ComplaintsforMissouri Farm Bureau

• Initial Complaint

  06/01/2022

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  I was sitting at a light minding my own business. When I was hit from behind at 45 mph nearly taking my head off and shoving us into car in front of us . They paid me promptly on my vehicle but I have hospital bills that have made it to collections because they don't handle business properly. This may be a discrimination issue because after Joplin tornado there was much shady things covered up by not only this company but it's employees. And I have been a pain in their side before . Regardless I filled out all medical releases and forms I was not even given or mailed I had to get them from my other injured person in car. My question is why not check on people ur company is responsible for paying u already admitted fault just pay me I have no insurance and can't afford chiropractor or anything. You just hope I will give up this is getting more expensive by the day because of lack of follow up on anything. No contact no help no care this company is an investment company that takes ur money invests in things and makes profit on keeping claims low and basically has full controls of the insurance governor. My losses are mounting by the day . This happened in December before Christmas so I had no car and missed countless events not only from pain but we had no car no rentals to be had . So I was stranded this is just icing on the cake not getting any response email anything. Money makes things go away including me my stuffs not cheap neither is urs . Look up my losses cut me a check or this could get way more expensive. This company's lack of attention to their one job is really astonishing. My guess they lost my forms I mailed directly to their main office so im probably at square one still . Ur move I figured this may get something going if this doesn't we move on to the next level.

  Business response

  06/07/2022

  "On December 14, 2021 Mr. ****** ******** was involved in a motor vehicle accident with a client of Missouri Farm Bureau.  Mr. ******** claims he sustained an injury as a result of this accident, and has filed a claim against our insured’s policy.  At this time we are still gathering the necessary medical bills, records, and information and are not in a position to assess Mr. ********’s claim. " 

  Customer response

  06/12/2022

  Complaint: ********
  
  
  I am rejecting this response because: that definitely was a response, which is the only communication I have received from this company not a phone call email letter. so whatever they are looking into is easily available and if I was looking for answers you know I might ask the injured person hey we are reaching out to assess ur losses but nothing from them .I wouldn't insure my bicycle with this company.
  
  
  
  
  Sincerely,
  
  
  ****** ********

  Business response

  06/14/2022

  At this time claim is still "OPEN".

  Customer response

  06/16/2022

  Complaint: ********
  
  
  I am rejecting this response because: these doctor bills are effecting my credit not because of any fault of my own . What is the value of a person's credit score time injury and completely ignoring me . I called from the accident site to make sure he was insured . They admitted fault I literally for the life of me don't know why they are delaying this there is no denying this I have financial losses . Their service after the tornado was worse than the tornado and service after accident is horrible. Still no call nothing . What's funny is they claim to be for missouri and farmers but I am both and have seen none of that.
  
  
  
  
  Sincerely,
  
  
  ****** ********

• Initial Complaint

  03/26/2022

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  ing and explaining how things were going to be covered and the process of how we were going to be reimbursed for all out items that were destroyed and trashed in the process. I had many conversations with **** ***** about the process of filling out the content sheet, so I can get my items reimbursed. She kept saying my stuff was covered from day one. If I had known that they weren’t, I would have had my dad bring out a trailer, and I would have gotten all my things out that day. The problem is, **** ***** kept claiming that my stuff was covered, so another company came in and damaged contents out or sent them to storage. I lost a lot of items, because she kept saying my stuff was covered. During the last conversation I had with her, she was still saying my stuff was covered if **** ******* signs my content list. I believe the claims representative made a mistake, and I believe Farm Bureau should replace the items I lost, because she caused me to experience a huge loss. She kept assuring me that my stuff would be covered, and it wasn’t.

  Business response

  03/29/2022

  The insured was paid for the damage to the insured vehicle August 6, 2018.  In a conversation with her adjuster Brian, she was advised to contact the company where she has her rental/homeowner policy and file a claim for the "personal property'.  A letter denying the "Personal Property" has been mailed today.

  Customer response

  05/23/2022

  I recently submitted a complaint, but didn’t see a response to my actual complaint. I did, however, receive a letter in the mail in April 2022 dated March 2020, and I’m now wondering if that was supposed to be the response. I hesitate, because it was about a claim from summer 2018 when my car was broken into. I’m resubmitting my complaint, because that wasn’t at all what I was referring to. The incident I’m talking about was one at *** * **** ******** ****** ***** *** **** ******* had a house fire on May 12, 2020, and I was living there at the time. **** ***** came out and spoke with us about the whole process of itemizing our content, reimbursement for our content, fixing the house, etc. I spoke with Mrs. ***** many times to ensure we were able to get all our trashed items reimbursed and how to fill out the content sheet. From day one, she has said my items were covered. If I had known they weren’t, I would have made other arrangements. Even the last conversation I had with her on May 10, 2021, she was still claiming my items would be reimbursed. I have had to replace everything I had, because my items were either trashed or taken to a ******* facility, and I had nothing. If Mrs. ***** had given different information, I would have had my dad bring a trailer down and gotten all my items out of the house the day of the fire or the day after. Instead, I was assured several times not to worry, the insurance would cover everything.

