I Won Arbitration Against Farmers Insurance!

Discussion in 'Car Insurance Reviews' started by ChevyFan, Nov 13, 2008.

  1. ChevyFan

    ChevyFan Administrator Staff Member

    Just wanted to make certain that everyone knew that! Today is exactly ONE YEAR to the day that I was in the accident. I was notified in the mail that my insurance won the arbitration battle with Farmers Insurance. I was declared ZERO percent at fault and the other driver was ONE HUNDRED percent at fault.

    They sent me back my $500 deductible and opened the door for me to collect on all sorts of damages like out-of-pocket stuff, extra paid for rental car that was over my allotted amount, and dimished value to boot!

    Now, I'm not taking joy in the accident. The poor other woman pulled in front of me, got her car hit and suffered a broken breastbone. I hope she's ok and wish her all the best.

    Farmers from the start tried trapping me in arguments, trying to get me to agree with things that I never said, tried twisting facts, claimed that they found "secret witnesses" at the scene of the accident 12 hours later, and did a whole bunch of underhanded tricks to try to keep from paying. They said I was 40% responsible for the accident, even though all the witnesses at the scene and even the other driver admitted guilt to the police. The police gave her a ticket for pulling out in front of me.

    So, you can read the whole saga here. http://www.gmtruckclub.com/forum/showthread.php?t=8911

    I hope this is a lesson to you. Why do business with companies that are that unethical? Why? Why? Why? I'm normally very PC on this board, but not on this topic.

  2. retired

    retired New Member

    Insurance company's are in the business of making money not spending it.
  3. raisor87

    raisor87 New Member

    great to hear. don't bend over and take it from the man. persistence pays off boys and girls:party:
  4. ChevyFan

    ChevyFan Administrator Staff Member

    This is true, but it was so open and shut that it was clear I was not at fault. If I was even remotely at fault at any percentage I wouldn't have been so upset.
  5. 01TAHOE24

    01TAHOE24 New Member

    U would be very suprised what the insurance companys will do.. My Wife works for Farmers Ins and I get to hear all the horror stories every night:grrrrrr: :sleep: I cant believe it took a year to take care of.. Congrats on your arbitration win Steve..
  6. ChevyFan

    ChevyFan Administrator Staff Member

    Watch the youtube video! lol

  7. dwill3015

    dwill3015 New Member

    Good for you Steve!
  8. ciosclone

    ciosclone New Member

    What lane were you in and what lane was she in during the accident ? If you were in the left and she was in the right , then it sounds like you failed to yield .
  9. 1990Suburban

    1990Suburban New Member

    I had a similar incident with an insurance company - the woman was a bold-faced liar who would tell any lie and make up any story to try to bait me into taking responsibility for a wreck that everyone including the other party and the police knew was not my fault. She even came to my house and called us insurance scammers becuase my wife had been in a similar wreck a year before in which she recovered losses. I sent a certified letter to the entire Board of Directors of the company (AAA Auto Club of Calif.) and documented her lies and misconduct and the case was given to someone else who speedily settled with me. In fact, I balked at their first offer (which didn't even cover my existing medical bills) and she called me and said "Okay, what would you consider fair." I told her and about 72 hrs later I had a check in hand!

    I'm glad you won. Insurance companies are scum of the earth...
  10. ChevyFan

    ChevyFan Administrator Staff Member

    Read this. http://www.gmtruckclub.com/forum/showthread.php?t=8911

    Watch the video listed above.

    I was driving north, she was driving south and turned left (east) in front of me and I T-boned her.
  11. CJ n Shagy

    CJ n Shagy New Member

    very cool and i am glad you won.
    it is amazing how we get messed around charged half points and points for accidents that are not our fault.
  12. tcope

    tcope New Member

    Steve, keep in mind that the arb decision is not binding between you and Farmers. That is, Farmers could still deny any claim directly from you and your still right back where you were a year ago. Also, you cannot use the arb decision in a Complaint against the Farmers insured.

    Granted, some carriers will go along with the Arb decision and apply it to all involved, but not always.

    I'm assuming this is Inter-company Arbitration.

    Inter-company arb is almost always done through Arbitration's Forums Inc. Their rules are a lot different then the rules we follow in court proceedings (there is no discovery, no depositions, no questioning of witnesses or information, etc.). For example, I inherited a claim in which the other carrier filed arb. We were 100% liable in the accident and the prior adjuster just denied the claim. I even called the adjuster and offered 90% (no response). I failed to respond to the filing and won. I won as the other party failed to supply a police report and as I did not acknowledge that the accident happened (by responding), they did not prove that the accident happened. Stupidest thing ever.

    But I _do_ hope Farmers agrees to address your out of pocket loss. From what I remember of the accident, they should have accepted 100% liability.
  13. alwcurlz

    alwcurlz New Member

    Why can't this be simple?? Ok, accident. Witnesses. Pictures. What happened? What do both drivers say, document it. What do witnesses say, document it. Insurance companies, if I could avoid them, I would. I need insurance for my nice truck in case it's damaged but, there's that deductible. And insurance in case I do someone else harm due to a wreck and it's my fault.

    There's only one thing I have in common with insurance companies....It's not how much you make, it's how you spend it!

    BTW....that video is just a link back to this topic. No video there.

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    Last edited: Nov 13, 2008
  14. S/C TrailBlazer

    S/C TrailBlazer New Member

    Congrats Steve! :gasp: :shocked: :lol:
  15. Springthing

    Springthing New Member

    So very glad to hear that things are finally kinda getting resolved! I've had the pleasure of dealing with insurance companies on two separate occasions where it was another driver's fault and both times left me with a disdain for them.
  16. 04sierracrewcab

    04sierracrewcab New Member

    so is the blazer fixed yet? (mite have missed the post) :neutral:
  17. mvoss2576

    mvoss2576 New Member

    I can see how that happened. I know exactly where that intersection is.
    Don't know how they were trying to blame you though?? Glad you won arbitration.
  18. ChevyFan

    ChevyFan Administrator Staff Member

    Well, my payback is already $620. Plus I can sue the woman who hit me for up to $5k in Texas small claims court and small claims in Texas is just me and a defendant and an elected JP. So I should have no problem getting back at least 10% on the value of the vehicle as it was at that time from her. She theh hands over a ruling from the JP. I've already talked with an attorney about this, that's what he said.
  19. IndyTB

    IndyTB New Member

    :party:As a former Farmers Ins. customer, I have to say Congrats on the Win. My wife and I were customers of their's for 6 years(Auto and Homeowners). My wife and I have spotless driving records, have never filed a claim, and over the last 18 months that we were with them our ins. rates went up by 30%.:grrrrrr: We switch to State Farm and now have more coverage and are now paying about half of what we were paying with Farmers. Farmers can kiss my big white (__)(__).
  20. bry2500

    bry2500 New Member

    Congrats on the win Steve. I hope you get all your money back.

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