ComplaintsforMissouri Farm Bureau

• Initial Complaint

  09/05/2023

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  I filed a claim for an accident that occurred on 6/17/2023. I was not at fault. The insured driver was insured by Missouri Farm Bureau. As of today 9/5/2023 I still do not have my car back. It is not ready at the collision center and Missouri Farm Bureau is demanding I return the rental on 9/8 even though the repairs are not complete, leaving me without a vehicle. I may have to seek legal counsel to resolve this matter. They should cover my rental until the car is repaired completely. I have reached out to them several times for updates and had to contact the adjust myself to get the initial appraisal and supplement approved. This third party adjuster they use, called ********, is incompetent and contributed to the delays in repairing my vehicle.

  Business response

  09/07/2023

  Missouri Farm Bureau has agreed to authorize *** ********* rental until September 8, 2023.  This is over and above the allowable rental for repair time based on the labor hours shown in the original estimate and the supplement.  The adjuster was advised by her shop in late July the parts for the vehicle had arrived and the repairs were moving forward.  To date, Missouri Farm Bureau has authorized 75-days of rental.  We feel this is beyond ample time to complete the repairs to her vehicle.
  
  Thank you,

• Initial Complaint

  08/04/2023

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

   I had 3 55 inch TVs that were damaged.  They did not give me the full amount needed to replace them. The only gave me 254 dollars.  I called and spoke with ***** about my issue and it has not been resolved

  Business response

  08/15/2023

  *** ***** filed a claim with Missouri Farm Bureau for vandalism to some of his personal property.  We reviewed the items he claimed and paid in accordance with his policy.  Mr. Davis contends he has not been paid for the full replacement cost of his items.  Per *** *****’s policy he will need to replace the items, and then provide us with the receipts/invoice for review and consideration.  *** ***** will have180-days from the date of initial payment to make the replacement cost claim.
  
  Thank you,

• Initial Complaint

  06/20/2023

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  Insurance company is withholding money for depreciative value after required repairs were made

  Business response

  06/29/2023

  Mr. ******** filed a claim for damaged to his property that was the result of a recent storm.  Missouri Farm Bureau’s adjuster inspected the property and issued payment for the Actual Cash Value.  We advised Mr. ******** once the roof was replaced, he could submit the invoice and make the replacement cost claim.

  
  Upon reviewing Mr. ********’s invoice for the completion of the damages, it was determined he replaced the damages for less than our initial payment.  Based on this documentation there would be no additional holdback payment.

  
  Since the repairs were done for less than what we have already issued, Missouri Farm Bureau will not be able to issue any additional payment to Mr. ********.

• Initial Complaint

  06/12/2023

  Complaint Type:

  Order Issues

  Status:

  Answered

  More info

  I have a policy on a ranger boat I was out on the lake and the top of the boat is busted and  3 pieces in total need to be repaired. I went to a boat specialist and they told me 1800 dollars for the repair costs in total. I got a check from my insurance adjuster in the amount of 246 dollars and I called to discuss but they didn't return my call.  My agent finally then sent her an email and the claims adjuster called and said I would only receive 798 in total for the repair of my boat.  This is not sufficient to repair my boat and needs to be adjusted to cover all parts  including labor.

  Business response

  06/20/2023

  On May 15, 2023 Mr. **** ****** **. filed a claim under his Missouri Farm Burau Boat Policy for a broken cowl hood to his 2002 Mercury Outboard Motor.  The adjuster assigned to the file requested Mr. ****** supply us with an estimate for review.  Upon receiving Mr. Fisher’s estimate, we advised him the cost to repair the hood was double what it would be to replace the hood.

  
  Missouri Farm Bureau revised Mr. Fisher’s estimate and issued payment to him in accordance with his policy.  Shortly afterwards we received notice of additional damage to the lower hood.  An additional payment was issued to Mr. ****** for this portion of the motor.

  
  Mr. ****** is requesting Missouri Farm Bureau extend payment for repairing the hood, but it is more cost effective to replace the hood.  Per the policy Missouri Farm Bureau will pay to repair or replace, whichever is less.  Payment has been issued to Mr. ****** in accordance with his policy language.

