ComplaintsforMissouri Farm Bureau

• Initial Complaint

  06/13/2024

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  From 2-14-24, I called our local MOFB in ***. Grove, ***, to get answers to questions I had, w/regard to everything from WHY the Dodge truck ins. is now ~ $90.00 MORE than last time (we've had NO claims on it, whatsoever)! The office girl said it was a "company-wide policy"; it is a % formula; & will LIKELY APPLY TO EVERY POLICY WE HAVE! If we only insured 2-3 items, the increase would STILL be unreasonable...however, we've insured EVERYTHING w/MOFB for ~25 yrs: that included 2 farms for MOST of those yrs.; 2 homes; several farm bldgs.; 3-4 trailers; & 2-3 vehicles at a time!! We CANNOT afford to be slammed w/increases like that...& there was NO WARNING, WHATSOEVER: NO E-Mail/phone call/letter from MOFB saying this was happening &, even worse, our agent (*************************) NEVER gave us a "heads up" about it!! So, we took ALL of our business (except for 1 policy on our NEW home) away from MOFB & went w/another ins. ***** In settling up our refunds, MOFB did NOT provide the ************** as to how they arrived at each amount...AS REQUESTED!! Very unexpectedly, we received a CANCELLATION letter on the NEW home, which WRONGLY blamed 3 ins. claims on IT, & perpetuated several ERRORS, LIES & MISREPRESENTATIONS which MOST LIKELY will affect the **** of refunds owed to us!!! NOW, WE HAVE NO INSURANCE ON OUR HOME!! Now, I'm holding 2 UNCASHED checks (1 on GARAGE roof & 1 on HOUSE roof) because they were estimated using INCOMPLETE & INCORRECT figures, & LEFT OUT critical items as covered in MANUFACTURER'S INSTRUCTIONS for installing shingles!!! All THIS has to be straightened out, but our ************** DO NOT return calls/E-Mails/or address these issues for MANY DAYS to WEEKS to MONTHS!!! I am now sending FORMAL COMPLAINTS to various individuals directly concerned, including departments or ************************ tasked w/assisting customers (incl. senior citizens) in resolving these long-standing issues!!!

  Business response

  06/20/2024

  Claims:
  With regards to Mr. and Mrs. ******* claims, Missouri Farm Bureau prepared an itemized estimate for each loss.  A portion for one of the claims was not covered, and a detailed partial denial letter was sent explaining why we could not consider that area of the loss. Missouri Farm Bureau contends all areas of the claims have been addressed, and Mr. and ***************** will need to visit with their previous contractor regarding their displeasure in his workmanship/repairs.
  
  Rate increases:
  No company likes to take rate increases.  However, in order to remain financially sound with ability to pay our customers current and future claims,it has become necessary.  High levels of inflation, high frequency of severe convective storms, increased frequency and severity post the ***** pandemic period downturn have contributed to poor experience necessitating the need for an increase in insurance premiums.  This is a global phenomenon with most insurance carriers having to increase rates to cover expenses. We continue to analyze our rates to be sure that they are adequate and competitive.  We recommend to all customers to complete a full review with your agent to review coverages, deductibles and discounts to make sure that all is accurate.
  
  Refunds:
  If any changes to premium are made mid-term or if the policy is cancelled mid-term, we calculate the premium refund pro-rata based on the length of remaining time in the term.
  We use the following calculation:  Earned premium = Total days policy in effect/365.
  To summarize, we charge you appropriately for the coverage that you had in force for each specific period of time.
  
  Reasons for non-renewal of property policy PRO0581712:
  We have reviewed the non-renewal decision for your property.  The claims and construction concerns listed on your non-renewal letter are accurate. The letter advising of non-renewal was mailed consistent with our practice and provided you with the appropriate amount of notice prior to your renewal. Unfortunately, due to the reasons listed on your letter, we cannot continue to insure your property.
  
  County/acreage concern:
  We did have your policy PRO0581712 rated incorrectly regarding the county.  However, the county that your policy was rated for actually had a lower premium so no refund for the county is owed. Regarding acreage, we assess a charge by acreage ranges.  The rate for 69 acres and 80 acres is the same as it falls in the same range.  So, there would be no difference in premium there either.
  

