ComplaintsforMissouri Farm Bureau

• Initial Complaint

  12/22/2021

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  I had an accident on 12/8. The young man who hit me got out his car gave me a name and number. He then left the scene of the accident (which is considered a hit and run when someone leaves the scene, and you have no idea who they are). My friend who was also in the car snapped a picture of his car and the temporary tag that was on his car. The police arrived and took a report. I called my insurance company and stated I had an accident and everything that took place. I spoke with ***** ****** (the insurance adjuster) and she stated I needed to get my car towed to a shop to get estimates. Which I did and the shop gave me an estimate of the repairs. ***** informs me that if the owner or operator of the uninsured motor vehicle cannot be identified then my car damages will not be covered. Now mind you we don't know who the young man is all I have is what he told me and what I told the police. The police (Dellwood police) department were no help at all. I asked if the temporary tag could be traced, and they came back and said it's not coming back to a person with the name you gave us. Well, that wouldn't be my fault it's a hit and run. I have full coverage I make my payments on time, and I'm told nothing will be covered. Why because of a bogus lie that they are telling, how would we know if the driver who hit me is insured or not. IT WAS A HIT AND RUN. I called my insurance agent (mind you my mom has been with this company for four years and has homeowners' insurance and car insurance with this same company and has referred people) Mr. *** ***** who was just as rude and disrespectful as *****. He stated to my mom that I should be thankful that her daughter wasn't hurt and as he previously stated it will not be covered with this coverage. I've never in my life heard of such a thing when it's a hit and run. I would advise anyone who's considering this company to consider otherwise. It has been a complete disaster trying to find a way to work.

  Business response

  01/06/2022

  Insured was advised that she did not carry "Collision Coverage", as she reported.   But did carry "uninsured Motorist damage to your auto".  At this time we have not learned who the driver of the other vehicle was, and until we can locate the driver we cannot move forward with this coverage. At this time the claim is still open.   It is the insureds responsibility to know the coverage that they carry.  

• Initial Complaint

  11/29/2021

  Complaint Type:

  Customer Service Issues

  Status:

  Answered

  More info

  I was in a crash in New Bloomfield MO 65063 on September 21st 2021. The driver at fault pulled out in front of me and we collided. There was a police report filed. The driver of the other vehicle was not the owner of the car, however the owner of the car did have insurance. I contacted their insurance company to file a claim. 2 months later after numerous phone calls from me to them (most unanswered I did get 2 short voicemails) I was told they couldn't get the police report or a statement from the driver. I offered multiple times to provide them with the crash report showing that their insured was at fault due to "external distractions". I then received a letter saying my claim was dismissed as their insured was not liable. I have contacted them twice via phone and once via email since this letter and have not heard any response.

  Business response

  11/30/2021

  Ms. ***** was contacted this morning and the issue has been resolved.

• Initial Complaint

  11/04/2021

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  My son sold his car on August the 3rd 2021 due to car issues and had already picked out a new one. Once the new car got delivered from out of state a mechanic stated he didn’t think the car was worth the price and it would need a new transmission soon so we sent it back. Finally got him a new car in October which took longer than expected due to the lack of inventory. Prior to him getting the new car our insurance agent ***** ******* tells me we need to put him on mine till he gets one via text. Told her I was on vacation at the time and he was in the process of purchasing a new one but okay. Once she texted back that it was going to cost $700 extra a month to add him I said no, that is absolutely ridiculous. We can just wait till he gets his car. ***** ******* decided to undermine my refusal and add it on anyway!!! This was last month in October. My insurance bill is 138.99 a month. When I received my November bill it was 1,436!!!! Obviously I’m outraged at this point. Never signed anything agreeing to this and literally told her no and she did it anyway! I have been calling all week to get this figured out and taken off my bill. ***** is refusing to take it off stating it’s their company policy which seems to me absurd and fraudulent. How is it okay to just put something on someone’s bill without their consent and he is not even driving my vehicle!

  Business response

  11/17/2021

  March 2021 – *******’s son totals vehicle – Farm Bureau pays claim
  April 2021 – The son gets new vehicle, new policy is started
  Sept 8th - ******* stated that her son had sold the vehicle back on 8/3/2021. The agent backdated cancellation and Farm Bureau issued refund for premium paid.
  Sept 29th – Agent contacted ******* informing her that because he did not have a vehicle of his own, he would have to be rated as a driver on her vehicle.  This is standard procedure for any insurance company.   Every driver in a household must be rated on an auto insurance policy.  Her response was “You can put him as a driver on mine.”
  Oct 1st – Agent let ******* know that she added the son to her vehicle and the new rate was $720.20/month.
  Oct 6th – ******* responded saying that she had been on vacation, and that ******* would be purchasing a new vehicle soon and wanted to hold off on rating him on her vehicle. Agent explained that the change had already been made, but to let me know as soon as he got a new vehicle so she could move him to the new one and get her rate back down to original rate for her vehicle. She stated that the new rate was ridiculous and that she had never agreed to pay that much. Agent explained that he has to be rated on a vehicle and that she had a text from her saying to go ahead and put him on her vehicle. Agent also explained that the rate was high because of his age and recent accident.
  Oct 25th – Agent emailed ******* asking for a copy of her son’s last semester report card to keep his good grade discount in place – no response received to date.
  Nov 2nd – Agent received text from ******* with a copy of her most recent bill which was for 2 months of the new rate (Oct change and Nov bill). Several texts between agent and ******* about the bill, and she said she would call the agent on Wednesday, Nov 3rd.
  Nov 3rd – no contact from *******
  Nov 4th – ******* called.   She was abusive, using inappropriate language and raised tones.  She mentioned that ******* had gotten a new vehicle back in October.  She would not give the agent any information on this vehicle at the time.

