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Review 2 of 104
Price Paid:
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from - Year / Model Reviewed: 1992 Chevrolet Caprice Wagon (custom) Strengths: NONE!! Weaknesses: Do not pay the value of the actual vehicle in an accident Summary: I have a customized caprice wagon which is a bit of a difficult vehicle to replace considering all the attributes mine has. After a farmers' insured ran into my quarter panel, they initially estimated 1500 to fix it, even though the body shop they told me to go to claimed 3k minimum. So, I pointed out a few mistakes in their estimate (no two tone paint, underestimated time for repairs based on 3 private estimates, incorrect methods of repairing damage, etc), causing them to total the vehicle. So, now I have to deal with thier total loss department...yay. Their offer to me was based on sedans as this is a difficult style of vehicle to find. The problem is, sedans are a dime a dozen whereas there is quite a following for the wagon (drive one and you will understand). Needless to say, the offer is significantly lower than what it would cost to buy my car before all the upgrades were installed, so I sent them all the reciepts of items purchased withing the last 6 months equaling over $3k. Their adjustment was less than $100 to pay for my 3k worth of improvements. WTF!!! They will not negotiate or listen to any atttempt at reason and have actually said "we will not adjust the offer any higher no matter what you send us" even though I sent them several comps showing the value of the vehicle to be double their offer. Whatever you do, avoid Farmers at all cost...
On a side note, I also had called them less than 4 months ago about getting insurance for my home/cars, and they were OVER DOUBLE the cost of my previous insurance company (nationwide). I switched to Kemper to save even more and am paying just over $900 for my home (vs 2200 quote from farmers) and $714 for my cars (vs 1800 quote from farmers). I realize I am still in my 20's (28), but there is no reason for such a price difference.
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