  Customer response

  06/20/2024

  Complaint: **842976
  
  I am rejecting this response because:  H36303**335303**432H DID NOT address ALL the issues in the attached document!!!  For example, their comments about raising rates WITHOUT prior notice to a long-time customer is ABSOLUTELY NOT satisfactory!!!  No explanation was made whether it was for 1 item on the policy...or for every single, solitary item insured on every single solitary policy!!!  No explanation was given for how they arrived at the figure they did!!!  These are only a COUPLE of the PROBLEMS with their attitude about answering questions!!!  They need to go back and READ everything!!!!!  Paragraph #2 was similarly NOT answered; so was #3; #6; #7; #8; #9; #**; #**; #**; #**; #**; #**; #**; #**; #**; #**; #**; #**; #**; #**; #**; & #**!!!!!!!  Finally, on page 6 of my documentation, they FAILED to address the 3 paragraphs listed...which shows their total LACK OF UNDERSTANDING or CARE ABOUT HOW A GOOD CUSTOMER SHOULD NOT BE TREATED!!!!!!!!!!!!!  They LOST ALL OF OUR BUSINESS, and my complaint will be forwarded to EVERY SINGLE DEPARTMENT, AGENCY, WHATEVER... UNTIL THEY SEE FIT TO ANSWER QUESTIONS LIKE A RESPONSIBLE BUSINESS AND CORRECT THE ERRORS MADE...AND RE-DO THE ESTIMATES (BOTH OF THEM!!!!!), USING THE CORRECT MEASUREMENTS!!!!!!!!!!!!!!!!!!!!!!!!!!!!!  BOTTOM LINE:  THEY DID NOT USE ACCURATE MEASUREMENTS ON EITHER THE GARAGE OR HOUSE ROOF(S)...IN ADDITION TO NOT INCLUDING THE ***** ROOF!!!!!!!!!!!!!!!!!  IF THEY ARE ADULTS AND CAN READ, WRITE AND CALCULATE, THAT SHOULDN'T BE IMPOSSIBLE TO DO!!!!!!!!!!!!!!!!!!!!  THEY CAN COME BACK OUT AND MEASURE EVERYTHING AGAIN, AND START OVER!!!!!!!!!!!!!!!!!!!!!!!!

  Sincerely,
  
  ***********************

  Business response

  06/21/2024

  Missouri Farm Bureau stands by our handling of the claims, and underwriting of this policy and will not change our position.  We will prepare a detailed letter for our insured.

• Initial Complaint

  05/03/2024

  Complaint Type:

  Sales and Advertising Issues

  Status:

  Answered

  More info

  I had a bathroom remodelled by their insurance, Finish Line Construction. Due to their negligence, we had to file against their insurance, Missouri Farm Bureau Insurance, for damages. Claim: BOP ***********. It was handled by an adjuster in office initially then moved to a field adjuster, *************************. She came to the home and we communicated regularly. On April 4, 2024, she spoke with me about damages, asked for a few additional pieces of paperwork and said she can get this wrapped up quickly for us. That was the last time I spoke with her. In the last month, I have called twice and left voicemails, emailed her three times checking in, checking on the status. I have been ignored every time. If the claim won't be paid, I should receive it in writing with an explanation. I have NEVER had a real company ghost me like this. She was very kind and helpful and then something happened April 4th and she has ignored us ever since and that is unprofessional and unacceptable. I want the claim paid out as promised or, at the very least, a reason for the denial and a reason/apology for the ghosting of us.

  Business response

  05/14/2024

  Missouri Farm Bureau has prepared an estimate of repair for the damages to ******************** dwelling caused by our client as well as the damage to ******************** personal property.  An estimate has been sent to ******************** along with a Property Damage Release.  Once ******************** has signed the Property Damage Release we will extend payment as outlined in the Property Damage Release.
  
  Thank you,

  Customer response

  05/16/2024

  Complaint: 21664368
  
  I am rejecting this response because:
  
  Yes, I received the estimate and payment AFTER filing a BBB complaint. Lossees should not need to jump through these hoops for you to do what is required of you. I should not have been ghosted and this should have been settled a month ago. I appreciate BBB for being the fire under these companies to do their jobs and make things right.
  
