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Fraudulent business practices of Farmers Insurance Group / 21 Century Company

I am reporting fraudulent and unethical business practices of Farmers Insurance / 21 Century Company in relation to an auto accident claim.

During the week of Oct 10, Claudia Carreon of Farmers Insurance called me and said that Farmers was willing to settle the claim by paying me $300 and another $120 for just a doctor’s visit. I informed her that I do not know how much a doctor’s visit costs plus medical expenses would cost and therefore cannot agree to the settlement at that point. I told her that I was not a medical doctor, and neither was she, and therefore we cannot determine the extent of the injuries, until I see a doctor. I was promised compensation for the day lost on Sept. 30, 2011. She agreed to wait for me to see a doctor first and then submit the claim later.

I was promised a comparable car by Farmers Insurance. Mine was a Honda Accord – clearly a mid-size sedan by any standard. When I arrived at Enterprise Car Rental (626-405-0900) on Saturday, Oct 8, they said only a tiny compact car was approved by Farmers. I felt that this was not fair. The Enterprise rental agent gave me a ridiculous and suspicious explanation as to how Farmers Insurance determines a tiny compact car to be comparable to a mid-size sedan! I do not want to drive a tiny compact car due to safety reasons. Therefore I called Farmers Insurance HelpPoint which turned out to be an unhelpful collection of dysfunctional employees. They all had no idea how to get a comparable car approved. They gave me phone numbers of all kinds of Farmers employees who obviously were not working on weekends. Enterprise Car Rental needed approval on Saturday, Oct 8. But Farmers did not exist on weekends. Once these Farmers Insurance phone employees had me talk to a manager ‘Dora’ who could give a hoot about my problem. Then they had me call someone by the name Stacy Perry at 949-809-7063 who did not exist on weekends. Then they had me call someone by the name Brian at 626-587-9060 who also did not exist on weekends. From 10:45 AM to 1 PM, I spent agonizing hours calling this insurance company and getting the run around. Finally I was angry and yelled at Farmers saying that I’ll report this to the Insurance Commissioner of the State of California. They did not care one bit!!! Is it possible that these employees of Farmers Insurance truly believe that they are above the law and have no obligation to assist a claimant?

After I visited the doctor on Oct 18, 2011, I immediately called Claudia of Farmers Insurance and informed her about that. She called me back the next day and asked me to fax the doctor’s bill to her to process the claim. At no point did she ever say that my claim will be denied based on the intensity of the accident. I faxed the attached two pages to Farmers’ fax at 877- 217-1389 on Oct 19, 2011. The first page contains the receipts for medical expenses for $163.98 and the second page is the documentation for loss of day on Sept 30, 2011. Since a great amount of aggravation was caused to me by Farmers insurance employees when I was trying to get a rental car approved, I also asked for compensation for Saturday Oct 8, 2011. Then I get a letter a week later that my claim was denied. This is fraudulent and unethical.

I have suffered immensely trying to deal with this criminal organization and their disingenuous employees. The run-around and the incompetence of the operations of Farmers is very aggravating since Sept. 29, 2011. I feel that Farmers Insurance owe me at least $ 5,000 in damages. We need to you investigate them and their employees for fraud and unethical business practices. These are the kinds of criminals we need to put behind bars.

Made a complaint to the Federal Trade Commission at
[www.ftccomplaintassistant.gov]

Details of the accident:
Date of accident: Sept. 29, 2011
Claim Number: 1019797617
Farmers Insurance claims rep: Claudia M. Carreon
Phone: 626-437-3571
FAX: 877- 217-1389