Farmers Insurance Company - after 31 years they have deeply, deeply wronged me. I will NEVER go back.
I use billpay through the bank to pay my monthly auto insurance (plus a number of other things). I have three cars insured through Farmers. One of the drivers is my teen daughter (I promise you, you never, ever want to be without coverage when you have a teen driver).
Apparently, the May 2012 payment did not arrive at Farmer's on time (I have since found out from BillPay that it must have been placed in the wrong PO box because it eventually came back to BillPay stamped NOT AT THIS ADDRESS and I have a copy of the envelope with the correct address). The June payment was also mailed to the same address and it apparently arrived on time. But because Farmers did not receive the May payment on time they cancelled our policy. According to Farmers they mailed me a cancellation notice - I never received it, because believe me if I had I would have taken a check straight to my agent! But when they received the June payment they reissued the coverage My daughter bumped a car stopped in the turning lane while texting (still my daughter's fault, no question - no damage to her car) on June 5th, damage was $525
Because Farmers says we were without coverage on June 4th, 5th & 6th they will not pay this claim. My agent is viligant about calling clients when they get a notice of cancellation in their office, they just missed us that month ("you fell through the crack" were his exact words) so Farmers is not going to pay. My agent is terribly apologetic but it looks like I will have to pay for the damage. The area supervisor (over my agent) asked, "why do you think you should be treated more special than other Farmer clients?" 30 Years of loyalty was my response and I can prove my premium was mailed on time and to the correct address, the post office must have put it in the wrong box. Farmers says they can "prove they mailed me a notice of cancellation" because it is on their computer report and they will not pay this claim. Again, my agent is terribly apologetic, this has never happened to him before but still, I will have to pay out of my pocket for the damage.
The other driver wound up filing their claim and being covered under Uninsured Motorist and then their insurance company sued me for the damage plus other "assorted charges".
We are now with another insurance agency. So Farmers Insurance - never again!
My question is what happened to the 'grace period' that insurance companies used to have? One of the clearing staions for the post office we used had major problems with lost mail - stolen or willfully misplaced - so we received a letter that our payment was overdue and our insurance would be cancelled after 30 days. This is just what they did; it had nothing to do with the scandal at the time, but we did call and explain that our mail went through that place and were assured that everything was okay for 30 days.
Recently, my Rx insurance bill was misplaced by me (first time ever, by the way), and again I recieved a 30 day grace noticed before I cought it, and my prescriptions were refilled as promised.
Anyway, I'm very sad for you and agree that it is a disservice to you.
I swore I would never use Farmers, too. I worked for them and had to send out warning notices to people who had towing insurance and used it once! Why do people pay extra for that if they can't use it when needed? Why did the company offer it if they weren't goining to graciously honor it?