  Business response

  05/23/2022

  On May 12, 2020 Missouri Farm Bureau’s insured, Mr. **** ******* sustained a fire loss to his home located at 833 W 57th Ter, Kansas City Missouri.  We have settled Mr. ********* claim in accordance with the conditions of his policy.  Ms. ****** ******** claims she was living at Mr. ********* home at the time of the loss, and Missouri Farm Bureau advised her personal property items were covered under Mr. ********* homeowner’s policy.  This is incorrect as Ms. ******** does not meet the definition of an insured under Mr. ********* policy, and therefore we are unable to extend payment for her personal property.

  Customer response

  05/23/2022

  I am rejecting this response because:
  Missouri Farm Bureau had been telling me for a year that my possessions were covered under the policy. The last conversation I had with **** ***** was on May 10, 2021, and she was still telling me my possessions were covered. If that’s not the case, please return all of my possessions back to me. I want all of the salvaged and non-salvaged items back. I have photos of all possessions. Missouri Farm Bureau and their employee, **** *****, should have known their own policy. Instead, false information was given.

  Business response

  05/24/2022

  “Although Ms. ******** may not agree with Missouri Farm Bureau’s position, she does not meet the definition of an insured and we could not provide coverage for her.  Ms. ******** contends the restoration company (******* – Lee’s Summit) still has her personal belongings.  Although there is no coverage for Ms. ******** we will request ******* contact her about returning her items.”

  Customer response

  05/27/2022

  Complaint: ********
  
  I am rejecting this response because:
  
  At the time I met with the adjuster, she said my stuff was covered. If she would have told me my possessions weren’t covered, I would have had a trailer down and loaded my stuff up. So Farm Bureau instructed ******* to remove my possessions, disposing of several things. Therefore, Farm Bureau is responsible for returning all of my possessions. If Farm Bureau can’t return them, they need to replace them. 
  
  Sincerely,
  
  ****** ********

• Initial Complaint

  02/28/2022

  Complaint Type:

  Customer Service Issues

  Status:

  Resolved

  More info

  On 2/10/2022 my vehicle was hit by a person insured with Missouri Farm Bureau i contacted my insurance ******* ****** immediately after the accident, the farm Bureau insured that hit me didn’t provide me with any of their contact info. It was determined that i am NOT at fault for the accident they only contacted me when my insurance informed them i want to file diminished car value claim many days after the accident. My car is a luxury vehicle the closest facility to fix it is far away . They refused to pay for towing above a certain limit and also for a comparable car rental . They said they would total my car only after i filed diminished value claim . In the meantime my insurance company ******* ****** was moving forward with the process . Once Farm Bureau mentioned my car is totaled and they would pay for a new one i immediately stopped any repairs before being initiated. Now my car is kept in the collision center and will not be released since farm Bureau wont pay for towing and storage of parts . They are very unfair and slow on processing only want to safe money not considering i am not at fault (hit while waiting in traffic lights) . Dealing with farm Bureau is more traumatic than the accident i had .it has been very difficult for me to carry out my daily activities or go to work after the accident . I need my normal life back .

  Business response

  03/07/2022

  Missouri Farm Bureau has not delayed in handling or contacting Ms. ***** ******.  We contacted Ms. ****** a day after the accident, and our auto representative spoke with her after receiving her estimate and photos.  Based on our knowledge and expertise, we determined her vehicle to be an economic total loss.  Please note in her correspondence to your office she states she filed a claim with her carrier and her insurance carrier was moving forward with the repairs.  Missouri Farm Bureau never authorized repairs to her vehicle, and we are NOT responsible for any parts being ordered.  With regards to the towing and storage fees, Missouri Farm Bureau is paying for the towing fee and up to 10-days of storage once we have secured a Property Damage Release from Ms. ******.

   

  If Ms. ****** is not pleased with our service she has the option to proceed with her carrier

  Customer response

  03/07/2022

  Better Business Bureau:
  
  Missouri farm Bearu were able to finally resolve my situation, thank you for co-operating with me . 
  
  Sincerely,
  
  ***** ******

• Initial Complaint

  12/22/2021

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  I had an accident on 12/8. The young man who hit me got out his car gave me a name and number. He then left the scene of the accident (which is considered a hit and run when someone leaves the scene, and you have no idea who they are). My friend who was also in the car snapped a picture of his car and the temporary tag that was on his car. The police arrived and took a report. I called my insurance company and stated I had an accident and everything that took place. I spoke with ***** ****** (the insurance adjuster) and she stated I needed to get my car towed to a shop to get estimates. Which I did and the shop gave me an estimate of the repairs. ***** informs me that if the owner or operator of the uninsured motor vehicle cannot be identified then my car damages will not be covered. Now mind you we don't know who the young man is all I have is what he told me and what I told the police. The police (Dellwood police) department were no help at all. I asked if the temporary tag could be traced, and they came back and said it's not coming back to a person with the name you gave us. Well, that wouldn't be my fault it's a hit and run. I have full coverage I make my payments on time, and I'm told nothing will be covered. Why because of a bogus lie that they are telling, how would we know if the driver who hit me is insured or not. IT WAS A HIT AND RUN. I called my insurance agent (mind you my mom has been with this company for four years and has homeowners' insurance and car insurance with this same company and has referred people) Mr. *** ***** who was just as rude and disrespectful as *****. He stated to my mom that I should be thankful that her daughter wasn't hurt and as he previously stated it will not be covered with this coverage. I've never in my life heard of such a thing when it's a hit and run. I would advise anyone who's considering this company to consider otherwise. It has been a complete disaster trying to find a way to work.

