Farmers insurance is a complete joke! A Farmers insured driver was texting on the phone and ran directly into the rear of my fiances brand new Nissan Rogue. They took responsibility then decided that they were going to handle the claim in a half-a**ed way. The first problem was they wanted to do an estimate over pictures rather than have the body shop inspect the car. While hesitant I said do it. They sent a price quote to my body shop of $800.00 by cutting the labor rates in half and quoting all aftermarket parts. My vehicle has been on the road less than a year, has a value of $30,000 and didn't have a scratch before the accident. After that, they told me that this was how it works (little do they know I have worked for insurance companies and currently assist in running a Cadillac dealership) and that they go off of the rules they have. Rules state that a vehicle that has a manufacture date of less than 2 year gets OEM parts replaced, not aftermarket. Next, they asked me to use a different body shop (which they are not allowed to ask me to do since I get to choose the body shop I want since they hit me) that would work with their estimates when my shop said they would not. After threatening a law suit, they told me to just go through my insurance company (USAA) and they will reimburse them. Now its been almost 2 weeks, repairs were approved by USAA for all OEM replacement parts and proper times (estimate to fix was 2x more than the estimate from Farmers) and they are denying me a rental car and told me that I have to pay out of pocket and eventually I will be reimbursed. My insurance company has been trying to call the agent at Farmers and he would not return their call and now I told him my lawyer will be getting involved since they did not want to handle this situation properly or the right way. If USAA was handling this from the beginning, my car would already be fixed, it would have been done and handled the right way, and it would all be done and over with. Unfortunately, I am now going on the third week with a brand new damaged car and a future law suit on my hands. This insurance company is a complete joke! read more
