I & My Wife bought a Minivan at our bank First National in Mountain Home, AR. We had it financed so we needed to have Full coverage Insurance. So we did this first through Affordable Ins.co.in Mtn., Home, AR Then we moved to Springfield, MO. And had Full Coverage Insurance Through American Family Ins. Then we Moved to Fort Smith, AR and went to Earl Wooton/Carrie Holloway the local agents there! We explained that the bank had the titles to our Chevy Venture Minivan and my F-150 Ford truck as colleteral on the loan for the Minivan and that we just moved and had to have Full Coverage Insurance on both vehecles as our bank insisted on this as part of the loan agreement. I showed them the proof of insurance that we had through American Family and Affordable Ins. Companys and told Farmers that we wanted the same Insurance as we had at American Family! The agent Earl Wooton had his secretary do the paper work This was feb so we asked for the decluration papers as to our deductions Etc. Carrie Holloway said she would mail them to us we did not recieve them in Feb., and or March So i called the agent and they said they must have been lost in the mail so then on April the ninth 2008 We had a bad hail storm in Fort Smith, AR. I put in a claim and an adjuster came out a Mr. Ken Hoffman i was not home so my wife told him to please wait as i was on my way home he replied i can not wait i seen the Minivan i will come back next week to look at the truck which he did not so after several attempts to get someone to come out again to look at the truck, I got angry and the agent told me just to fax the adjuster Ken Hoffman the estimates which i did on 05/07 I then called the 1-800-help point number (800-435-7764 to make sure that Mr. Hoffman recieved the Estimates which they confirmed that he did! After not hearing from anyone in a few more weeks i called the Agent and Farmers At the 1-800-help point number. All of a sudden no one heard of Mr. Hoffman And Earl Wooton's secertary Carrie Holloway quit so now they have both disapered. But the agent Earl Wooton was still there and now he will not talk to me so i called Farmers and now they are saying that we only had liability Ins., But Carrie Holloway called my banks loan officer MS. Gale Moore! Who is now the Vice President of the bank and Carrie Holloway confirmed to Gale that we had Full coverage on both the Minivan and Truck! As i am a Vietnam era disabled veteran and my wife is disabled as she has Cerebral Palsy we are both on fixed incomes and we have no extra money to attain an Attorney! So we are at a loss i tried to complain to the Arkansas Insurance Dept. But nothing became of that! We have been lied to and cheated By a large Coporation and also given the run around by Farmers who even sent another Adjuster out in June, A Mr. Jon Pattyson he was at a loss as after he inspected both our Minivan And my Truck he started to caculate everything and then he told me that it showed that we only had liabilty and that Farmers should not have sent him out if this was true so he had no idea why he was at our house and why he was told by Farmers that we were fully covered for our losses! This is very sad that people can get away with this and especially to an American who has served his country and a couple that are both disabled! As Farmers knows that we will never be able to go after them as the agent knows that we are both disabled and on fixed incomes! What really gets me is we were paying more at Farmers than at American Family for the same coverage but then found out it was more money for less. Which by the bank we had to have full coverage as it is in the loan agreement and if we did not have full coverage we would have had to have it through our bank these people lied to our banks loan department and to the Vice President of the bank as well as to us! I have all documents and everything else except the declarations papers! And we can not do anything about it or get any help with this matter! Sincerely A Disgusted Vietnam Era Vet!
Stephen
Rogers, Arkansas
U.S.A.
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