  Business response

  01/06/2022

  Insured was advised that she did not carry "Collision Coverage", as she reported.   But did carry "uninsured Motorist damage to your auto".  At this time we have not learned who the driver of the other vehicle was, and until we can locate the driver we cannot move forward with this coverage. At this time the claim is still open.   It is the insureds responsibility to know the coverage that they carry.  

• Initial Complaint

  11/29/2021

  Complaint Type:

  Customer Service Issues

  Status:

  Answered

  More info

  I was in a crash in New Bloomfield MO 65063 on September 21st 2021. The driver at fault pulled out in front of me and we collided. There was a police report filed. The driver of the other vehicle was not the owner of the car, however the owner of the car did have insurance. I contacted their insurance company to file a claim. 2 months later after numerous phone calls from me to them (most unanswered I did get 2 short voicemails) I was told they couldn't get the police report or a statement from the driver. I offered multiple times to provide them with the crash report showing that their insured was at fault due to "external distractions". I then received a letter saying my claim was dismissed as their insured was not liable. I have contacted them twice via phone and once via email since this letter and have not heard any response.

  Business response

  11/30/2021

  Ms. ***** was contacted this morning and the issue has been resolved.

• Initial Complaint

  11/04/2021

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  My son sold his car on August the 3rd 2021 due to car issues and had already picked out a new one. Once the new car got delivered from out of state a mechanic stated he didn’t think the car was worth the price and it would need a new transmission soon so we sent it back. Finally got him a new car in October which took longer than expected due to the lack of inventory. Prior to him getting the new car our insurance agent ***** ******* tells me we need to put him on mine till he gets one via text. Told her I was on vacation at the time and he was in the process of purchasing a new one but okay. Once she texted back that it was going to cost $700 extra a month to add him I said no, that is absolutely ridiculous. We can just wait till he gets his car. ***** ******* decided to undermine my refusal and add it on anyway!!! This was last month in October. My insurance bill is 138.99 a month. When I received my November bill it was 1,436!!!! Obviously I’m outraged at this point. Never signed anything agreeing to this and literally told her no and she did it anyway! I have been calling all week to get this figured out and taken off my bill. ***** is refusing to take it off stating it’s their company policy which seems to me absurd and fraudulent. How is it okay to just put something on someone’s bill without their consent and he is not even driving my vehicle!

  Business response

  11/17/2021

  March 2021 – *******’s son totals vehicle – Farm Bureau pays claim
  April 2021 – The son gets new vehicle, new policy is started
  Sept 8th - ******* stated that her son had sold the vehicle back on 8/3/2021. The agent backdated cancellation and Farm Bureau issued refund for premium paid.
  Sept 29th – Agent contacted ******* informing her that because he did not have a vehicle of his own, he would have to be rated as a driver on her vehicle.  This is standard procedure for any insurance company.   Every driver in a household must be rated on an auto insurance policy.  Her response was “You can put him as a driver on mine.”
  Oct 1st – Agent let ******* know that she added the son to her vehicle and the new rate was $720.20/month.
  Oct 6th – ******* responded saying that she had been on vacation, and that ******* would be purchasing a new vehicle soon and wanted to hold off on rating him on her vehicle. Agent explained that the change had already been made, but to let me know as soon as he got a new vehicle so she could move him to the new one and get her rate back down to original rate for her vehicle. She stated that the new rate was ridiculous and that she had never agreed to pay that much. Agent explained that he has to be rated on a vehicle and that she had a text from her saying to go ahead and put him on her vehicle. Agent also explained that the rate was high because of his age and recent accident.
  Oct 25th – Agent emailed ******* asking for a copy of her son’s last semester report card to keep his good grade discount in place – no response received to date.
  Nov 2nd – Agent received text from ******* with a copy of her most recent bill which was for 2 months of the new rate (Oct change and Nov bill). Several texts between agent and ******* about the bill, and she said she would call the agent on Wednesday, Nov 3rd.
  Nov 3rd – no contact from *******
  Nov 4th – ******* called.   She was abusive, using inappropriate language and raised tones.  She mentioned that ******* had gotten a new vehicle back in October.  She would not give the agent any information on this vehicle at the time.

  Nov 5th - ******* was presented with two options.  Both were discussed in detail with her.  She did not make a decision.

  Nov. 8th, 9th, 10th - Agent attempts to contact *******.  No response. 

  Nov. 16th – ******* finally called in to the agent.   They both agreed the best action was to exclude the son from her policy.   The agent was able to backdate this request, effective Oct. 1st, removing the additional charge.   This was deemed a satisfactory resolution by *******.
  

  
  

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