• Initial Complaint

  10/25/2022

  Complaint Type:

  Customer Service Issues

  Status:

  Answered

  More info

  My car was damaged by an individual insured by Farm Bureau automobile insurance on August 12, 2022. Missouri Highway Patrol handled the report and submitted the other driver's insurance, report, and pictures of the damage. I attempted to contact the individual handling the claim through Farm Bureau ****** ******) multiple times. She did answer my call twice, but never returned my messages either left directly with her or with others at Farm Bureau that told me they were emailing her my request for a call. The response when I did speak with her was that their insured driver had not responded to the claim, but would not account for attempting to establish liability. It really felt like I was getting the run around. The second time I was able to get ahold of her she said to have State Farm (my insurance company) begin the subrogation/arbitration process. This was well past the 60 mark of the incident. After attempting to call, and leaving messages twice today with still no response, and mentioning that it had been far past 60 days and that I was feeling the need to file a complaint with Missouri Department of Commerce and Insurance, I finally received an email stating they were denying the claim. I feel that this was mishandled from the start. I also feel like this was done, and perhaps is done to other as well, to avoid paying out when someone cannot afford to pay their deductible and have it go to arbitration through insurance companies, in the hopes they will just drop it. I feel it is unethical and poor business on the part of Farm Bureau. I tried to presume positive and be understanding of the wait time until we got past 60 days beyond the date of the damage.

  Business response

  10/27/2022

  “Please accept this as response to *** ***** ********** complaint.  Missouri Farm Bureau’s investigation into this accident determined our insured was not legally liable for *** ********** damages.  The investigation into this accident lead to conflicting statements from the parties involved, and we have denied *** ********** claim.
  
  Thank you,”
  

  Customer response

  10/27/2022

  Complaint: ********
  
  I am rejecting this response because: I understand that their client is denying fault. However, here is a Highway Patrol report that shows pictures and that their insured driver is who caused the damage to my car. Moreover, it was also unacceptable that they responded to my claim a couple of months after the car was damaged. It did not appear that they had made any attempt to contact the other driver to establish liability. The Farm Bureau agent in charge of the claim told me to just have my insurance take it to arbitration, before even attempting to establish liability. The day I called to inquire as to why I still had not heard anything and mentioned filing a complaint, they were very quick to send me an email denying liability. 
  
  
  Sincerely,
  
  *** ***** ********

• Initial Complaint

  08/03/2022

  Complaint Type:

  Customer Service Issues

  Status:

  Answered

  More info

  My farm was burned by arson. My home was broken in 2 days prior. urinated and defecated all over my master bed, and walls. 2 of my horses were killed by the neighbor's pit bulls, as well as hundreds of chickens and guineas. The woman next door called me a week prior threatening me saying "I didn't know what I was messing with". This was due to me fighting back stating I was going to shoot the pit bull running my property & harassing my horses. The deputy agreed to round my farm on Mon/Tues randomly due to me being out of town. The neighbors know my schedule as it hasn't changed for a yr. We are isolated & I was gone like usual. The mailman saw my house on fire, saw 2 neighbors on my property leaving, the deputy was pulling in for a random check, & put 2 building fires out. ***** ******** didn't respond to me for 7 days, accused me of being incompliant, being argumentative & angry. She blocked me when I told her that she should be addressing me differently. She is a nice person, but I have the right to say I don't like the way I'm being spoke to. The attorney for FB *** ***** also stated similar remarks and that I hung up on him. We spoke about it & I explained to him that I couldn't speak then as my surgeon was standing in front of me, I was holding my 1 y.o. granddaughter, my house burned down, & I was being told I needed yet another surgery. I was upset. I had to hang up the phone because my surgeon wouldn't wait another second of me saying "I can't talk now". This alone is how I was graded on for personality & I've been ignored since. I have received no help from FB & I haven't had any responses from my adjuster. No replies from the attorney since his part is done; but I was told to go through him only. I emailed a'b the check sent to me; no reply. see attmt. I have requested help with living expenses & hotel & no reply. I was told they were paying off the mortgage. I have made June, July, and now August payments. I was sent a check. see attmt for details.

