign contributions from them, criticizing their policies,

“Texas has become the wild west of insurance gouging and holdups. … Texans will not tolerate deceptive acts by insurance companies or corporations of any type. As Attorney General, I will put an end to rate shock by holding accountable any company that bilks consumers out of their hard earned money.”

In 2003, soon after Abbott took office, a preliminary settlement was approved. The settlement was quickly appealed by advocates for consumers, who argued it was too lenient on Farmers Insurance.

The settlement is still pending, and was brought to light again in April at a Travis County district court hearing. Judge Scott Jenkins called the state’s settlement “deferential” to Farmers and questioned why it “allow[ed]the insurance giant to avoid paying interest on millions of dollars in excessive premiums” that it owed to policyholders.

Said Jenkins, “You don’t just have to lay down to Farmers. Farmers has had the benefit of all that money for more than a decade and the consumers haven’t.”

Meanwhile, as the state’s suit continued, Greg Abbott has been accepting tens of thousands of dollars from the Farmers Insurance PAC. Abbott, who as Attorney General is the lawyer leading the state’s suit against Farmers, has received over $125,000 from Farmers Insurance in the past decade–all while the state has been defending a settlement that is “deferential” to Farmers.

In 2002, Greg Abbott pledged to protect consumers from insurance giants like Farmers. Unfortunately, that hasn’t been the case. Abbott’s money is where his mouth is, and that’s favoring Farmers Insurance over Texans.

Source: www.burntorangereport.com

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

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

A Typical Farmers Insurance Interview

I understand that companies don’t hire every candidate and they have a certain selection process– what bothers me though are these nasty recruiters and hiring managers who just have to INSULT candidates interviewing. let me explain that this has happened to me and a friend of mine who interviewed with this company. now im a sales genius- top seller and performer in various venues….I know everything about the sales process and would be the ideal candidate for a position like what they had. now they don’t have to hire me or anyone but what bothered me is that during the interview process I was actually INSULTED by the hiring manager who interviewed me…oh yes INSULTED and told im quiet oh and that he wasn’t convinced I could sell- im laughing at this as I actually gave a TEN MINUTE dissertation on sales and the sales process and brilliantly described in detail everything which most people would never be able to do. they say they are looking for TRUE sales people yet completely treated me as if im a stupid unexperienced quiet person who has no idea what im talking about yet im a proven TOP performer for over ten years in sales? this was just HORRIBLE- they have NO RIGHT to insult candidates this way or even PUT DOWN their abilities..imo its VERY unprofessional- any dolt with a brain would say this is an exceptional person who understands sales beyond most others yet this jerk manager actually insulted me my speaking ability and my PROVEN SALES ability which is disgusting shame on him! he basically just treated me as if im a stupid female with no brain…what a pathetic loser? to judge and put down someone who is actually EXCEPTIONAL is a stupid and ridiculous thing to do esp if you have a position of power over that person..shame on them..

the problem is– when someone calls you QUIET what they are doing is really trying to socially dominate you and PUT you down in MANY WAYS–especially when you are far from quiet…they are trying to demean you, your self esteem, your speaking ability, your character and in essense are saying they are jealous of you and you will never have a chance around them- most people who are threatened by someone will say this to them…I have spoken with MANY quiet soft spoken people and no one ever insults them and they get hired for many positions yet those who are exceptional, outgoing, and who threaten the idiots in places especially like Orlando where losers cohabitate will wrongly get called something like this just to be insulted for no reason. now a hiring manager or recruiter saying this to someone is just a complete domination of that person- that person has no way of defending themselves except saying “well im not quiet.” really they’ve already lost.. and in essence its almost as if they are now arguing with the person or having to fight and in the end they will lose…the hiring manager is putting this person in a corner really and theres not much they can do…what bothers me about this pathetic interview is that I was told this by the nasty hiring manager who already decided he wanted nothing to do with me despite my brilliant answers and the fact that I spoke so intelligently for many minutes at a time about the sales process giving in depth excellent answers…to call someone QUIET after they have spoken for so long is absurd, unfair, ridiculous and a way of social dominance and utterly pathetic…a candidate can say nothing because the imbecilic recruiter has already decided they have the power and place to insult and socially dominate this person no matter what the circumstance…so the candidate not only won’t get hired despite the fact they SHOULD get hired but they will also be INSULTED and have their self esteem put down by this pathetic imbecile in a management position who feels they can treat the candidate this way because they are a recruiter in a position of power over that person….this was my experience with this company and just AWFUL.

