Farmers Insurance Company

A. Employees of Farmers openly acknowledge that imitation parts are NOT pre-loss quality but demand
  their usage anyway to keep their ‘numbers’ to their supervisors up *

B. ‘Pay to Play’ policy with body shops (i.e. shops are required to give
  Farmers kickbacks or otherwise they will not be recommend to
  claimants by them)

C. Refusal to pay Diminished Value unless legal action is sought by the claimant

D. Refusal to pay fair costs for loss of time and/or personal injury settlements unless a lawsuit is filed
  against them

E. Refusal to handle claims in a timely manner unless a claimant uses one of their contracted repair
  facilities

F. Farmers has hidden contracts with repair shops. No disclosure of this is made available to the
  claimant.

* Comprehensive article coming on this in OSAR’s first edition newsletter due out January 2008