  Business response

  08/10/2022

  As the complainant mentions in her complaint, her “farm was burned by arson.”  Specifically, on May 23, 2022, certain structures, vehicles and trailers on the complainant’s farm were intentionally set on fire.  The complainant subsequently presented a fire loss claim under her Farm Bureau insurance policy.  Farm Bureau immediately commenced an investigation into the facts and circumstances surrounding the claimed loss.  Farm Bureau’s investigation is ongoing and no coverage determination has been made to date.  Given the incendiary nature of the fires, and the issues involved, Farm Bureau’s investigation has been extensive and thorough.  Farm Bureau has a duty and obligation to all of its policyholders to ensure that this claim is legitimate prior to issuing any payment to the complainant.

  Farm Bureau respectfully disagrees with the assertions made in the complaint.  Farm Bureau has responded to all pertinent communications from the complainant in a timely manner.  In doing so, Farm Bureau has complied with all applicable insurance statutes and regulations.  Farm Bureau will continue to communicate with the complainant as required by applicable insurance statutes and regulations.  Farm Bureau paid off the complainant’s mortgage in a timely manner, as required by the terms and provisions of the insurance policy. 

  Finally, it should be noted that Farm Bureau is awaiting receipt of certain documentation, which the complainant has not provided to date.  The complainant’s production of this documentation is a condition precedent to coverage under the insurance policy.  The claimant has requested additional time to provide this documentation, and Farm Bureau has agreed to her request.  Once the claim investigation is complete, and upon receipt of the outstanding documentation, Farm Bureau will make a coverage determination and the complainant will be advised accordingly.  
  
  Please do not hesitate to contact me if you have any questions or wish to discuss this matter.  Thank you.   
  
  Robert Brady  |  Principal
  

  Customer response

  08/17/2022

  Complaint: ********
  
  I am rejecting this response because: *** ***** is either protecting ***** ******** because he believes what she is saying, and she has been lying about several statements about me from the beginning. Or he is perpetuating a fabricated story to protect Farm Bureau and ***** because he is aware that she is lying about these statements. I am very sure he is lying about the statement regarding paying off the mortgage and not knowing what happened. *** called me and I recorded the call. I have it saved with a .mov file type. I can't load them. If you will send me a link or email that will allow .mov files I will send you 3 files from *** discussing exactly what happened with the payoff to the mortgage. After ***** said she couldn’t get *** to work with her, I got the information in one day. I then sent it to the attorney. I had to repeat this again in one week because he ignored me. After I repeated this, I sent it to him again. I was told by *** that the check was received but she (*****) didn’t follow instructions and sent it to the wrong place. The check was sent back to me on the 22nd of July. I spent 2 ½ hours on the phone with them. I paid August mortgage because of this mistake plus the 500$ extra I have always sent. I called them and asked them what was the solution to this problem? They said it was Farm Bureau’s fault and nothing they could do. I was sent a survey and I completed it. The customer care center called me and that is what I recorded and want to send to you. They described perfectly what happened and that Farm Bureau committed the first error and that is how it became the mess it was. I asked the person if she listened to the entire 2 ½ hour call and she said “yes”. I asked her if I was ever rude, mean, or out of line. I also asked her if she noted the female that was rude from their side. She said that the female that was rude to me was also rude to another person in their department. She further stated that I was never rude or spoke out of line. Therefore in 2 1/2 hours of trying to fix Farm Bureau’s problem on a Friday evening while I was in a truck traveling, recovering from a bone reconstruction surgery on my face, I still never treated anyone badly.
  