  Sincerely,
  
  ***************************

• Initial Complaint

  03/15/2024

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  A tree in front of my house was uprooted during a windy day and it fell on my roof causing 4 holes on March 3, 2024. I was advised to tarp the roof and someone should be out within a week to look at the damage for an estimate. It is now almost two weeks and I have yet to receive any update on my claim, nor has anyone been out to look at the damage. Due to safety issues I had to pay a company to come cut the tree back so that I could stay in my home because the tree was literally only held up by my roof and I was advised it wasn't say to stay here as it could cause more damage if the tree happened to break or move while leaning on the roof. I called the claims rep regarding all these details and she advised me to send her all the pictures, videos, and receipts as proof the tree was on the house which I did a few minutes after our call. This was on March 11, 2024. Since then she has not responding stating she received the information, nor has she answered my call inquiring about the hold up on someone coming out for an estimate. I can't call anyone for repairs until I receive the estimate and I'm stuck with a home that has holes in the roof during the beginning of rainy season. I called customer service who said someone should have been out within 48 hrs so I'm not sure what the hold up is but even just some regard towards my situation and an update on when I should expect the inspector would've helped put me at ease but instead I have been tryingignored. I just don't understand what is going on and I feel defeated on getting any support through the situation from insurance.

  Business response

  03/22/2024

  Shortly after receiving the notice of loss, Missouri Farm Bureau's adjuster contacted our insured and went over the claim process.  An inspection of her property was performed on March 19, 2024.  After the inspection our adjuster wrote an estimate for the damages and settled the claim in accordance with our insured's policy conditions.  A copy of our detailed estimate was emailed to our insured upon issuing settlement.  Missouri Farm Bureau has closed the above claim.  If you need additional information, please let us know.

• Initial Complaint

  09/05/2023

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  I filed a claim for an accident that occurred on 6/17/2023. I was not at fault. The insured driver was insured by Missouri Farm Bureau. As of today 9/5/2023 I still do not have my car back. It is not ready at the collision center and Missouri Farm Bureau is demanding I return the rental on 9/8 even though the repairs are not complete, leaving me without a vehicle. I may have to seek legal counsel to resolve this matter. They should cover my rental until the car is repaired completely. I have reached out to them several times for updates and had to contact the adjust myself to get the initial appraisal and supplement approved. This third party adjuster they use, called ********, is incompetent and contributed to the delays in repairing my vehicle.

  Business response

  09/07/2023

  Missouri Farm Bureau has agreed to authorize *** ********* rental until September 8, 2023.  This is over and above the allowable rental for repair time based on the labor hours shown in the original estimate and the supplement.  The adjuster was advised by her shop in late July the parts for the vehicle had arrived and the repairs were moving forward.  To date, Missouri Farm Bureau has authorized 75-days of rental.  We feel this is beyond ample time to complete the repairs to her vehicle.
  
  Thank you,

• Initial Complaint

  08/04/2023

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

   I had 3 55 inch TVs that were damaged.  They did not give me the full amount needed to replace them. The only gave me 254 dollars.  I called and spoke with ***** about my issue and it has not been resolved

  Business response

  08/15/2023

  *** ***** filed a claim with Missouri Farm Bureau for vandalism to some of his personal property.  We reviewed the items he claimed and paid in accordance with his policy.  Mr. Davis contends he has not been paid for the full replacement cost of his items.  Per *** *****’s policy he will need to replace the items, and then provide us with the receipts/invoice for review and consideration.  *** ***** will have180-days from the date of initial payment to make the replacement cost claim.
  
  Thank you,

• Initial Complaint

  06/20/2023

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  Insurance company is withholding money for depreciative value after required repairs were made

  Business response

  06/29/2023

  Mr. ******** filed a claim for damaged to his property that was the result of a recent storm.  Missouri Farm Bureau’s adjuster inspected the property and issued payment for the Actual Cash Value.  We advised Mr. ******** once the roof was replaced, he could submit the invoice and make the replacement cost claim.

  
  Upon reviewing Mr. ********’s invoice for the completion of the damages, it was determined he replaced the damages for less than our initial payment.  Based on this documentation there would be no additional holdback payment.

