All is Happy till the unfortunate day comes when you actually have an auto accident. I meet in an accident where I was luckily saved, but the oncoming car hit my hood very badly. I reaslised, the car was in no shape to be fixed. It was a 2009 Chevy Model for which I paid $15000. My Story goes as follows...I come home to file claim online...The farmers site refuses to work and accept my claim...Frustrated, I later call the helpline to file the claim. Cheerfully I was asked to take the vehicle to either Farmers recommended shop or one my choice. I reviewed among choice given and took it to the recommended one. Got a rental too. A week later body shop determines its a Total loss. Next days, A farmers rep visits the shop to list out damages for appraisal. He latter calls me saying there were few damages but overall its fine..I ask him for report next day and get this pdf file with photos in it.. Most of the pictures were of small tiny marks hardly visible to naked eyes and also of few dirt marks on leg mats and seats. These pretty much looked of marks left by body shop employees. ..2 days latter I get a Market Value Report of My car...Surprise, Surprise... Farmers now deducts $1500 of my cars value due to those dirt marks on mats and the single sopt on seat and also the unvisible marks...Latter in the report (which was well manipulated by CCC) they have listed 25 vehciles of similar type...50% of the vehciles were of rock bottom prices which were either too far in some depressed towns or non existent in dealers outlet. Avg these low ball prices Farmers now offer me $11K for a 2009 Model vehcile which every dealer in the city is selling for $16, 000. Farmers rep then threatens mee too that if I dont accept what the offer, they simply will mail the cheque - Salvage cost...They also threatened that If I do not accept their offer, they will try to see if they have given any waivers or any further damages could be found to further reduce the offer price. Simply Dirty AxxHoles. STAY AWAY FROM FARMERS INSURANCE