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• June 28, 2017, 07:52:03 PM

### Author Topic: "I'm never shopping THERE again!" Share your story!  (Read 2337807 times)

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#### NyaChan

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• Posts: 4153
##### Re: "I'm never shopping THERE again!" Share your story!
« Reply #3795 on: April 05, 2013, 09:59:42 AM »
Wow!  That is horrible

#### Luci

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• Posts: 7518
##### Re: "I'm never shopping THERE again!" Share your story!
« Reply #3796 on: April 05, 2013, 11:46:35 AM »
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? #### LazyDaisy • Member • Posts: 1290 ##### Re: "I'm never shopping THERE again!" Share your story! « Reply #3797 on: April 05, 2013, 11:58:24 AM » I'm surprised too at how quickly they cancelled you and then just reinstated the policy without question. Usually when a policy is cancelled, aren't they unlikely to reinstate it at all or at least increase the payments? I wonder though, if you still had coverage, wouldn't$500 be about the deductible amount you would have to pay out of pocket anyway?
"A common mistake that people make when trying to design something completely foolproof is to underestimate the ingenuity of complete fools." — Douglas Adams

#### Redneck Gravy

• Member
• Posts: 3996
##### Re: "I'm never shopping THERE again!" Share your story!
« Reply #3798 on: April 05, 2013, 12:28:34 PM »
Liability pays for the other cars damage - no deductible.

Grace period?  If you don't pay your insurance premiums on time - there is no stinking grace period.

And don't think I didn't question that reissuing policy either?

Still, no we aren't going to pay.   We aren't going to pay and also, we aren't going to pay.

I did fight and get a refund of the June payment and by this time the July payment, since they "reissued" the policy I was able to do this - big shocker, I thought they would try to stiff me out of that too.  Unbelieveable.  I filed a complaint with the state board of Insurance - they found no violation of policy since Farmers "can prove they mailed a notice of cancellation".

#### MommyPenguin

• Member
• Posts: 5468
##### Re: "I'm never shopping THERE again!" Share your story!
« Reply #3799 on: April 05, 2013, 12:40:18 PM »
Liability pays for the other cars damage - no deductible.

Grace period?  If you don't pay your insurance premiums on time - there is no stinking grace period.

And don't think I didn't question that reissuing policy either?

Still, no we aren't going to pay.   We aren't going to pay and also, we aren't going to pay.

I did fight and get a refund of the June payment and by this time the July payment, since they "reissued" the policy I was able to do this - big shocker, I thought they would try to stiff me out of that too.  Unbelieveable.  I filed a complaint with the state board of Insurance - they found no violation of policy since Farmers "can prove they mailed a notice of cancellation".

Can you point out that you, too, can prove that you mailed the May check?  Since you got it back with the "not at this address" thing?
Emily is 9 years old!  1/07
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#### Otterpop

• Member
• Posts: 1594
##### Re: "I'm never shopping THERE again!" Share your story!
« Reply #3800 on: April 05, 2013, 12:59:38 PM »
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).

#### jedikaiti

• Swiss Army Nerd
• Member
• Posts: 3814
• A pie in the hand is worth two in the mail.
##### Re: "I'm never shopping THERE again!" Share your story!
« Reply #3806 on: April 05, 2013, 04:18:44 PM »
Oh yea, that is definitely thank-you note worthy!
What part of v_e = \sqrt{\frac{2GM}{r}} don't you understand? It's only rocket science!

"The problem with re-examining your brilliant ideas is that more often than not, you discover they are the intellectual equivalent of saying, 'Hold my beer and watch this!'" - Cindy Couture

#### Jocelyn

• Member
• Posts: 3933
##### Re: "I'm never shopping THERE again!" Share your story!
« Reply #3807 on: April 06, 2013, 10:38:22 AM »
A particular McDonalds.
The guy at the drive through dropped my change on the ground. Apparently, it wasn't enough change for me to be upset about not receiving, but WAAAY too much change for him to replace it, and then go out after the morning rush and pick it up himself. If I wanted it, I was supposed to get out of my car and get it. Despite the fact that it was UNDER my car.
And he helpfully told me I could keep any other change I found down there, too.

#### MariaE

• Member
• Posts: 5770
• So many books, so little time
##### Re: "I'm never shopping THERE again!" Share your story!
« Reply #3808 on: April 07, 2013, 01:09:04 AM »
A particular McDonalds.
The guy at the drive through dropped my change on the ground. Apparently, it wasn't enough change for me to be upset about not receiving, but WAAAY too much change for him to replace it, and then go out after the morning rush and pick it up himself. If I wanted it, I was supposed to get out of my car and get it. Despite the fact that it was UNDER my car.
And he helpfully told me I could keep any other change I found down there, too.

I'd have gotten out of my car then and there to find it. If that held up the drive-through - so be it.

Dane by birth, Kiwi by choice

#### Library Dragon

• Member
• Posts: 1635
##### Re: "I'm never shopping THERE again!" Share your story!
« Reply #3809 on: April 07, 2013, 02:10:05 AM »
I had forgotten about an incident I had decades ago.  There is a company that people often order checks from.  They used to have a very large stationary and greeting card catalog.  One Christmas season they had a catalog with nice gifts.  I ordered and had them sent to family in another state.  I had no credit card and paid for the order in full with a check.

I received an invoice indicating payment for one of the items and a refund check for all the others.  The next day I received a letter stating the amount owed and I had 30 days to pay.  I sent a check. I had enough sense to know I needed a paper trail.  I had older/wiser folks advising that I just return the check sent to me.

This repeated itself for each item.  I would receive a refund check then a statement demanding payment. Each subsequent letter became more threatening and adding late fees.  I would send letters with my next check.  I finally had to have the Army JAG office send a letter to cease threatening me.  Fortunatley I had a paper trail showing my good faith attempts to pay.

In all the years since I refuse to order replacement checks from this company.

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