ComplaintsforFarmers Insurance

• Initial Complaint

  07/20/2021

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  7XXXXXXXXX-X On December 8th, 2020 a lady crashed into my parked car in a parking lot. My 2021 Toyota Tacoma TRD Pro was only a couple weeks old at the time. The Farmers Insurance adjustor advised me there would be no accident on my Trucks Carfax because the truck was stationary when the accident happened and I would not have to worry about loss of value in the future. 5 months after getting my vehicle repaired I wanted to trade it in for a full size truck and I found out they the Farmers representative lied about the accident not showing on Carfax. I immediately filed a diminished value claim to recoup the $***** dollars in value that I suffered from the accident. Farmers Insurance denied the claim, Stating I didn't lose value with an accident on my trucks Carfax. This is a lie. Attached I included photos showing Carvana will pay me $***** less because of the accident. Also, most people won't buy a truck with an accident. Everybody wants to see the Carfax report.

  Business response

  08/17/2021

  Business Response /* (1000, 5, 2021/07/29) */ Mr. ****'s claim was reported to us on December 8, 2020, after his vehicle was damaged in a parking lot accident with our insured. It was subsequently determined our insured was responsible for Mr. ****'s damages, and payment was issued for the necessary repairs to his vehicle totaling $818.50. Recently, Mr. **** contacted us requesting consideration for diminution of value related to his vehicle being involved in the accident. Mr. **** mentioned one of our representatives advised him the accident would not be reflected in Carfax's data, and we apologize if he was provided inaccurate information in this regard. Mr. **** provided information from Carvana as referenced in his complaint. We reviewed this information and completed our own research as well. In doing so, we determined his claim for diminished value is not supported. Mr. ****'s vehicle sustained only minor cosmetic damage to its rear bumper in this case, and the damaged component was replaced. In short, our research found no concrete evidence that damage of this nature would cause a diminished value loss. I am sorry we cannot respond more favorably. Consumer Response /* (3000, 7, 2021/08/03) */ (The consumer indicated he/she DID NOT accept the response from the business.) The reason for the Diminished value has nothing to do with the extent of the damage that was done by the client of Farmers Insurance. The sole reason for the claim was the fact that my almost Brand New truck now has a reported accident on its Carfax Report. Every person that buys a vehicle asks about its accident history in order to make a decision to buy or not to buy. Most dealers will provide a copy of the Carfax to their customers to PROVE to them the vehicle has not been in an accident. Many dealers won't buy vehicles at all that have been in a reported accident. The reason an accident on the Carfax diminishes the cars value is when a person wants to buy a TRD PRO and finds one with an accident and one without an accident, that person will buy the one that has not been in an accident. The only way that person will buy the TRD PRO that was in a previous reported accident, no matter how big or small, is if the seller discounts the truck to an amount that the buyer can't refuse. In my case, this is at a minimum of $4,000. I was confirmed this with a dealer as well who confirmed they pay less because of the accident if they buy it at all. This comes straight from the Dealer who deals with issues like this every day. It is disheartening that Farmers Insurance is so Greedy that they will not handle this issue appropriately. If Farmers Insurance does not settle with me I will take this case to small claims Court and let a judge make the final decision. Business Response /* (4000, 9, 2021/08/06) */ We are in receipt of your email dated August 4, 2021, regarding additional correspondence from **** ****. Within the correspondence, Mr. **** expressed continued dissatisfaction with the outcome of the claim, specifically surrounding diminished value. We appreciate the opportunity to respond. We respectfully maintain the settlement amount provided to Mr. ****'s for his damages were appropriate and the request for diminished value is unsupported. As no new information has been received, we are unable to change our outcome at this time. We regret we do not have a more favorable response. Should Mr. **** have any new information, we would encourage him to contact the claims office directly and we would gladly review with him.

• Initial Complaint

  07/19/2021

  Complaint Type:

  Billing Issues

  Status:

  Resolved

  More info

  I was sent a collection notice 6/22/21 in the amount of $129.50 for balance owing on our cancelled insurance. ****** I called farmers ******** service on 6/28/21 asking why I was just getting this notice, *****, transferred me to another agent and she could not give a breakdown. She said she would have to research and get back to me. ******* never got back to me and our agent ****** did not understand why it took so long to get the bill. We cancelled the homeowners insurance in August 2020 when we sold the house. By time they figured we still owed them money, they only tried to reach us by mail at our old address which we did have a forwarding, on 3/28/21 according to Farmers. No other attempt was made before sending the bill to collections. No attempt to contact our agent to see if she had update information. I would like to a full breakdown of charges and explanation as to why only one attempt was made for contact. Need collection notice removed.