  
  Since the repairs were done for less than what we have already issued, Missouri Farm Bureau will not be able to issue any additional payment to Mr. ********.

• Initial Complaint

  06/12/2023

  Complaint Type:

  Order Issues

  Status:

  Answered

  More info

  I have a policy on a ranger boat I was out on the lake and the top of the boat is busted and  3 pieces in total need to be repaired. I went to a boat specialist and they told me 1800 dollars for the repair costs in total. I got a check from my insurance adjuster in the amount of 246 dollars and I called to discuss but they didn't return my call.  My agent finally then sent her an email and the claims adjuster called and said I would only receive 798 in total for the repair of my boat.  This is not sufficient to repair my boat and needs to be adjusted to cover all parts  including labor.

  Business response

  06/20/2023

  On May 15, 2023 Mr. **** ****** **. filed a claim under his Missouri Farm Burau Boat Policy for a broken cowl hood to his 2002 Mercury Outboard Motor.  The adjuster assigned to the file requested Mr. ****** supply us with an estimate for review.  Upon receiving Mr. Fisher’s estimate, we advised him the cost to repair the hood was double what it would be to replace the hood.

  
  Missouri Farm Bureau revised Mr. Fisher’s estimate and issued payment to him in accordance with his policy.  Shortly afterwards we received notice of additional damage to the lower hood.  An additional payment was issued to Mr. ****** for this portion of the motor.

  
  Mr. ****** is requesting Missouri Farm Bureau extend payment for repairing the hood, but it is more cost effective to replace the hood.  Per the policy Missouri Farm Bureau will pay to repair or replace, whichever is less.  Payment has been issued to Mr. ****** in accordance with his policy language.

• Initial Complaint

  10/25/2022

  Complaint Type:

  Customer Service Issues

  Status:

  Answered

  More info

  My car was damaged by an individual insured by Farm Bureau automobile insurance on August 12, 2022. Missouri Highway Patrol handled the report and submitted the other driver's insurance, report, and pictures of the damage. I attempted to contact the individual handling the claim through Farm Bureau ****** ******) multiple times. She did answer my call twice, but never returned my messages either left directly with her or with others at Farm Bureau that told me they were emailing her my request for a call. The response when I did speak with her was that their insured driver had not responded to the claim, but would not account for attempting to establish liability. It really felt like I was getting the run around. The second time I was able to get ahold of her she said to have State Farm (my insurance company) begin the subrogation/arbitration process. This was well past the 60 mark of the incident. After attempting to call, and leaving messages twice today with still no response, and mentioning that it had been far past 60 days and that I was feeling the need to file a complaint with Missouri Department of Commerce and Insurance, I finally received an email stating they were denying the claim. I feel that this was mishandled from the start. I also feel like this was done, and perhaps is done to other as well, to avoid paying out when someone cannot afford to pay their deductible and have it go to arbitration through insurance companies, in the hopes they will just drop it. I feel it is unethical and poor business on the part of Farm Bureau. I tried to presume positive and be understanding of the wait time until we got past 60 days beyond the date of the damage.

  Business response

  10/27/2022

  “Please accept this as response to *** ***** ********** complaint.  Missouri Farm Bureau’s investigation into this accident determined our insured was not legally liable for *** ********** damages.  The investigation into this accident lead to conflicting statements from the parties involved, and we have denied *** ********** claim.
  
  Thank you,”
  

  Customer response

  10/27/2022

  Complaint: ********
  
  I am rejecting this response because: I understand that their client is denying fault. However, here is a Highway Patrol report that shows pictures and that their insured driver is who caused the damage to my car. Moreover, it was also unacceptable that they responded to my claim a couple of months after the car was damaged. It did not appear that they had made any attempt to contact the other driver to establish liability. The Farm Bureau agent in charge of the claim told me to just have my insurance take it to arbitration, before even attempting to establish liability. The day I called to inquire as to why I still had not heard anything and mentioned filing a complaint, they were very quick to send me an email denying liability. 
  
