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Interested in becoming a Farmers Insurance Agent or a Farmers Insurance Adjuster?
If you do nothing else with this site, read the stories of the following
While you are at it read what former Farmers Insurance Senior Adjusters Robert Dietz and Christy Klein had to say about the company, you will be
On the one hand Farmers Insurance pressures its State Offices, District Managers and Agents to
Farmers Insurance is one of the
“My car was stolen, completely stripped, and declared a total loss by Farmers….I always expect insurance companies to resist paying claims and to lowball, but I have to tell you, I never expected them to deliberately falsify information to attempt to defraud me! They should lose their business license for this!!!”…”Farmers hired an independent appraiser, at their cost, to appraise my vehicle. The appraised value is $6,795, a whopping $2,400 or 55% greater than Farmers’ original offer.”…”So, all you insurance victims out there, make sure you file your complaints with your state’s insurance commissioner so they have the data they need to take legal action against unscroupulous insurance companies.” See Post 6/26/2006
Save money on insurance with Farmers Insurance? Think Again! “Sure enough the agent told me that my rates would be about $250.00 a year cheaper then what I was currently paying.”…”When I received my bank statement for April, they took out $214.89 instead of the agreed upon rate.”…”Within two weeks I received a cancelation notice”…”Word of mouth is everything in this town, I can’t see them (Farmers Insurance) lasting here more than a couple months, and if I had my way the entire corporation needs to go out of business.” 5/14/2007 Farmers Insurance Complaint Forum (3rd Post Down)
Farmers Insurance’s Lowballing Bad Faith Underhanded Tactics: In this post Barbara states: “Joann Jackson, a CAT adjuster from Louisisana was sent to Arizona to look at our house. She spent a little less than an hour there, and per her request we had our GC there because she “really didn’t know structural damage”. Hello? Why did they send her when they knew our devastation to our home?”…”She gave us 5900.00 for the damage. She closed our claim, and she lied and said we did not have asbestos in our house after a drying out company ordered the test.”…”
“I urge everyone to leave Farmers. Don’t think these things won’t happen to you, your turn just hasn’t come around yet. But it will just when you need it most. Farmers does not put you back where you belong they just try to put you in your place, This should be evident by all the complaints and class action law suits.” See Post (at bottom)
” I know this testimonial pales in comparison to the other real shaft jobs that Farmers has been listed as doing on this website. It is just the point, that if they will screw you on the little one’s, you can bet your bottom dollar they will screw you on the big claims. This site is unreal. How does a company stay in business operating like this? I am going to send a link to this site in every personal e-mail I write for the next year. ” Farmers Insurance Complaint
“I lost my apartment due to being unable to work, then they all but accused me of having my truck stollen to collect the insurance… WTF? I reported them twice to the Texas Dept of Insurance for taking so long on the claim just to get them to even process the claim. TDI had a very low opinion of them and gets so many complaints about Farmers, they were like.. Oh.. Farmers again… ” Farmers Insurance Complaint
“I hate Farmers Insurance – I have dealt with them in the past and they suck then, and they suck now! They take forever to process a claim, they don’t return phone calls, and I had to call them because I got tired of waiting to receive a call regarding the accident. Again, Farmers Insurance is not an insurance company I would recommend to anyone in the future!”…”What are my rights to not receiving this “Voucher” or even telling them where my car is being repaired? Is it their business?” See Post
“I spent a month last year in
“My wife was transported from
Insured says Farmers Insurance… You can kiss my @$$ “If you have ever considered getting insurance from Farmers Insurance, do yourself a favor and look elsewhere. What commodity does insurance deal in anyway? Trust… trust is the commodity of the insurance business, and Farmers Insurance can only be trusted to do one thing. Take your money with a smile, then cut and run when the chips are down.” 1/29/07 See full post
“On 12/19/05, I had a fire in my 3000 sq ft custom built home. There
See more Farmers Insurance Complaints (or submit one yourself)
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Latest Information about Farmers Insurance! I will add my latest posts to this site: Farmers Insurance Information. Feel free to share your story in our Forum!