its like telling a surgeron who has performed thousands of surgeries theyre not sure that person can do that…its completely FALSE and makes no sense. what’s worse is that the person I shadowed at the company knew NOTHING about sales and wasn’t even a seller and was horrible- in fact everyone there seemed terrible. Sure the company isn’t obligated to hire me or anyone if they choose not to but they have no right to literally insult candidates as if they have any idea…in fact im sure I could not only outsell the manager but am far better than him and maybe they are threatened by exceptional people but at this place they do not hire exceptional people but they insult them during interviews then reject them. I applied to work for these imbeciles- not only did I have all the qualifications but far exceeded them. I was told by the recruiter that someone wasn’t hired by them because the person gave a silly answer to a basic question..its very strange that someone can give in depth brilliant answers and still be insulted AND rejected. im amazing at sales and its been proven. Top performer at many positions. In my interview- I gave a ten minute dissertation on the sales process, something I doubt ANYONE can do and proved I knew everything about sales. of course because I am a female he had to put me down and say I am ‘soft spoken’ and he’s not sure I can do the position lol! ive been doing TELEPHONE SALES for over 10 years and a proven sales success and he’s telling me he isn’t sure I can sell insurance over the phone? is he crazy? Also I’m a sales GENIUS being able to sit there and analyze everything about sales, my call, the person I shadowed their call – EVERYTHING and this imbecile is saying he’s not sure I can SELL? the sales person I shadowed was horrible and not even a sales rep! He was awful and not even selling and completely stupid and this a**hole recruiter at farmers is trying to put ME down a sales freaking genius and also trying to say im “SOFT SPOKEN” after giving a dissertation on sales?? these managers these days are crazy- it seems they are threatened by exceptional people especially those who are women and its disturbing and disgusting. I think this was gender discrimination as im a pretty female and he just HAD to put me down and mistreat me in this terrible way. I KNEW I wasn’t hired the minute I left- and it’s really weird how recruiters these days are brain dead imbeciles who like to put down the BEST employees or potential employees and they hire complete dolts, stupid people and people who I think are just robots. for a company like this they should have been BEGGING to get a sales rep as good as me and someone not only who is so knowledgable but someone who knows everything about It and has a TON of experience- but no instead the trashy POS sales manager had to INSULT me and put me down even put down my speaking ability which is GREAT and my sales ability and say hes not sure or convinced I can SELL something ive been doing for over TEN YEARS being the TOP REP at every single place ive worked??? someone needs to teach tehse idiots a lesson….they have creeps as hiring managers and really crappy trashy people who insult and put down really amazing people…screw them!

also, once these nasty hiring managers do not hire you once…they will NEVER consider you again because they are in this case JEALOUS or threatened by your abilities and would never even think to hire you however they will hire total idiots who have no ability, no experience and who are horrible at the job!

my advice to people interviewing with this awful company is just act very stupid and sit there silent and act dumb because you will be praised rewarded for it and get hired- if you make a very STUPID mistake, they wont hire you but if you just act stupid and average they will like you and take you. however, if you are exceptional and great, they will insult berate you and then reject you immediately while laughing in your face…it’s a trashy and bad company beware…again what bothers me is that my talents and abilities were falsely INSULTED by the nasty manager rather than be praised for my excellent history and great sales abilities…how dare they do this to people coming in to interview–they try to break random people down? they have no place to do this….tehse people are far underqualified along with the people they hire and use their abilities to undermine demean and insult amazing candidates far above their crappy qualifications and far above their own selves…what a trashy place run by trashy crappy people…what bothers me about these terrible companies and crappy managers that do this is that, they promote STUPIDITY and bad workmanship…rather than praising and promoting individuals with TALENT INTELLECT and ABILITY they insult them during the interview process in turn trying to mess with their self esteem, their abilities…this is horrible really..is this what this society is coming down to–punishing those who are great and exceptional and rewarding idiots with no skills or abilities? this is what disgusts me about practices and companies like these that feel they can treat individuals this way…shame on them and hope they hire more dolts because that’s what that terrible place deserves…

Source: Compaints.com

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