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.”
“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!!”
“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