  
  Sincerely,
  
  *** ***** ********

• Initial Complaint

  08/03/2022

  Complaint Type:

  Customer Service Issues

  Status:

  Answered

  More info

  My farm was burned by arson. My home was broken in 2 days prior. urinated and defecated all over my master bed, and walls. 2 of my horses were killed by the neighbor's pit bulls, as well as hundreds of chickens and guineas. The woman next door called me a week prior threatening me saying "I didn't know what I was messing with". This was due to me fighting back stating I was going to shoot the pit bull running my property & harassing my horses. The deputy agreed to round my farm on Mon/Tues randomly due to me being out of town. The neighbors know my schedule as it hasn't changed for a yr. We are isolated & I was gone like usual. The mailman saw my house on fire, saw 2 neighbors on my property leaving, the deputy was pulling in for a random check, & put 2 building fires out. ***** ******** didn't respond to me for 7 days, accused me of being incompliant, being argumentative & angry. She blocked me when I told her that she should be addressing me differently. She is a nice person, but I have the right to say I don't like the way I'm being spoke to. The attorney for FB *** ***** also stated similar remarks and that I hung up on him. We spoke about it & I explained to him that I couldn't speak then as my surgeon was standing in front of me, I was holding my 1 y.o. granddaughter, my house burned down, & I was being told I needed yet another surgery. I was upset. I had to hang up the phone because my surgeon wouldn't wait another second of me saying "I can't talk now". This alone is how I was graded on for personality & I've been ignored since. I have received no help from FB & I haven't had any responses from my adjuster. No replies from the attorney since his part is done; but I was told to go through him only. I emailed a'b the check sent to me; no reply. see attmt. I have requested help with living expenses & hotel & no reply. I was told they were paying off the mortgage. I have made June, July, and now August payments. I was sent a check. see attmt for details.

  Business response

  08/10/2022

  As the complainant mentions in her complaint, her “farm was burned by arson.”  Specifically, on May 23, 2022, certain structures, vehicles and trailers on the complainant’s farm were intentionally set on fire.  The complainant subsequently presented a fire loss claim under her Farm Bureau insurance policy.  Farm Bureau immediately commenced an investigation into the facts and circumstances surrounding the claimed loss.  Farm Bureau’s investigation is ongoing and no coverage determination has been made to date.  Given the incendiary nature of the fires, and the issues involved, Farm Bureau’s investigation has been extensive and thorough.  Farm Bureau has a duty and obligation to all of its policyholders to ensure that this claim is legitimate prior to issuing any payment to the complainant.

  Farm Bureau respectfully disagrees with the assertions made in the complaint.  Farm Bureau has responded to all pertinent communications from the complainant in a timely manner.  In doing so, Farm Bureau has complied with all applicable insurance statutes and regulations.  Farm Bureau will continue to communicate with the complainant as required by applicable insurance statutes and regulations.  Farm Bureau paid off the complainant’s mortgage in a timely manner, as required by the terms and provisions of the insurance policy. 

  Finally, it should be noted that Farm Bureau is awaiting receipt of certain documentation, which the complainant has not provided to date.  The complainant’s production of this documentation is a condition precedent to coverage under the insurance policy.  The claimant has requested additional time to provide this documentation, and Farm Bureau has agreed to her request.  Once the claim investigation is complete, and upon receipt of the outstanding documentation, Farm Bureau will make a coverage determination and the complainant will be advised accordingly.  
  
  Please do not hesitate to contact me if you have any questions or wish to discuss this matter.  Thank you.   
  
  Robert Brady  |  Principal
  

  Customer response

  08/17/2022

  Complaint: ********
  
  I am rejecting this response because: *** ***** is either protecting ***** ******** because he believes what she is saying, and she has been lying about several statements about me from the beginning. Or he is perpetuating a fabricated story to protect Farm Bureau and ***** because he is aware that she is lying about these statements. I am very sure he is lying about the statement regarding paying off the mortgage and not knowing what happened. *** called me and I recorded the call. I have it saved with a .mov file type. I can't load them. If you will send me a link or email that will allow .mov files I will send you 3 files from *** discussing exactly what happened with the payoff to the mortgage. After ***** said she couldn’t get *** to work with her, I got the information in one day. I then sent it to the attorney. I had to repeat this again in one week because he ignored me. After I repeated this, I sent it to him again. I was told by *** that the check was received but she (*****) didn’t follow instructions and sent it to the wrong place. The check was sent back to me on the 22nd of July. I spent 2 ½ hours on the phone with them. I paid August mortgage because of this mistake plus the 500$ extra I have always sent. I called them and asked them what was the solution to this problem? They said it was Farm Bureau’s fault and nothing they could do. I was sent a survey and I completed it. The customer care center called me and that is what I recorded and want to send to you. They described perfectly what happened and that Farm Bureau committed the first error and that is how it became the mess it was. I asked the person if she listened to the entire 2 ½ hour call and she said “yes”. I asked her if I was ever rude, mean, or out of line. I also asked her if she noted the female that was rude from their side. She said that the female that was rude to me was also rude to another person in their department. She further stated that I was never rude or spoke out of line. Therefore in 2 1/2 hours of trying to fix Farm Bureau’s problem on a Friday evening while I was in a truck traveling, recovering from a bone reconstruction surgery on my face, I still never treated anyone badly.
  