  
  ***** stated she offered me an advancement. This is not true. I believe she recorded our time together. I would like them to send that to you. Also, she stated I was rude to her. I would like her to send you anything that supports this. She didn't respond to me for 7 days after the fire and didn't have time to talk to me when I did call. I went by the local office and got information from the person at the front desk. I called her from there. She was in the mountains and said she had no signal. I told her I had severe ******** and I had memory problems and she gave me no email follow up or phone call follow ups. She stated she called and left me a voicemail. I don't show this on my end. She stated that I would have to go through *** ***** for everything at that point. I called or emailed him and would not get a response to ANY of my questions. Not ONE of my questions were answered except in a bulk email after a month or longer. He stated that they could not start the claim process until they received my inventory list. I don’t know how much insurance I have on anything. I can’t read the paperwork and understand it so I asked my friend at State Farm for help. All I remember is I have 180,000 for contents. So, I put down 180,000 worth of stuff on the form. I don’t see why I should have to put ALL my contents on there. I have so much more but I am not getting anything for it so why should I spend the time writing down and researching my items across ******, *****, *****, ********, ******, etc. I found this so hard to get this information that I ended up choosing items that were easy.  To circle back to the advancement, I did ask ***** for an advancement later through the attorney and was told no.  ***** also stated that I have stated that I told her I was living with my daughter rent free and that I needed no advancement. This is 100% false and a complete lie.
  
  Sincerely,
  
  ***** *******

  Business response

  08/25/2022

  This will confirm receipt of your correspondence dated August 17, 2022.  Please allow the following to serve as Farm Bureau’s response to the additional correspondence BBB received from the complainant.

   

  At this time, Farm Bureau’s investigation of the complainant’s fire loss claim is still ongoing, and no coverage determination has been made to date.  Farm Bureau is working to complete its investigation as expeditiously as possible.  Since the date of my last correspondence (my August 10 email below), the complainant finally submitted a list of personal property, albeit incomplete, she contends was damaged as a result of these fires.  The list was submitted on August 12, 2022, and Farm Bureau is in the process of reviewing same.  Farm Bureau is also obtaining statements from witnesses who may have pertinent information, including the individuals whom the complainant has accused of setting these fires.  As noted in my prior email, Farm Bureau has a duty to all of its policyholders to conduct a thorough and complete investigation.  Farm Bureau must perform its due diligence in situations such as this where the loss is the result of arson.

   

  The complainant’s purported issue regarding her mortgage is simply without merit.  Farm Bureau paid off the mortgage in a timely manner, as required by the applicable insurance policy conditions.

   

  The complainant’s additional correspondence to BBB contains numerous misstatements and inaccuracies.  Needless to say, Farm Bureau disagrees with the assertions made therein.  Neither the undersigned nor any representative of Farm Bureau have ever provided the complainant with any inaccurate information.  No representative of Farm Bureau has ever made any negative statement regarding the complainant to *** ********** or anyone else.  Farm Bureau has responded to all communications from the complainant in a timely manner, and will continue to do so.

   

  Please do not hesitate to contact me if you have any questions or wish to discuss this matter.  Thank you.      

    

   

  Customer response

  09/02/2022

  I am waiting on a letter from a witness to add to this. She is providing it asap. Please allow me to add this to my case. If I’m not able to this please disregard though this will show that Ms ***** ******** is caught in yet another lie. I live by the fact that if someone lies about little things, I can’t trust them about anything especially big things. This is a huge thing in my life. These are the people that helped me or was supposed to help me in my paperwork and all the stress with getting coverage on my farm after it burned down from arson. Instead they didn’t help and treated me terribly

  At a minimum can you upload this evidence into my case to be considered? I’m not able to let this go with Farm Bureau. They have ruined my name in this town.

   

• Initial Complaint

  06/07/2022

  Complaint Type:

  Service or Repair Issues

  Status:

  Resolved

  More info

  On Wednesday night, April 27th, a speeding motorcycle with no light makings whatsoever, slammed into my 2018 Buick Encore, and totaled it. I was driving legally, he was driving on a suspended license among other things. My ********************** company threw me under the bus and faulted me at 100% because I didnt yield to something that wasnt there. About a week after my first accident, my insurance company took my statement as a formality because, without doing any kind of simple investigation, I was automatically guilty. I have gotten a newer car taken care of. If it wasnt bad enough, as soon as the company lazily dumped on me, nobody except the receptionist at my local office, has talked to me. I cant get my agent, ***********************, to call me back and the adjuster, ********************* will not respond to phone messages or emails. I need my insurance company to call me back! This was a very serious accident and I believe I have the right to the information they have regarding the accident. I want Farm Bureau, whom I have been with for about 25 years, to call me back! I am going to have to pay out of pocket by hiring a lawyer to get the information my insurance company should be giving me!