Please Sign the Petition to Hold Insurance Companies Accountable in Michigan!! Read how Bristol West, which is owned by Farmers Insurance, stopped all of Kecia Milliner’s personal injury protection for her five year who was hit by a speeding car and dragged from one driveway to the next. Read/watch story about Bristol West Insurance | Sign the Petition
Farmers Insurance Automatically Cut 20 Percent from Claims “As a former senior claims adjuster for Farmers Insurance Exchange and a nationally recognized claims practices expert, I know firsthand to what lengths insurance companies will go to save money by not paying claims. Many insurance companies tie employee salaries and bonuses to practices that encourage and condone the delay, denial, underpayment and forced litigation of claims.”-Robert Dietz
Watch video of Robert Dietz (former Senior Claims Adjuster for Farmers Insurance) despite Farmers Insurances push to stop R-67 in WA state it passed)
Farmers Insurance Internal Memos Released! According to memos from Farmers Insurance, Dietz and his colleagues’ salaries and bonuses were tied to practices that encouraged the delay, denial, underpayment and forced litigation of claims. One document encouraged adjusters to settle small claims below their value, adding adjusters should learn “…to say “sorry, no more,” with a toothy grin and mean it.” Make sure to read this document! This was taken from : Farmers Insurance Colossus Internal Memos!!
Farmers Insurance Urged Employees to Pay as Little as Possible on Claims Farmers Insurance Group of Los Angeles, the nation’s fifth-largest auto insurer, had run nationwide promotions urging its employees to increase profits by paying as little as possible on claims.” In June the North Dakota Department of Insurance fined Farmers Insurance $750,000. “Farmers gave employees goals to tighten payments and handed out bonuses when they met the objectives, the department found. Farmers’ campaign, which included brochures and pep talks, had slogans such as “Quest for Gold” and `Bring Back a Billion.'”. Farmers Insurance Urged Employees to Lowball Claims 12/27/07
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Typical Farmers Insurance News
Farmers Insurance Life Insurance “It had been over three months since my stepfather’s passing, our agent washed his hands clean of the situation, and the claims adjustor wouldn’t speak to us. Even though my mother had opened all medical records back in January”…”It was official, Farmers was being untruthful and was in fact holding up the claim.”..”Beyond the disrespect and unprofessionalism of the agents involved, my mother and I experienced a great of stress that came with living on a very limited budget and facing the prospect of losing our home.”..”What it came down to was this: if we hadn’t applied pressure on Farmers, they wouldn’t have paid.” See full story at Farmers Insurance Life Insurance
Ventilator-Dependent Quadriplegic alleges Farmers Insurance’s administrative policies have introduced fear, paranoia, frustration, intimidation, anger, despair, and extreme tension. See letter: Farmers Insurance refuses to pay bills
Farmers Insurance won’t pay for 83 year olds Monsoon Damage “We think they failed us,” says Lucinda’s daughter, Quenna McCraney. ” She’s been paying insurance here for 30 years and never filed a claim.”. Farmers Insurance “waited two weeks, found a small amount of mold and stopped covering the entire loss, even though there is no dispute this is a storm damage claim and loss,” 9/20/07 Full story at kvoa.com or Watch the Video!
North Dakota Insurance Commissioner fines Farmes Insurance a record $750K for Shortchanging Auto Insurance Policyholders Jim Poolman, N.D Insurance Commissioner fined Farmers Insurance $750K, the largest insurance company penalty in state history. “Poolman says Farmers Insurance had quotas for denying claims and assuming some were fraudulent. He says payments for some injuries were set according to predetermined ranges and weren’t based on the merits of the claims. Poolman says the pay of some Farmers Insurance employees was pegged to whether they kept their insurance payouts down. He says it was an incentive to treat policyholders unfairly.” In addition, Farmers instituted a goal to close a set percentage of claims without payment.” 6/28/07 kxmc.com| nd.gov | Farmers Insurance Consent Order | Farmers Stipulation & Waiver | Market Conduct Exam
Farmers Insurance (Zurich) had the most complaints in Washington so it wasn’t a surprise that Farmers Group (Zurich) was the top contributor (over $1.5 million) to repeal a law that would make it easier for people to challenge denied claims. See: R67 videos
Farmers Insurance Settles with California State for Violations “Farmers Insurance Group has refunded $1.4 million to holders of homeowners policies in California and has agreed to pay a $2 million fine. The settlement is part of the state’s efforts to make sure that homeowners are not penalized for what is commonly known as “use it and lose it” practices in the industry where policyholders who make claims lose their insurance or end up paying more for it. Farmers blames it on the darn computer.” Among the many violations, Farmers Insurance often violated its own Property Experience Rating Plan rules by incorrectly surcharging a policyholder for claims that either were not claims or were otherwise not eligible for surcharge under the Property Experience Rating Plan. 9/5/07 For a full list of the violations see: centralvalleybusinesstimes.com
Farmers Insurance Fights Law that would Make it Illegal to Treat Customers Unfairly Farmers Insurance spent over $1.8 million dollars to fight a Washington state law that would make it illegal to treat customers unfairly. R67 was eventually approved by the voters in November 2007. Coincidentally, Farmers Insurance/Zurich had the most reported complaints to the Washington State Dept of Insurance in 2006. See Washington R67
Farmers Insurance Diminished Value/Car Rental Lessons Learned One man who considered taking Farmers Insurance to court over Diminished Value of his car wrote, “I also was so pissed at how the whole thing went over that I typed up a pretty detailed lessons-learned memo talking about how to approach Diminished Value cases (and rental car reimbursement). It’s a long read, because there are so many ways to get screwed” See Farmers Insurance Diminished Value Lessons Learned and Diminished Value Letter.
