I'm writing this as a medical professional who has had nothing but problems with Farmer's Insurance paying legitimate medical claims for over 25 years. They are the absolute worst company imaginable. They won't pay claims. Patients are forced to take pain pills instead of receiving therapy, because therapy is much more expensive than addictive pain medications. Meanwhile, patients get addicted to the pain medication, regress due to not being able to get the needed physical therapy, and have their pain syndrome become permanent. Then Farmer's hires its own lawyers to defend them against the inevitable lawsuit. This company has proven itself, over three decades of my experience with them, to be absolutely the worst insurance company I have ever dealt with - bar none. Don't get fooled by their TV commercials; they are absolutely a terrible company that's in it for their own profit only, and care nothing for their injured clients.