  Business response

  08/04/2021

  Business Response /* (1000, 5, 2021/07/29) */ Case: XXXXXX To Whom It May Concern: Thank you for notifying Farmers of the concerns presented to the Better Business Bureau. We appreciate the opportunity to respond to this inquiry. As an insurer, our intention is to always provide our policyholders with excellent service, and we regret the difficulties this ******** encountered. We have spoken with our ******** directly and followed up with her by email, which explained our findings. We also provided the policy and billing documents that were related to this matter. The ******** has our contact information should she have any further questions. We thank you for your time and attention to this issue, and we apologize for any inconvenience that we may have caused. If we can be of further assistance, please contact us. Consumer Response /* (2000, 7, 2021/08/01) */ (The consumer indicated he/she ACCEPTED the response from the business.) There was a lot of miss communication going on. Once they sent the appropriate paper work in writing, it was easier to understand and no miss communication.

• Initial Complaint

  07/19/2021

  Complaint Type:

  Customer Service Issues

  Status:

  Answered

  More info

  see Attached document Click here to Get the File - use the Password: **************************************************************

  Business response

  08/10/2021

  Business Response /* (1000, 6, 2021/07/29) */ To Whom It May Concern: Thank you for notifying Farmers of the concerns presented to the Better Business Bureau. We appreciate the opportunity to respond to this inquiry. Records confirm that the new business premium increased, because we did not receive the consumer's Uninsured/Underinsured Motorist Coverage waiver. In the state of New Mexico, this coverage is mandatory and must be rejected in writing. Our review confirms that the consumer was advised to complete his new business documents within 14 days of the inception date. Unfortunately, as the forms were not received, the coverage was added to his policy, which resulted in a premium increase. As a courtesy, we have emailed the forms to the consumer. We encourage him to sign them and to forward them back before 07/30/21. If it more convenient, he may bring them to his assigned agency or fax them to (XXX) XXX-XXXX. Additionally, we have placed a 60 day hold on further collections activity to allow sufficient time for resolution. We thank you for your time and attention to this matter, and we apologize for any inconvenience this matter has caused. If we can be of any further assistance, please contact us.

• Initial Complaint

  07/19/2021

  Complaint Type:

  Order Issues

  Status:

  Answered

  More info

  Our farmers agent ******* Bell in MN didn't perform his due diligence and was negligent with our homeowners insurance.We had full comprehensive coverage with replacement cost coverage from XXXX-XXXX.In 2010 we reached out to our agent for a lower premium with the same comprehensive and replacement cost coverage.We also made him aware we were getting quotes from other insurance companies..At the time he only discussed a difference in deductibles and quoted us a lower premium.We moved to a new home in 2015 and he again rewrote our policy.For all this time we have been under the impression that we were paying for a full comprehensive coverage with replacement cost coverage.We had a hail damage to our roof and was shocked to find out we only have an Actual Cash Value coverage for that.If we had known that our policy wasn't full coverage we would have changed it immediately because we never agreed to pay for partial coverage.None of our insurance document ever listed ACV as a coverage.