Boycott Farmers Insurance! Make Cards, Make Signs, Tell a Friend
Farmers Insurance Agent dumps files containing personal information in garbage Farmers Insurance Agent Greg Wolfe dumped some files containing personal client information — such as Social Security numbers, canceled checks, copies of driver’s licenses and more into a downtown trash bin. Included in the files was a large stack of quote sheets among the recovered documents, each one containing the Social Security numbers and names of current or potential clients. 9/19/07 nwanews.com This isn’t the first time farmers insurance client information was found in the garbage, “The documents in the trash ranged from insurance policies to bills. And they all seemed to originate from the same Farmers Insurance office”…”Among the information contained in the documents found in the trash were Social Security and phone numbers, and addresses, most of them clearly labeled “confidential.” kcra.com Gees I may have to go out and buy some Farmers Insurance Identity Theft Coverage!!
Homeowners Find Insurance Companies Routinely Pay Less Than Policies Promise ” Insurers often pay 30 percent to 60 percent of the cost of rebuilding a damaged home – even when carriers assure homeowners they’re fully covered, thousands of complaints with state insurance departments and civil court cases show.”…”An internal e-mail introduced in the Farmers lawsuit shows the company had pressured its adjusters, whom it calls claims representatives, or CRs, to pay out smaller amounts – and rewarded them when they did. “As you know, we have been creeping up in settlements,” David Harding, a Farmers claims manager, wrote in an e-mail to employees on Nov. 20, 2001. “Our CRs must resist the temptation of paying more just to move this type file. Teach them to say, ‘Sorry, no more,’ with a toothy grin and mean it.” Harding praised a worker for making low settlements. “It can be done as Darren consistently does,” he wrote. “If he keeps this up during 2002, we will pay him accordingly.” 8/12/07 journalnow.com
Farmers Insurance CEO Paul Hopkins to District Manager Paul Drockton – Don’t talk to agents, staff and employess about these issues After President’s Council Farmers Insurance District Manager Paul Drockton notifies current CEO Paul Hopkins about alleged Mormon discrimination, “Sexual Harassment” and “Religious Persecution” involving Farmers Agents, Hopkins replies “now do NOTHING regarding this issue…” and “you must continue to discharge your responsibities as business as usual without any discussions with agts., staff, and/or employess regarding these issues…”.
Farmers Insurance Employee with no proof of insurance? Jeanne Medina, who was driving a Farmers Insurance Dodge Magnum, was cited for not having proof of insurance and cited for a turning violation after cutting off a motorcycle. The motorcycle driver was airlifted to Thomason Hospital in El Paso. 5/30/07 lcsun-news.com
Farmers Insurance Denies Coverage, Claims Arson A fire occurs at the Canton Super Buffet Restaurant in Ava. Ban T. Nguyen submits a claim to his insurance company Farmers Insurance. Farmers Insurance then files suit against Nguyen alleging the fire was intentionally set and that someone concealed or misrepresented facts about the fire damage.5/21/07 news-leader.com How is that for getting you back where you belong? This isn’t the first time Farmers Insurance denied a claim and accuses the victim of arson. Tom alleges this is a tactic Farmers Insurance frequently uses to low-ball or deny a claim. Also Paul of Prescott Valley, AZ told his Farmers Insurance adjuster, “…I told him that he had no right accusing me of arson.” Paul’s Story
Farmers Insurance fined in Oregon for Breaking Law Farmers Insurance and sister company Mid-Century Insurance Co were each fined $20,000. “Examiners found more violations at Mid-Century than at Farmers, including the failure to investigate claims in a timely manner and the failure to adequately document claim files. Mid-Century also failed to settle claims timely and fairly when liability was reasonably clear, examiners found. Both Mid-Century and Farmers failed to meet standards for settlements when a vehicle is determined to be a total loss. For example, the companies wrongly used cars that weren’t comparable by body style or mileage to estimate values.” oregonlive.com 4/12/07
Farmers Insurance Lowballs Mother and Deceased Unborn Child (This is Ethel Adams all over again) “Take Tosha Mowry’s case: In October 2005, she was 26 weeks pregnant. Mowry’s boyfriend, Mario Urzua, fell asleep driving her 2001 Lexus sedan near Warm Springs on U.S. 26. Urzua drove across the barrier, severely injuring another motorist and Mowry. Mowry was hospitalized with injuries to her head and uterus as well as a fractured clavicle. Her unborn baby died the following day. Mowry carried a “100/300” policy with Farmers Insurance—meaning she believed she’d get up to $100,000 per injured person, and up to $300,000 per crash involving her car.
