Farmers Insurance was founded in 1928 and is currently headquartered in Los Angeles, California. Originally designed to meet automobile insurance needs for farmers and ranchers, who had statistically better driving records than those living in metropolitan areas, the company has grown with agents in 50 states.
- Coverage features
- File/track claims
The types of coverage offered by Farmers Insurance can be broken down as follows:
- Liability Coverage
- Collision Coverage
- Comprehensive Coverage
- Uninsured/Underinsured Motorist Coverage
- Medical Payments
- Personal Injury Protection (PIP)
Like most auto insurance companies, Farmers offers various discounts to their customers. Some of these include the following:
- Business and professional group
- Distant student
- Teen driver
- Youthful driver
- Alternative fuel
- Electronic Funds Transfer
- Pay in full
- Good student
- Mature driver
Farmers allows their policyholders and those whose property was damaged by a Farmers policyholder to file a claim online as well as via a toll-free number. Customers can find assistance in filing a claim with a live chat option online. Claim status can be tracked online as well.
- Mobile app
- Customer complaints
Customers have complained about Farmers’ mobile app. This app is fairly basic and could benefit from more features – specifically relating to claims. While there is nothing specifically wrong with the app in its functioning, its available features are limited.
It is notable that in spite of various “client statements,” that there are a large number of customers who complain about their experience with Farmers on other sites. For example, on ConsumerAffairs.com, the number of complaints about Farmers is rather extensive. Common complaints involve the quality of customer service and claims being denied or being processed slowly.
Auto Coverage Policies
Farmers offers consumers the following types of coverage, which may be combined to build a policy that meets unique needs. The following is a list of what this company offers consumers:
- Liability Coverage, which includes both Bodily Injury (BI) as well as Property Damage (PD). These cover the other driver or pedestrian in an at-fault accident providing payment for medical expenses, personal injury and any damage to another individual’s property.
- Collision Coverage protects the policy holder’s vehicle should they collide with another vehicle or any structure.
- Comprehensive Coverage will protect the policy holder’s vehicle in cases of natural disasters, vandalism, theft, and collision with animals. For those where animals are abundant on highways, this would be wise to consider adding to the policy.
- Un/Underinsured Motorist Coverage provides BI and PD coverage for the policy holder should another driver be at-fault and uninsured or underinsured.
- Medical Payments covers the policy holder or anyone in the vehicle hurt during an accident, providing payment toward medical expenses, which can rack up quickly if anyone is injured.
- Personal Injury Protection (PIP) is similar to Medical Payments, however, payments are extended to rehabilitation, work loss, funeral costs and replacement services.
- Basic Reparation Benefits provides no-fault protection for BI to each person injured in the accident, such as medical, hospital, loss of income, essential services, accidental death and funeral services.
- Income Disability Coverage provides the policy holder with up to 70% of the insured person’s loss of income when interrupted or terminated due to illness or accident.
- Rental Reimbursement is for losses covered by either Comprehensive or Collision Coverage, in which this coverage will repay the daily rental charged up to the purchased limit option for 30 days. Another form is Transportation Expenses which will reimburse for other forms of temporary transportation when the vehicle is covered with Liability and Physical Damage.
- Property Protection covers expenses for another person’s stationary property (i.e. fences, buildings, etc.)
- Extended Medical Payment covers injuries for the policy holder and anyone else injured as the result of occupying a non-owned vehicle.
- Income Continuation covers lost wages should the policy holder be unable to work due to an accident related injury.
- Lawsuit Option provides the policy holder with the right to sue the individual causing the accident for pain and suffering due to any injury incurred.
- Towing reimburses for the cost of towing the policy holder’s vehicle, however, this is only available to those with Collision Coverage.
There are several additional add-on options such as an extra PIP package, PIP work loss waived, Supplementary Un/Underinsured Motorist BI, BI Supplemental Spousal Liability, Tort, Accidental Death Benefits, Un/Underinsured Single Limit Stacking, PIP Medical 2nd to Other Medical Insurance and Other Work Loss Coverage, Funeral Expense Benefit, as well as several other add-on options.
The standard coverage limit offered by this company is Bodily Injury $25,000/$65,000 with $15,000 Property Damage Liability and $3,000 Person Injury Protection. It’s important to remember that each state varies on minimum standard coverage so this may not be enough protection for the policy holder.