  Nov 5th - ******* was presented with two options.  Both were discussed in detail with her.  She did not make a decision.

  Nov. 8th, 9th, 10th - Agent attempts to contact *******.  No response. 

  Nov. 16th – ******* finally called in to the agent.   They both agreed the best action was to exclude the son from her policy.   The agent was able to backdate this request, effective Oct. 1st, removing the additional charge.   This was deemed a satisfactory resolution by *******.
  

  
  

• Initial Complaint

  06/02/2021

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  in approximately april/may of 2021 i started to search around for different quotes to see if my rate was in the ballpark. i kept getting declined. i called one of the insurance companies that declined me and inquired as to why i was being declined. he said my clue report indicated that on 12/18 i had a bodily injury accident and on 10/18 i had another accident. i contacted lexis nexis and was advised that this information was being reported by missouri farm bureau under the insureds name of john pruitt and ********* ******* pruitt. i have never lived in missouri nor been with missouri farm bureau nor was i ever in a bodily injury accident. i dont know know who john pruitt is nor do i know who ********* ******* pruitt is even though we have a similar name. Lexis Nexis filed a dispute report on 5/21 and missouri is taking their sweet time fixing this error. i cannot get anything other than high risk insurance at this time. lexis nexis reported to me that there are other claims.

  Business response

  06/08/2021

  We have contacted Lexis Nexis and all the information we provide them concerning the claims are all accurate. The error is within their company and we have no authority to change any information.  Ms. ******* will have to deal directly with that company.  We are sorry for the inconvenience this has caused.

  Customer response

  06/11/2021

  Complaint: ********
  
  I am rejecting this response because:  although i am not an insured with missouri farm bureau nor did i ever have an accident with anyone involved with missouri farm bureau  they must notify lexis nexis that i am not the ********* ******* involved in these accident but it is their insured john pruitt and ********* ******* pruitt on cottonwood drive in missouri that are policyholders and not just drop the ballon someone that can cause great financial ruin.  
  
  
  
  Sincerely,
  
  ********* *******

  Business response

  06/14/2021

  We have verified that all the information is correct that we reported for the claim.  The insureds name is hyphenated, Social security number and date of birth are all correct.  Again, we verified everything we reported is correct.  
  

  The error is with Lexis Nexis and you will have to work with them to solve this problem.  We did confirmed that they do have a report that was filed concerning the issue from the consumer. 

  Farm Bureau is sorry for the inconvenience this has caused and we have done everything we can do.  

  
  

  Customer response

  06/15/2021

  Complaint: ********
  
  I am rejecting this response because:
  
  
  lexis nexis is still reporting that missouri farm bureau is still not cooperating with them to disprove missouri farm bureau was never an insured of the company
  Sincerely,
  
  ********* *******

  Business response

  06/16/2021

  Please accept this as a follow up regarding Ms. ********* *******’s complaint to your office.
  
  As Ms. ******* states, Missouri Farm Bureau has an insured, Ms. ********* Pruitt *******.  She states that our client’s losses are being reported by us as her being involved in these claims.  We have reviewed our client’s claims, and confirmed the information we sent to CLUE/LexisNexis was properly submitted.
  
  On June 4th Missouri Farm Bureau advised CLUE/LexisNexis regarding this dispute, and notified them we had reported our client’s claims correctly.  We recommend Ms. ******* contact CLUE/LexisNexis about this matter as there has been no error or delay on Missouri Bureau part.  This complaint was filed by an individual that is not our client so we we cannot release any information from our claim file to her.

  Customer response

  06/21/2021

  Complaint: ********
  
  I am rejecting this response because: i finally received my full disclosure report from lexis nexis and i filed at least 25 disputes based on information supplied by missouri farm bureau.  i would think that their insured would be interestedto know that i have vast knowledge of their personal information on my clue report including who resides in their household, the cars they drive, their accident dates and payouts, not to mention the value of their home, the amount of their mortgage, the amount of their home equity line of credit and information on their american xpress card as well as her driving record on file with the state of missouri.  i once again state that i never lived in missouri, never had a missouri drivers license  I also have adetailed list of her various aliases on my clue report as well as information about john pruitt and wgat appears to be their family members.
  

  This is a very dangerous situation. 
  
  Sincerely,
  
  ********* *******

*Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business. ↩