  Business response

  06/14/2022

  On April 27, 2022 *********************************** was involved in a motor vehicle accident.  As a result of the accident ****************** elected to have an attorney represent her.  Per her attorney all communication was to go through him, and we could not speak with her.  On June 7, 2022 Missouri Farm Bureau received confirmation that Ms. ******** attorney was no longer representing her, and a letter was sent to ****************** regarding information about this accident.  We understand ****************** does not agree with our liability position but we will not change our position.

  Customer response

  06/15/2022

  Complaint: 17329594
  
  I am rejecting this response because:
  
  I pay to have an insurance company take care of and protect me from the money hungry lawyers.  I reported the accident to Farm Bureau the next morning. From then on, if I didnt call, I got no information. *********************, my adjuster, seemed to have already made his judgement before hearing my side. I call him and send emails and he never answers me and am quite sure he doesnt like me.  This was not the cut and dry accident they are making it out to be. The cyclist was not visible on the road. The question is, if I saw anything, I would not have turned. That is common sense. 
  There was no investigation done which only hurt me. I could not have been doing more than 5 mph. If someone would have investigated, they might have proven that he was speeding since it knocked everything back in the front end, broke the motor mounts and knocked the engine back 2 inches. But nobody has done anything to represent me, I dont recall getting any paperwork in the mail. Maybe if I did have the paperwork it would answer some questions. But I dont have that information. My agent had no information on my case. 
  Then last week I got a letter from Farm Bureau saying they will only pay so much and are then going to let me hanging because they advised I get my own lawyer - HE CAUSED THE ACCIDENT!  
  I have never felt so abandoned in my life.  I thought when I pay for insurance, they are supposed to protect me. So right now I feel like I am in a ghost town.  
  I have a case, it would just cause ************* or an investigator because I pay to be protected.  Because I was faulted 100% the illegal cyclist is being given a blank check to get as rich off of his illegal driving. 
  I dont believe I am being represented to the extent I have been paying premiums for over 25 years and as soon as there is an accident, they are nowhere to be found.  Because of this illegal cyclist who caused the accident, I am now set up to be sued out of my house and what little I own. I am on disability for severe neck pain and back problems. I am on a very fixed income and simply have nothing he can take. 
  There was a comment that I received information about the accident. I have not received any information. I have not one shred of information about the wreck. I dont feel represented by this company.  I did get the money fo the totaled car and the everyone folded up their chairs and went away.  

   

  xx

  *********************************.
  Sincerely,
  
  *******************************

  Business response

  06/16/2022

  We have called ****************** regarding her complaint, and explained the situation with her.  She is now aware of claim process and understands our position.  Should you have any questions or concerns please let us know.

  Customer response

  06/16/2022

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
  
  Sincerely,
  
  *******************************

• Initial Complaint

  06/01/2022

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  I was sitting at a light minding my own business. When I was hit from behind at 45 mph nearly taking my head off and shoving us into car in front of us . They paid me promptly on my vehicle but I have hospital bills that have made it to collections because they don't handle business properly. This may be a discrimination issue because after Joplin tornado there was much shady things covered up by not only this company but it's employees. And I have been a pain in their side before . Regardless I filled out all medical releases and forms I was not even given or mailed I had to get them from my other injured person in car. My question is why not check on people ur company is responsible for paying u already admitted fault just pay me I have no insurance and can't afford chiropractor or anything. You just hope I will give up this is getting more expensive by the day because of lack of follow up on anything. No contact no help no care this company is an investment company that takes ur money invests in things and makes profit on keeping claims low and basically has full controls of the insurance governor. My losses are mounting by the day . This happened in December before Christmas so I had no car and missed countless events not only from pain but we had no car no rentals to be had . So I was stranded this is just icing on the cake not getting any response email anything. Money makes things go away including me my stuffs not cheap neither is urs . Look up my losses cut me a check or this could get way more expensive. This company's lack of attention to their one job is really astonishing. My guess they lost my forms I mailed directly to their main office so im probably at square one still . Ur move I figured this may get something going if this doesn't we move on to the next level.

