Just so you know… your sources were accurate. Farmers blows goats, then tries to kiss you. With tongue.
Our car had parts stolen from it in our own freaking driveway. I promptly called the police and our agent (same day it happened). The agent said don’t touch it until the cops are done with their investigation, the cops said “We’ll send someone around shortly”.
I called the police desk back the next day… and the next… and the next… and the answer was always the same: don’t touch it, we’ll send someone around.
I called our agent to confirm. He said, do what the cops tell you, you’re fine. Okey-dokey.
The following weekend it was hit again. This time they took the stuff that they must not have had time for the last time - it wasn’t a pretty sight.
Round Two with the agent and the cops. Agent says the same thing; the cops say “Again? Ok, we’ll send someone out today.” The following night a cop shows up, tries to take prints, and says, “Well, it’s been sitting here too long and the rain last night really messed things up. Why did it take so long for you to report it?” My wife went through the roof, I nearly did the same. Took a bit to explain to the cop what was going on.
So it comes to claim time. Farmers says that it was two seperate instances, and we didn’t take steps to secure the car after the first one, therefore they’re gonna charge us the deductible twice. We point out that they told us not to touch it and wait for the cops. They said no, we’d never say that, and of course our agent was suddenly unavailable, or in the hospital, or out of town on vacation, etc. No matter when we called.
We finally managed to get them to agree to total it out, after getting a lawyer friend to write us a nastygram. Even then they tried to lowball it and we had to fight them.
So yeah. Avoid Farmers. Go with someone reputable, like Shady Bob’s Insurance Emporium.
Eh. Sorry for the rant… Farmers really cheeses me off, even to this day.