Complaint Review: Farmers Insurance - Nationwide

I thank you for your response to my issue at hand, but in reality there is more than what is being displayed by Insurance agencies when it comes to settling claims. Their primary goal is to save their company top dollars..not to be fair to the individuals that has suffered injuries or financial losses. As for the kbb, I was informed by Farmers insurance that the state does not recognize the kbbb and nada as legitimate resources when determining fair market value prices on vehicles in claim status..Instead, most insurances have gone to this CCC private company that enlist information on claim vehicles from second handed resources, such as classified car ads, private sellers, and used car dealerships; looking for the lowest price available in sales of the vehicle or that a car dealership will give, then add this information to their data base.This information is "three times" lower than that of the kbb and nada; Therefore creating a lowball offer effect when issuing an unfair money/unreasonable offer to the victim at hand. So the kbb and Nada was my first comparable offer that was turned down by farmers with the above exscuse given. And again, why should we as consumers and just citizens have to run to an attorney everytime to settle a issue that should have been settled at the very beginning justly and fair without concern.We still lose by giving up a third to attorneys ,of what should be rigthfully ours. This would not be the issue if these big corporations weren't so currupt and greedy! If they want to make money the right way, why not go after those who aren't insured who causes or insurance to go through the roof.Take their cars,houses, threaten and sue them. Not us, the ones who are doing the " right" things as american citizens.

I thank you for your response to my issue at hand, but in reality there is more than what is being displayed by Insurance agencies when it comes to settling claims. Their primary goal is to save their company top dollars..not to be fair to the individuals that has suffered injuries or financial losses. As for the kbb, I was informed by Farmers insurance that the state does not recognize the kbbb and nada as legitimate resources when determining fair market value prices on vehicles in claim status..Instead, most insurances have gone to this CCC private company that enlist information on claim vehicles from second handed resources, such as classified car ads, private sellers, and used car dealerships; looking for the lowest price available in sales of the vehicle or that a car dealership will give, then add this information to their data base.This information is "three times" lower than that of the kbb and nada; Therefore creating a lowball offer effect when issuing an unfair money/unreasonable offer to the victim at hand. So the kbb and Nada was my first comparable offer that was turned down by farmers with the above exscuse given. And again, why should we as consumers and just citizens have to run to an attorney everytime to settle a issue that should have been settled at the very beginning justly and fair without concern.We still lose by giving up a third to attorneys ,of what should be rigthfully ours. This would not be the issue if these big corporations weren't so currupt and greedy! If they want to make money the right way, why not go after those who aren't insured who causes or insurance to go through the roof.Take their cars,houses, threaten and sue them. Not us, the ones who are doing the " right" things as american citizens.

Even with older paid for cars, always carry collision on your insurance policy. This ensures you will get paid if someone else damages your car and their insurance acts in bad faith, which they will once they know you have no recourse from your insurance. Getting more than KBB "retail" is a very generous settlement. The numbers published to consumers at that website are somewhat biased in a dealer's favor (i.e. high retail, low trade in) versus the actual value. If you REALLY ARE injured by someone else in an auto accident and don't have health insurance (or medical coverage on YOUR auto insurance), hire a lawyer. Trying to go against the other company alone is futile. Also if you are making a medical claim or even hinting about it they will stall on paying for your car damage. This is to put you under further hardship to try and force a low settlement. In conclusion, if you don't have the cash to pay for casualty losses, insure YOURSELF. Don't count on the other guy to have insurance and for that insurance to readily pay you.