  
  ***** stated she offered me an advancement. This is not true. I believe she recorded our time together. I would like them to send that to you. Also, she stated I was rude to her. I would like her to send you anything that supports this. She didn't respond to me for 7 days after the fire and didn't have time to talk to me when I did call. I went by the local office and got information from the person at the front desk. I called her from there. She was in the mountains and said she had no signal. I told her I had severe ******** and I had memory problems and she gave me no email follow up or phone call follow ups. She stated she called and left me a voicemail. I don't show this on my end. She stated that I would have to go through *** ***** for everything at that point. I called or emailed him and would not get a response to ANY of my questions. Not ONE of my questions were answered except in a bulk email after a month or longer. He stated that they could not start the claim process until they received my inventory list. I don’t know how much insurance I have on anything. I can’t read the paperwork and understand it so I asked my friend at State Farm for help. All I remember is I have 180,000 for contents. So, I put down 180,000 worth of stuff on the form. I don’t see why I should have to put ALL my contents on there. I have so much more but I am not getting anything for it so why should I spend the time writing down and researching my items across ******, *****, *****, ********, ******, etc. I found this so hard to get this information that I ended up choosing items that were easy.  To circle back to the advancement, I did ask ***** for an advancement later through the attorney and was told no.  ***** also stated that I have stated that I told her I was living with my daughter rent free and that I needed no advancement. This is 100% false and a complete lie.
  
  Sincerely,
  
  ***** *******

  Business response

  08/25/2022

  This will confirm receipt of your correspondence dated August 17, 2022.  Please allow the following to serve as Farm Bureau’s response to the additional correspondence BBB received from the complainant.

   

  At this time, Farm Bureau’s investigation of the complainant’s fire loss claim is still ongoing, and no coverage determination has been made to date.  Farm Bureau is working to complete its investigation as expeditiously as possible.  Since the date of my last correspondence (my August 10 email below), the complainant finally submitted a list of personal property, albeit incomplete, she contends was damaged as a result of these fires.  The list was submitted on August 12, 2022, and Farm Bureau is in the process of reviewing same.  Farm Bureau is also obtaining statements from witnesses who may have pertinent information, including the individuals whom the complainant has accused of setting these fires.  As noted in my prior email, Farm Bureau has a duty to all of its policyholders to conduct a thorough and complete investigation.  Farm Bureau must perform its due diligence in situations such as this where the loss is the result of arson.

   

  The complainant’s purported issue regarding her mortgage is simply without merit.  Farm Bureau paid off the mortgage in a timely manner, as required by the applicable insurance policy conditions.

   

  The complainant’s additional correspondence to BBB contains numerous misstatements and inaccuracies.  Needless to say, Farm Bureau disagrees with the assertions made therein.  Neither the undersigned nor any representative of Farm Bureau have ever provided the complainant with any inaccurate information.  No representative of Farm Bureau has ever made any negative statement regarding the complainant to *** ********** or anyone else.  Farm Bureau has responded to all communications from the complainant in a timely manner, and will continue to do so.

   

  Please do not hesitate to contact me if you have any questions or wish to discuss this matter.  Thank you.      

