I am disabled for 10 years now, I used to drive 500-1000 a week before that with NO accidents and very little tickets. A family member got me started with Farmers and paid the bill with full coverage and 100/300 liability. Before the first year was up he ran out of money and 3 months was due. I was obviously stuck with having to pay for my own insurance now but my old 1991 Lexus ES-250 was paid for and just wanted to change my policy to Nebraska state minimum. The agent set it up. Added her OWN state minimum required of 50/100 and Medicals adding $24 every 6 months.
It's been 31 months No accidents no tickets no claims. I needed to find a lower insurance agency and just now find out the State minimum for Nebraska is 25/50 and Medicals is an added coverage (Not State Required) So the verbal coverage I asked my agent to set me up with was a Farmers lie. I bet if the Department of Insurance looks at Farmers records they will find very little actual state required policies as Farmers sets there OWN laws upon you. Isn't that stealing or just plain old crinimal mind activity. Shelter Insurance got me what I asked for and now paying 100% less for coverage. I asked for my 1.5 month prepaid amount to be refunded and I was ignored. I needed to start emailing above her and that was finally done, don't have the check yet so I really can't say. They did send me an email with a $91 refund processed. When I asked my agent to look into this 50/100 lie, she just had the get off my desk attitude and told me I always had 50/100 coverage, So Ok she never researched because the same policy number never changed when I was at 100/300. Lie number two !!I live in Bellevue, NE when I looked at one of my policy renewal letters I never read, It said that the State minimum uninsured motorist for Bellevue, WA (Duh! Washington) is 50/100 I live in Bellevue,Nebraska. Maybe it's always been 50/100 like my agents tried to sell me because someone made a mistake entering me as a Wahington state minimum. Either way I never wanted The Added Medicals premium she typed in even if she did order Nebraska state minimum of 25/50 and some other employee entered the wrong state overbilling me for the next 31 months. When I told my agent to change my coverage to 25/50 after I saw the screwup last week she immediatley emailed me and suggested I didn't and the premium's are NOT that much difference, Well when you times it by 31 months we will see.
Everytime I was tring to dig up 1 quarter in the past 31 months because I did not have enough money to do laundry I think about her saying, well it's not that much more. She is probably living in a big house up on a hill looking down on all the poor disabled people she crippled financially for her own personal gain with lies (Shelly Ferrante) email@example.com
I have emailed as high as the CEO, Paul_Hopkins@Farmersinsurance.com with this issue It always ends up on someone's else's desk esculating upward or downward within the company who can't figure out what to do. This company spends more money fighting people to death than actually doing what is right. FARMERS, WE ARE A DISORGANIZATION COMPANY WORKING AROUND AND AROUND IN CIRCLES FOR YOU.