  Business response

  06/07/2022

  "On December 14, 2021 Mr. ****** ******** was involved in a motor vehicle accident with a client of Missouri Farm Bureau.  Mr. ******** claims he sustained an injury as a result of this accident, and has filed a claim against our insured’s policy.  At this time we are still gathering the necessary medical bills, records, and information and are not in a position to assess Mr. ********’s claim. " 

  Customer response

  06/12/2022

  Complaint: ********
  
  
  I am rejecting this response because: that definitely was a response, which is the only communication I have received from this company not a phone call email letter. so whatever they are looking into is easily available and if I was looking for answers you know I might ask the injured person hey we are reaching out to assess ur losses but nothing from them .I wouldn't insure my bicycle with this company.
  
  
  
  
  Sincerely,
  
  
  ****** ********

  Business response

  06/14/2022

  At this time claim is still "OPEN".

  Customer response

  06/16/2022

  Complaint: ********
  
  
  I am rejecting this response because: these doctor bills are effecting my credit not because of any fault of my own . What is the value of a person's credit score time injury and completely ignoring me . I called from the accident site to make sure he was insured . They admitted fault I literally for the life of me don't know why they are delaying this there is no denying this I have financial losses . Their service after the tornado was worse than the tornado and service after accident is horrible. Still no call nothing . What's funny is they claim to be for missouri and farmers but I am both and have seen none of that.
  
  
  
  
  Sincerely,
  
  
  ****** ********

• Initial Complaint

  03/26/2022

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  ing and explaining how things were going to be covered and the process of how we were going to be reimbursed for all out items that were destroyed and trashed in the process. I had many conversations with **** ***** about the process of filling out the content sheet, so I can get my items reimbursed. She kept saying my stuff was covered from day one. If I had known that they weren’t, I would have had my dad bring out a trailer, and I would have gotten all my things out that day. The problem is, **** ***** kept claiming that my stuff was covered, so another company came in and damaged contents out or sent them to storage. I lost a lot of items, because she kept saying my stuff was covered. During the last conversation I had with her, she was still saying my stuff was covered if **** ******* signs my content list. I believe the claims representative made a mistake, and I believe Farm Bureau should replace the items I lost, because she caused me to experience a huge loss. She kept assuring me that my stuff would be covered, and it wasn’t.

  Business response

  03/29/2022

  The insured was paid for the damage to the insured vehicle August 6, 2018.  In a conversation with her adjuster Brian, she was advised to contact the company where she has her rental/homeowner policy and file a claim for the "personal property'.  A letter denying the "Personal Property" has been mailed today.

  Customer response

  05/23/2022

  I recently submitted a complaint, but didn’t see a response to my actual complaint. I did, however, receive a letter in the mail in April 2022 dated March 2020, and I’m now wondering if that was supposed to be the response. I hesitate, because it was about a claim from summer 2018 when my car was broken into. I’m resubmitting my complaint, because that wasn’t at all what I was referring to. The incident I’m talking about was one at *** * **** ******** ****** ***** *** **** ******* had a house fire on May 12, 2020, and I was living there at the time. **** ***** came out and spoke with us about the whole process of itemizing our content, reimbursement for our content, fixing the house, etc. I spoke with Mrs. ***** many times to ensure we were able to get all our trashed items reimbursed and how to fill out the content sheet. From day one, she has said my items were covered. If I had known they weren’t, I would have made other arrangements. Even the last conversation I had with her on May 10, 2021, she was still claiming my items would be reimbursed. I have had to replace everything I had, because my items were either trashed or taken to a ******* facility, and I had nothing. If Mrs. ***** had given different information, I would have had my dad bring a trailer down and gotten all my items out of the house the day of the fire or the day after. Instead, I was assured several times not to worry, the insurance would cover everything.