Farmers Insurance lowballs House Fire“the insured’s were offered $245,000 by Farmers for a $619,000 loss. This was just one scenario, in which Farmers would pocket the additional monies over the $245,000 in the policy needed by the homeowner for his loss. Others told of Farmers pocketing or trying to rip off insureds for varying amounts but usually $100,000 and up”. Farmers Insurance Lowballs House Fire
Farmers Insurance Destroyed My Life “On July 11th 2006 the Sawtooth fire destroyed my home.”…”I feel I have been completely railroaded by Farmer’s even if I do not win in court I will do everything and anything to prevent this from happening to other family’s” Farmers Insurance Destroyed My Life 1/20/07
Farmers Insurance Group has Worst Complaint Ratio “The Star’s analysis found that policyholders had filed 1,450 complaints nationwide over credit scoring in the last three years. Of those complaints, Farmers Insurance Exchange of Los Angeles topped the list…” “Farmers Insurance Exchange also had the highest complaint ratio among the 20 largest home insurers. In all, consumers filed more than 1,000 complaints against Farmers Insurance Exchange over claim delays, low-ball offers and other issues.” Farmers Insurance Exchange is a subsidiary of Farmers Insurance Group. 12/10/06 KansasCity.com
Toxic Wreck Forces Family Out Of Home, Farmers Insurance Forces Them Back In A truck carrying 4,000 gallons of acid came slamming into the home in January. “After the wreck the Ochoa family moved into a hotel, but now Maria says their insurance company, Farmers, is forcing them to return to their Ceres home – even though the house still has damage.”…”8 months after the accident their backyard remains trashed. Neither the fence, nor the brick sound wall have been replaced. “Would you feel safe with all this here? It breaks my heart that they’re forced to live like this,” added Maria.” See Video | Read Story 9/30/2006 Then in other news Farmers Insurance is advising “its customers suffering damage or having to evacuate their homes and property from the Day fires to immediately contact their Farmers agent or the Farmers 24 hour claims hotline” Our question is why?? So Farmers Insurance can tell them they have to return to their home like they did to the Ochoas? Farmers Insurance is the Worst!
Homeowners claim Farmers Insurance not paying for tornado damage Kevin M. and Debbie J. Hazlett are suing Illinois Farmers Insurance Co. for refusing to pay a five-month-old tornado damage claim. The Hazletts also claim a contractor they hired estimated that the home’s damage exceeded $1 million, but that a software program used by Farmers estimated the loss at $470,791.07. The Hazletts claim Farmers Insurance is guilty of “compelling policyholders to institute suits to recover amounts due under its policies by offering substantially less than the amounts ultimately recovered in suits brought by them.” Madisonrecord.com 9/7/2006 Editor: Welcome to the world of Farmers Insurance claims. They deny claims, lowball claims and force you to file a lawsuit to get what is rightfully yours. If you have Farmers Insurance Beware! Drop Farmers Insurance before you need to file a claim, view a list of alternatives to Farmers Insurance.
Farmers Insurance encourages it’s people to underpay claims “Please let your readers know that we recently entered into a public settlement with Farmers Insurance Exchange. On behalf of our client we claimed Farmers delayed care and payment for care. The claim settled publicly for $200,000.00. During this case I uncovered substantial evidence that Farmers encouraged it’s people to underpay claims and thus act unreasonably.“…”- Keith Frankl | $200K Settlement Agreement (583K download) Great job Keith! Posted 4/20/06
Farmers Insurance Bad Faith Lawsuit “I have previously sued Farmer’s and gotten a $950,000 verdict for bad faith which did not include punitive damages when Farmer’s refused to pay my client on an uninsured motorist claim when she was hit by a drunk driver who ran a redlight and she recieved a mild head injury.” – David Sheller | See Verdict (636KB) Posted 5/4/2006
Courts Should Protect Insureds Against the Fine Print “Farmers’ reading of its own policy is quite self-serving and inaccurate…Too often, insurers take advantage of insureds who pay premiums to a “name” insurer and just assume that the coverage is fair and reasonable. Instead, it comes down to reading the fine print when an accident occurs and the complicated insurance language suddenly becomes more meaningful. Insureds are then surprised to find the company that they’ve been so loyal to is instead finding ways to contort the language to avoid coverage and payment under the policy.” Full Story Posted 5/4/2006
Farmers Insurance News 2007
Farmers Insurance News 2006
Farmers Insurance News