Complaint Review: Farmers Insurance Group Aka-Earl Wooton & Carrie Holloway-AgentsKen Hoffman-Adjuster - Fort Smith Arkansas

Dear sir, I do not wish to comments specifically on your matter but I will comment on the nature of this problem and how you may avoid. It I know Earl and Carrie personally and find them not only to be very good professionals but some of the hardest working insurance agents in the area. I do know Carrie has moved on and it was do to no ill effect she has had on the agency. Earl himself is a compitent business man and was former business owner out of state. Your responcibilities that you have when you get a insurance policy is simple get your policy. Your bank would not have settled for just a phone call they would have got what farmers calls a evidence of Insurance for lean holders intrest. Or they may refer to this as a declarations or a binder. They would not have settled for a phone call because they are required to confirm this with paper work. They should have a copy of what you need in order to prove your point to the Farmers Insurance Adjuster who would then question the agency on this. If there was a mistake on the Agents Part he has insurance to cover his liability on this matter. But what happens more times than not is people come in claiming to be on fixed incomes but purchasing vehicles way out of there price range even sometimes recreational autos like motorcycles but then only request "what the state wants them to have" which is not full coverage. Don't get me wrong I could be wrong about your case and this could be the one mistake that Earl or Carrie has made in a fairly long career of excellent business ownership but I doubt it. Clues that tell me you would be this type of customer are in your complaint. You are trying to appease to what some people would call our emotions by mentioning your vetranship and thank you for all you have done in the past for our country. Earl is the type of person if you approach him in the right manner he would most certainly pay for the damages out of his pocket. I know the generousity that him and his staff have. But I am guessing only that your sense of entitlement portrayed in your complaint hides your own guilt. I have worked in the area you are speaking of the area is a upper to mid class city and state who for the past 10 years has had a falling out of manufacturing jobs being sent overseas and to Mexico. The area itself breeds this entitlement mantality in a very large portion of the area. IF you don't believe me go into a local resturant or to the mall sit at any booth and wait. The people here will argue and complain about anything and everything to get whatever they can free and they almost always have a "sob story". As for this situation to avoid this insist on your dec pages. GO the next day and pick them up I know that we cant predict computer problems but I guarentee they can print up at least a binder which will have the information you need. Next how much time past before you checked your insurance. You got the insurance in Febuary but didnt think to get it the next day. Your bank force places you on a very expensive insurance if you do not get your own thats why people don't just let the bank deal with it because they will and you won't like it. So this tells me one of 2 things your bank did get accurate paper work and you went in and changed the coverage later when you did not think the bank was paying attention or you brought in your paper work and bought a new car and did not figure in the insurance till you had already bought the car.Theres a application you have to sign from Farmers Its called the memorandum of insurance and the first page for the form in the state of Arkansas is the coverage in black and white on the first page. Really sir the excuse that you don't have money for a attorney makes me question this whole thing. I live in Fort Smith and every other commercial on TV is an attorney who just loves insurance cases telling the world you dont have to pay a dime if they don't win. Just google Nolan Cadell and REynolds. What probably happened is you went to an attourney they told you you have no case because they see the holes I see in your story and think as I do that in court it doesnt matter if you are a vet. you still have certain responcibilities to tend too such as your own satisfaction with your insurance policy. Either way I would suggest that you take some responcibility read your paper work and make copies everytime you can. See because at Farmers they have this great system that requires them to image in that application you signed before they can even start a real policy which means you would have had at least a policy you could have looked at before you agreed to the coverage. And Since I know they have a good working copy machine at Farmers there would have been no reason for you not to request a copy of that for further study later that night even. Or how about the next day seems something that important would be worth making sure you had the correct documentation even if through some fluke your bank was not on the ball and protecting there asset in your loan. Do not leave your insurance office with out documentation. Period . I think most of us here would know that and I am suprised that someone old enough to be a Vet. Would be that wreckless. Either way thank you for your service and next time. Don't tell your insurance agent you want the cheapest coverage you can get and maybe next time you won't get the cheapest coverage he can give you.