  Business response

  05/23/2022

  On May 12, 2020 Missouri Farm Bureau’s insured, Mr. **** ******* sustained a fire loss to his home located at 833 W 57th Ter, Kansas City Missouri.  We have settled Mr. ********* claim in accordance with the conditions of his policy.  Ms. ****** ******** claims she was living at Mr. ********* home at the time of the loss, and Missouri Farm Bureau advised her personal property items were covered under Mr. ********* homeowner’s policy.  This is incorrect as Ms. ******** does not meet the definition of an insured under Mr. ********* policy, and therefore we are unable to extend payment for her personal property.

  Customer response

  05/23/2022

  I am rejecting this response because:
  Missouri Farm Bureau had been telling me for a year that my possessions were covered under the policy. The last conversation I had with **** ***** was on May 10, 2021, and she was still telling me my possessions were covered. If that’s not the case, please return all of my possessions back to me. I want all of the salvaged and non-salvaged items back. I have photos of all possessions. Missouri Farm Bureau and their employee, **** *****, should have known their own policy. Instead, false information was given.

  Business response

  05/24/2022

  “Although Ms. ******** may not agree with Missouri Farm Bureau’s position, she does not meet the definition of an insured and we could not provide coverage for her.  Ms. ******** contends the restoration company (******* – Lee’s Summit) still has her personal belongings.  Although there is no coverage for Ms. ******** we will request ******* contact her about returning her items.”

  Customer response

  05/27/2022

  Complaint: ********
  
  I am rejecting this response because:
  
  At the time I met with the adjuster, she said my stuff was covered. If she would have told me my possessions weren’t covered, I would have had a trailer down and loaded my stuff up. So Farm Bureau instructed ******* to remove my possessions, disposing of several things. Therefore, Farm Bureau is responsible for returning all of my possessions. If Farm Bureau can’t return them, they need to replace them. 
  
  Sincerely,
  
  ****** ********

• Initial Complaint

  02/28/2022

  Complaint Type:

  Customer Service Issues

  Status:

  Resolved

  More info

  On 2/10/2022 my vehicle was hit by a person insured with Missouri Farm Bureau i contacted my insurance ******* ****** immediately after the accident, the farm Bureau insured that hit me didn’t provide me with any of their contact info. It was determined that i am NOT at fault for the accident they only contacted me when my insurance informed them i want to file diminished car value claim many days after the accident. My car is a luxury vehicle the closest facility to fix it is far away . They refused to pay for towing above a certain limit and also for a comparable car rental . They said they would total my car only after i filed diminished value claim . In the meantime my insurance company ******* ****** was moving forward with the process . Once Farm Bureau mentioned my car is totaled and they would pay for a new one i immediately stopped any repairs before being initiated. Now my car is kept in the collision center and will not be released since farm Bureau wont pay for towing and storage of parts . They are very unfair and slow on processing only want to safe money not considering i am not at fault (hit while waiting in traffic lights) . Dealing with farm Bureau is more traumatic than the accident i had .it has been very difficult for me to carry out my daily activities or go to work after the accident . I need my normal life back .

  Business response

  03/07/2022

  Missouri Farm Bureau has not delayed in handling or contacting Ms. ***** ******.  We contacted Ms. ****** a day after the accident, and our auto representative spoke with her after receiving her estimate and photos.  Based on our knowledge and expertise, we determined her vehicle to be an economic total loss.  Please note in her correspondence to your office she states she filed a claim with her carrier and her insurance carrier was moving forward with the repairs.  Missouri Farm Bureau never authorized repairs to her vehicle, and we are NOT responsible for any parts being ordered.  With regards to the towing and storage fees, Missouri Farm Bureau is paying for the towing fee and up to 10-days of storage once we have secured a Property Damage Release from Ms. ******.

   

  If Ms. ****** is not pleased with our service she has the option to proceed with her carrier

  Customer response

  03/07/2022

  Better Business Bureau:
  
  Missouri farm Bearu were able to finally resolve my situation, thank you for co-operating with me . 
  
  Sincerely,
  
  ***** ******

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