    

   

  Customer response

  09/02/2022

  I am waiting on a letter from a witness to add to this. She is providing it asap. Please allow me to add this to my case. If I’m not able to this please disregard though this will show that Ms ***** ******** is caught in yet another lie. I live by the fact that if someone lies about little things, I can’t trust them about anything especially big things. This is a huge thing in my life. These are the people that helped me or was supposed to help me in my paperwork and all the stress with getting coverage on my farm after it burned down from arson. Instead they didn’t help and treated me terribly

  At a minimum can you upload this evidence into my case to be considered? I’m not able to let this go with Farm Bureau. They have ruined my name in this town.

   

• Initial Complaint

  06/07/2022

  Complaint Type:

  Service or Repair Issues

  Status:

  Resolved

  More info

  On Wednesday night, April 27th, a speeding motorcycle with no light makings whatsoever, slammed into my 2018 Buick Encore, and totaled it. I was driving legally, he was driving on a suspended license among other things. My ********************** company threw me under the bus and faulted me at 100% because I didnt yield to something that wasnt there. About a week after my first accident, my insurance company took my statement as a formality because, without doing any kind of simple investigation, I was automatically guilty. I have gotten a newer car taken care of. If it wasnt bad enough, as soon as the company lazily dumped on me, nobody except the receptionist at my local office, has talked to me. I cant get my agent, ***********************, to call me back and the adjuster, ********************* will not respond to phone messages or emails. I need my insurance company to call me back! This was a very serious accident and I believe I have the right to the information they have regarding the accident. I want Farm Bureau, whom I have been with for about 25 years, to call me back! I am going to have to pay out of pocket by hiring a lawyer to get the information my insurance company should be giving me!

  Business response

  06/14/2022

  On April 27, 2022 *********************************** was involved in a motor vehicle accident.  As a result of the accident ****************** elected to have an attorney represent her.  Per her attorney all communication was to go through him, and we could not speak with her.  On June 7, 2022 Missouri Farm Bureau received confirmation that Ms. ******** attorney was no longer representing her, and a letter was sent to ****************** regarding information about this accident.  We understand ****************** does not agree with our liability position but we will not change our position.

  Customer response

  06/15/2022

  Complaint: 17329594
  
  I am rejecting this response because:
  
  I pay to have an insurance company take care of and protect me from the money hungry lawyers.  I reported the accident to Farm Bureau the next morning. From then on, if I didnt call, I got no information. *********************, my adjuster, seemed to have already made his judgement before hearing my side. I call him and send emails and he never answers me and am quite sure he doesnt like me.  This was not the cut and dry accident they are making it out to be. The cyclist was not visible on the road. The question is, if I saw anything, I would not have turned. That is common sense. 
  There was no investigation done which only hurt me. I could not have been doing more than 5 mph. If someone would have investigated, they might have proven that he was speeding since it knocked everything back in the front end, broke the motor mounts and knocked the engine back 2 inches. But nobody has done anything to represent me, I dont recall getting any paperwork in the mail. Maybe if I did have the paperwork it would answer some questions. But I dont have that information. My agent had no information on my case. 
  Then last week I got a letter from Farm Bureau saying they will only pay so much and are then going to let me hanging because they advised I get my own lawyer - HE CAUSED THE ACCIDENT!  
  I have never felt so abandoned in my life.  I thought when I pay for insurance, they are supposed to protect me. So right now I feel like I am in a ghost town.  
  I have a case, it would just cause ************* or an investigator because I pay to be protected.  Because I was faulted 100% the illegal cyclist is being given a blank check to get as rich off of his illegal driving. 
  I dont believe I am being represented to the extent I have been paying premiums for over 25 years and as soon as there is an accident, they are nowhere to be found.  Because of this illegal cyclist who caused the accident, I am now set up to be sued out of my house and what little I own. I am on disability for severe neck pain and back problems. I am on a very fixed income and simply have nothing he can take. 
  There was a comment that I received information about the accident. I have not received any information. I have not one shred of information about the wreck. I dont feel represented by this company.  I did get the money fo the totaled car and the everyone folded up their chairs and went away.  

   

  xx

  *********************************.
  Sincerely,
  
  *******************************

  Business response

  06/16/2022

  We have called ****************** regarding her complaint, and explained the situation with her.  She is now aware of claim process and understands our position.  Should you have any questions or concerns please let us know.

  Customer response

  06/16/2022

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
  
  Sincerely,
  
  *******************************

*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. ↩