Just a small note, I cant note myself as an employee because Agents of Farmers are contracted. I'm sorry to hear that your son has gone though the pain and hope that he has a full recovery. Recently a close friend and client of mine was also rear ended and her car was deemed a total loss. Every time any of my clients are in an accident where a vehicle is considered a TL, I check the value on kbb.com and find what the wholesale, private party and retail values are then compare with the settlement. Without posting confidential information, I will say that her claim for the auto was paid out 4 days later, 10% in excess of retail value. This is the value that you would purchase the car used for at a dealership. She had the option of filing the claim with the other persons insurance, but I advised her to file it with us so that it could be subrogated. You also had this option. Your insurance company could pay out the claim and recover it from Farmers if you think that they would have paid out more. You should also check ARS Title 20 in regards to your rights: http://www.azleg.state.az.us/ArizonaRevisedStatutes.asp?Title=20 You have the right to obtain 3rd party arbitration as well as the right to have your vehicle repaired at any facility. As Dave posted above, it isnt difficult to find a personal injury lawyer to represent you if they feel you have a case. They take 33% of the settlement and charge you nothing. Rentals are provided up to the point to when an insurance company makes an offer to settle. I assume you did get an offer and turned it down. Due to confidentiality, if i were to look up your claim and find that some of your accusations are unfounded. I would be unable to post the true facts. So you do have the advantage of making comments without the other party's rebuttal. All that said, I'm sure everyone is curious. What kind of truck was this and what was your offer for settlement. We would love to compare it with available resources to find out what you consider "fair market value" is.

Just a small note, I cant note myself as an employee because Agents of Farmers are contracted. I'm sorry to hear that your son has gone though the pain and hope that he has a full recovery. Recently a close friend and client of mine was also rear ended and her car was deemed a total loss. Every time any of my clients are in an accident where a vehicle is considered a TL, I check the value on kbb.com and find what the wholesale, private party and retail values are then compare with the settlement. Without posting confidential information, I will say that her claim for the auto was paid out 4 days later, 10% in excess of retail value. This is the value that you would purchase the car used for at a dealership. She had the option of filing the claim with the other persons insurance, but I advised her to file it with us so that it could be subrogated. You also had this option. Your insurance company could pay out the claim and recover it from Farmers if you think that they would have paid out more. You should also check ARS Title 20 in regards to your rights: http://www.azleg.state.az.us/ArizonaRevisedStatutes.asp?Title=20 You have the right to obtain 3rd party arbitration as well as the right to have your vehicle repaired at any facility. As Dave posted above, it isnt difficult to find a personal injury lawyer to represent you if they feel you have a case. They take 33% of the settlement and charge you nothing. Rentals are provided up to the point to when an insurance company makes an offer to settle. I assume you did get an offer and turned it down. Due to confidentiality, if i were to look up your claim and find that some of your accusations are unfounded. I would be unable to post the true facts. So you do have the advantage of making comments without the other party's rebuttal. All that said, I'm sure everyone is curious. What kind of truck was this and what was your offer for settlement. We would love to compare it with available resources to find out what you consider "fair market value" is.

Just a small note, I cant note myself as an employee because Agents of Farmers are contracted. I'm sorry to hear that your son has gone though the pain and hope that he has a full recovery. Recently a close friend and client of mine was also rear ended and her car was deemed a total loss. Every time any of my clients are in an accident where a vehicle is considered a TL, I check the value on kbb.com and find what the wholesale, private party and retail values are then compare with the settlement. Without posting confidential information, I will say that her claim for the auto was paid out 4 days later, 10% in excess of retail value. This is the value that you would purchase the car used for at a dealership. She had the option of filing the claim with the other persons insurance, but I advised her to file it with us so that it could be subrogated. You also had this option. Your insurance company could pay out the claim and recover it from Farmers if you think that they would have paid out more. You should also check ARS Title 20 in regards to your rights: http://www.azleg.state.az.us/ArizonaRevisedStatutes.asp?Title=20 You have the right to obtain 3rd party arbitration as well as the right to have your vehicle repaired at any facility. As Dave posted above, it isnt difficult to find a personal injury lawyer to represent you if they feel you have a case. They take 33% of the settlement and charge you nothing. Rentals are provided up to the point to when an insurance company makes an offer to settle. I assume you did get an offer and turned it down. Due to confidentiality, if i were to look up your claim and find that some of your accusations are unfounded. I would be unable to post the true facts. So you do have the advantage of making comments without the other party's rebuttal. All that said, I'm sure everyone is curious. What kind of truck was this and what was your offer for settlement. We would love to compare it with available resources to find out what you consider "fair market value" is.

Almost any accident/injury attorney will take this case for NOTHING, sue for damages, then take their 33% cut. Why not contact one of them? By the time they are done, you will be compensated fully for your problems.

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