  Business response

  08/09/2021

  Business Response /* (1000, 5, 2021/07/22) */ We are in receipt of your email dated July 19, 2021, concerning an inquiry received from our policyholder ******* ****. In the inquiry, Ms. **** expressed dissatisfaction with the settlement outcome of her claim as her policy does not include replacement cost coverage. We appreciate the opportunity to review the matter and respond. After careful review of the information known to us, we respectfully maintain that the actual cash value determination was appropriate, and the correct settlement amount was applied. During the claim's investigation, Ms. **** indicated that she believed her policy included the replacement cost coverage benefit. An investigation into her policy determined no company error occurred and the actual cash value coverage would apply. We value Ms. **** as a ******** and regret we do not have a more favorable response. Should Ms. **** have any questions regarding the coverage investigation, we would encourage her to contact the Coverage Supervisor. Consumer Response /* (3000, 7, 2021/07/26) */ (The consumer indicated he/she DID NOT accept the response from the business.) We are rejecting the response from the business because their agent failed to do what we asked of him.We asked him for a full comprehensive and replacement cost coverage and that is what we thought we had this entire time.We aren't licensed insurance agents so we can't be expected to comprehend complex policy language.He's the one who writes our policy and he's supposed to advise us about our coverage.We trusted him to insure our home so that we were fully protected.He never explained that we only had partial coverage.None of the communication documents from Foremost Insurance ever mentioned anything about our homeowners insurance being an ACV coverage.Their agent misled us to think we had a full comprehensive coverage. Business Response /* (4000, 9, 2021/07/28) */ We are in receipt of your email dated July 26, 2021, regarding additional correspondence from our policyholder ******* ****. Within the correspondence, Ms. **** expressed continued dissatisfaction with her Foremost agent and the handling of her policy. We appreciate the opportunity to review and respond. We respectfully maintain that no company error occurred, and that the claim had been resolved appropriately. As no new information has been received, we are unable to change our outcome at this time. Should Ms. **** have any new information, we would encourage her to contact the claims office directly and we would gladly review with her. Consumer Response /* (4200, 11, 2021/08/08) */ (The consumer indicated he/she DID NOT accept the response from the business.) We were under the impression we were paying for a full comprehensive and replacement cost coverage.We asked our agent for that coverage but quoted us something different.We aren't licensed insurance agents so we can't be expected to comprehend complex policy language.Our agent writes our policy and is supposed to advise us about our coverage.None of our homeowners insurance documents mentioned anything about our insurance being an ACV.

• Initial Complaint

  07/14/2021

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  Since 03/22/21, several efforts have been made via emails and telephone calls to many Foremost departments. They were contacted in order to inform them that a relative has committed fraud against our family in the most ******* **** For starters, she proceeded to have a home insurance policy underwritten 10/30/21 with them as none of the family members had any awareness of the blatantness. I have provided them with legal documents that support our claim. The specifics would entail too many details for this intended purpose which is bringing attention to their unethical business practices. This relative had an agent who is well-connected to her underwrite the policy. They were made aware of their family connection in 03/21. During these 4 months, no one has bothered investigating this relative's mutual exploitation and connection with the agent, name forging on illegal documents, and brazen submission of inadmissible court records that were obtained in 11/19 litigation proceedings.

  Business response

  07/22/2021

  Business Response /* (1000, 5, 2021/07/15) */ To further assist with the investigation request we would need either a policy number and/or name of the individual who is named on the policy as well as the location address insured. Consumer Response /* (3000, 7, 2021/07/15) */ (The consumer indicated he/she DID NOT accept the response from the business.) On July 15, 2021, the business provided the following information: To further assist with the investigation request we would need either a policy number and/or name of the individual who is named on the policy as well as the location address insured. ********************************************************************************************************************************************************************************** Business Response /* (4000, 9, 2021/07/21) */ On March *** **** ************** provided a Power of Attorney document which identifies ******* ******* First Individual with Control, as having the Power of Attorney. *** *********** is listed as one of six (6) children however not as having Power of Attorney. Foremost requested documents to show who the Executor of the Estate is as there was no will, documents were not received. For Foremost to be able to discuss the policy with *** *********** we would need the Power of Attorney, ******* ******* to call in and advise it is Ok or the documents which show that *** *********** is the Executor of the Estate of ***** *** ****** Consumer Response /* (4200, 11, 2021/07/21) */ (The consumer indicated he/she DID NOT accept the response from the business.) July 21, 2021 As previously stated, there are far too many details to include within this complaint. The following was thoroughly explained to Foremost in an initial telephone call on March 22, 2021. "During these 4 months, no one has bothered investigating this relative's (1) mutual exploitation and connection with the agent, (2) name forging on illegal documents, and (3) brazen submission of inadmissible court records that were obtained in 11/19 litigation proceedings." This stems from ******* ****** (who is not a biological heir to the property) obtaining a home insurance policy in October 2020 without the biological heirs' knowledge as we became aware of March 2021. (1) The initial insurance underwriter has a family connection with ******** (2) After speaking with the initial agent who has a family connection with ******** I was informed that my name appears as having "witnessed" information on court documents. I've never been a witness on any court records that ******* has in her possession which clearly doesn't support the forging deception. (3) Last but not least, ******* submitted court documents from November 2019 where she was granted power of attorney for only two biological heirs who were not present during the legal proceedings. "Does Foremost not see anything immorally or unethically wrong with this situation?" Desired Resolution: Investigate & provide family members with copies of the paperwork that was submitted to Foremost; reprimand the initial agent; & take whatever measures they need to within Foremost's realm (against the person who had the policy underwritten).

