If another driver was responsible and that driver was insured by Farmers, your diminished value claim is a third-party property damage claim. You are not bound by that driver's policy wording. What you have is a claim file and an adjuster.
The steps below are the same consumer process we publish for every major carrier: identify the property-damage adjuster, put the demand in writing with evidence, and respond to a formula-based figure with your documented estimate. We do not invent how often this company pays.
Put the claim in writing
Ask for the property-damage claim number, the assigned adjuster's name, and a written channel. Send a dated letter with the repair invoice, history report if you have one, and your documented estimate. Keep copies.
If the response is a formula
Compare their base value, damage modifier, and mileage modifier to your file. Market evidence for the specific vehicle is the usual reply — not an argument about the company's reputation.
Questions
Do you have a special relationship with Farmers?
No. We are not affiliated with, endorsed by, or acting for any insurer. You send your own correspondence.
Is your report a licensed appraisal?
No. It is a documented estimate and a letter template you review and send. It is not a licensed appraisal.
Public website: farmers.com