Alright here we go. So July forth I was going down a back road (rainy) as I cut the corner I see this Tahoe coming at me at a 90 degree angle (she lost control) and just smashes into me. I didn’t have insurance on this car I had it’s one of my cars I don’t drive often, but with all the pictures and you can clearly see it’s her fault farmers insurance is still denying that’s it her fault I’m at total loss of words (no dash cam) I’m not going down without a fight or a payout so I’m consulting a injury lawyer but is this how it really goes? The pictures her car is just layed smashed into my car and they say it wasent her fault?

I am trying to understand my Farmers insurance homeowners liability coverage and farmers isn’t being helpful at all. Basically what happened is while my wife and I were out of the country, my child accidentally kicked my sprinkler line near the drip system and broke it. Long story short, it flooded a room in my neighbors home over about a 7 day period. They just kept mopping it up and hoping it would stop. I’m not sure why they let it go on for that long but they did. Anyway it ruined some of the floor and caused some moisture to settle into the drywall. It was about a 15 ft x 15 ft area of water damage. Will my homeowners liability insurance cover the water damage in this situation?

Location: Arizona Was in an accident and Farmers client was at fault. I had borrowed a car but had to return it. My insurance company offered a total loss on my car that was being repaired which I accepted but I had to rent a car while I looked for a new one (which took a week ) Farmers is refusing to pay for that rental because they said they are not legally obligated to pay for anything after the offer was made to pay for my old car. Is this correct ?

I own a condo, which I reside in. The unit directly above me is a rental property. So, a pipe was leaking from the unit above me. HOA says the upstairs unit is fully responsible for any costs incurred in repairing the pipe and restoring my bathroom due to the water damage it caused. The breakdown in cost for my Master Bath is as follows: \*Demolition:   $2,879.00 (already completed) \*Remodeling:  $4,554.39 TOTAL COST:   $7,433.39 The upstairs neighbor’s insurance company, Farmers, just paid me a total of $5,570.51 to cover all costs associated with the completed demolition and for the not-yet-started remodeling. That leaves a shortfall of $1,862.88 to make my bathroom “whole” again. Farmers explained that there is depreciation. My condo was built in 1986. I believe the bulk of the cost associated with restoring my bathroom is labor. Not the materials. Right? Since you can't depreciate labor costs, how can the insurance company justify paying out a significant amount less than what is needed to return my bathroom to the condition it was in before the water damage? For example, one item on the list the contractor submitted to the insurance estimate was $290 to hook the toilet back up and reset it. I asked the contractor how much the cost would be for the material to do that. He said all it takes is some wax. I asked him for a breakdown of material costs vs labor costs, and he said he can't come up with that because it's complicated, and the computer spits out the pricing already bundled together. This is my first time buying a place to live. So, I am not as familiar with all of this, and if I am being denied something I am entitled to from the upstairs owner's insurance. Here is a summary of what the General Contractor submitted to Farmers: Recap by Category O&P Items Total % CABINETRY 710.40 15.60% CLEANING 158.33 3.48% GENERAL DEMOLITION 182.82 4.01% DRYWALL 732.75 16.09% ELECTRICAL 214.02 4.70% FINISH CARPENTRY / TRIMWORK 280.02 6.15% HEAT, VENT & AIR CONDITIONING 13.28 0.29% INSULATION 49.76 1.09% LIGHT FIXTURES 58.29 1.28% MIRRORS & SHOWER DOORS 191.83 4.21% PLUMBING 581.01 12.76% PAINTING 564.27 12.39% O&P Items Subtotal 3,736.78 82.05% Material Sales Tax 58.47 1.28% Overhead 379.57 8.33% Profit 379.57 8.33% Total 4,554.39 100.00% Should Farmers have to pay the full amount to restore the bathroom to its original state? If not, how do I go about getting the remaining amount if I am not responsible for costs?

I've been a loyal Farmers/Foremost customer for 10 years, claim free. But when I had interior drywall damage, they wouldn't cover anywhere near the cost of the repairs. I gathered three quotes, but the Farmers Rep said they were all "unreasonable" and suggested I keep looking for cheaper options. My rep told me he basically punches numbers into a computer, and that spits out the estimate. He doesn't actually talk to contractors, just does "what the computer tells him". Anyone else experienced something similar with Farmers or other insurance companies? If so, open to sharing about it?

I just had a pipe bust in my attic that flooded my home for about 40 minutes before it was stopped. It’s ruined the insulation in my attic, all ceilings in 80% of my home, the walls, and the baseboards. The adjuster (farmers) is saying the floors he believes are waterproof vinyl therefore took no damage and can be dried out. When they removed the baseboards i did go around and see the corners of the floors are peeling up and have water under. It is continuous throughout the whole house with no breaks. I tried to google and can’t find anything on this issue, has anybody dealt with this before? Can vinyl floors have no damage under? I’m a new home owner and I have little knowledge in this, thank you in advance!!

This year, my Farmers umbrella policy for 2 mil coverage premium increased from 1000/year to 3880/year. We are in California. Have umbrella/home/auto (2 cars, 2 drivers) with Farmers. My son is 22 and has an accident on his record from 2.5 years ago. He has his own car titled in his name. His car is insured on my policy. What would you do to lower the umbrella insurance cost? I am really struggling here. If he gets his own car insurance, can I be sued for an accident he causes since he is a dependent on my taxes? Thank you for any ideas.

San Francisco CA, two crap cars, one driver perfect record (me), one 22 yo driver who backed into neighbor almost two years ago My umbrella went up from about $1050/yr in 2024 to $1982. Ugh. Crazy as the car and house is so much too. Thank you for any input!

Got into a car accident last year (rear-ended). Sent a demand letter to Farmers Insurance asking for: * **$4,523** in gross medical expenses (I attached the detailed reports/receipts for them) * **$33,000** for pain and suffering * **$6,295** for diminished value (they said this will be handled separately) Yesterday, they offered **$7,823** for my bodily injury claim. Seems like they’re barely covering my medical bills and throwing in a small amount for pain and suffering (10% of what I requested). Should I counter? If so, should I slightly lower my initial demand (say $25K for pain and suffering) to show I’m negotiating in good faith, or should I stay firm on the original amount? Has anyone been through this process without an attorney and successfully negotiated a higher payout? Btw, when my vehicle was in the shop, I gave the shop the insurance's contact info and the insurance paid the shop. Looking for advice on next steps before I respond. Any input is appreciated!