• Initial Complaint

  07/13/2021

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  I got into a car accident with a driver insured at Farmer's Insurance on 7/1/2021. I immediately contacted my insurance. Within the week, my insurance got statements from myself, the other driver and has requested the police report. As on 7/13/21, I have not heard from Farmer's Insurance to give my statement. I called Farmer's Insurance to spoke with ***** ******** I simply asked Ms. ******* for an update on the claim and kindly expressed my concern that a representative from Farmer's Insurance has not contacted me yet. *********** did not appear to be knowledgeable about the process and was subsequently unprofessional and condescending. I unfortunately was rear ended not too long ago, and had to deal with this insurance process. And it has never taken this long to give a statement. I understand things take time, however two weeks and no contact with Farmer's Insurance is ridiculous.

  Business response

  08/05/2021

  Business Response /* (1000, 5, 2021/07/15) */ Dear Better Business Bureau, Thank you for your correspondence concerning a matter brought forth by ********* ******. In her inquiry, Ms. ****** expressed dissatisfaction with our handling of the above-mentioned claim. We take the ******** experience seriously and escalated Ms. ******'s concerns to our claims leadership team. We are pleased to confirm on July 14, 2021, we were able to obtain contact information for Ms. ****** and she has been contacted regarding her claim. We regret any frustration Ms. ****** has experienced as a result of the delay. If she has further questions regarding her claim she can reach claims supervisor ***** ****** at (XXX) XXX-XXXX or claims manager **** ****** at**************** Sincerely, ******* Insurance Exchange ***** ********* ****** ******** ********* Consultant Claims ******** *********

• Initial Complaint

  07/13/2021

  Complaint Type:

  Customer Service Issues

  Status:

  Answered

  More info

  see attached Click here to Get the File - use the Password: ******** https://bluecomplaints.bbb.org/attachment/?c=XXXXXXXX

  Business response

  08/12/2021

  Business Response /* (1000, 5, 2021/07/26) */ To Whom It May Concern: Thank you for notifying Farmers of the concerns presented to the Better Business Bureau. We appreciate the opportunity to respond to this inquiry. We have conducted a thorough review of our database and did not locate any policies that have been issued for this consumer. However, we have contacted our agent regarding this issue and was advised that the consumer's information had been obtained from a third-party vendor that provides agencies with insurance marketing information/leads. The information provided was used to only generate an auto and renters quotes and the information was not sold or otherwise communicated to any unaffiliated third parties. We have taken the liberty of placing the consumer's name and address on our Do Not Mail/Do Not Contact list. While the information has been added, it may take up to 60 days for this information to update within our database. We have also instructed our agent to remove the consumer's information from any third-party marketing lists utilized by their local office. We will provide a written response to the consumer as requested. We thank you for your time and attention to this matter, and we apologize for any inconvenience this matter has caused. If we can be of any further assistance, please contact us.

• Initial Complaint

  07/10/2021

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  My insurance policy with Foremost is a ****** More specifically, I have extensive water damage to my home and have a legitimate claim. Foremost has refused to lift a finger. I changed my policy in 2017 and the Foremost agent told me I still had comprehensive coverage. I am legally blind and have no idea what the written policy reads. I feel that elderly folks like myself are victims of Foremost-their policy covers nothing and is double talk.

  Business response

  08/03/2021

  Business Response /* (1000, 5, 2021/07/23) */ Ms. ***** filed two claims for water damage to her home resulting from a plumbing issue. Claim XXXXXXXXXX was filed on July 6, 2021, and claim XXXXXXXXXX was filed on July 11, 2021. During our initial conversation with Ms. *****' son, **** ******* regarding the first claim, we noted and explained the policy covers losses on a named peril basis, and water damage is not among the named perils. The claim was subsequently declined. The second claim was filed for coverage under an endorsement for sewer and drain backup damage in effect on the loss date. However, our investigation revealed this incident was not the result of a sewer or drain backup, so the coverage provided by the endorsement does not apply. Specifically, this loss occurred when a sink drain line in the home became disconnected due to wear and tear. After receiving your notice and discussing the matter with Mr. ******* we opened a coverage investigation regarding his concerns with the policy provided to Ms. *****. In doing so we found no evidence of an error on the agent or company's part, and it was determined the agency provided the coverage/policy in question to Ms. ***** at her request in an effort to limit the amount owed for her premiums. Our ******** has been so advised and our files are closed.

*Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business. ↩