Ag Workers Mutual Auto Insurance Review (2023)

On June 2, 2020 I took my 2011 Honda CRV to McLarty Honda of Little Rock to have a broken belt replaced that controlled the power steering. The vehicle had zero issues with overheating prior to entering their shop and the radiator fluid had been checked earlier that day at Moore & Robinson on Markham Street in Little Rock as a courtesy since I was having new tires put on it. I told the service area employee who met me at McLarty I only wanted the belt replaced (and I showed him the broken one) and the complimentary passenger airbag recall tended to since I was there anyway and had received a letter in the mail about the recall saying it was a free replacement. I waited for some time and listened to the employee informing two elderly appearing people of unexpected repairs to their vehicles. This, along with the AAA tow truck driver's warning to me that McLarty would likely try to tell me my entire air conditioning system needed replacing and to let them know I only wanted to replace the broken belt, made me suspicious. The first update I was given was that they recommended replacing the entire air conditioning system. I declined and reiterated I only wanted the belt to be replaced. It was getting late in the day so the employee left to see if they had a loaner vehicle for me. Then after quite awhile he returned and stated that they could not replace the broken belt because they didn't have one (if it was out of stock why didn't they say that before I had spent two hours plus waiting on its repair?) and furthermore he informed me the car was now "dangerous to drive". I asked him how that could be since it had driven there perfectly fine and did not get a satisfactory answer at which point I told him I was ready to leave. They had me sign some piece of paper and charged me nothing for the several hours. On the way home (at the time I lived at 2412 Hickorynut Ct in Little Rock which is only a few miles away from their location) the vehicle began overheating almost immediately. I turned my heater on all the way up and rolled my windows down and made it home. In the past I had had several vehicles that were older and had radiator issues and had had to deal with that kind of thing, although the CRV had never before had any such issues. Due to my suspicions and the fact they had kept my car for over two hours (and had tried to sell me over $1000 of extra repairs that I had been warned about), I decided to record checking the radiator fluid level when I got home. The video (which I still have) shows the radiator being completely empty. I filed a police report with the Little Rock Police Department about what McLarty Honda did, and opened an insurance claim with AgWorkers. Due to my still owing on the car, I had full coverage insurance and my policy stated there was coverage for vandalism and/or mischief. AgWorkers denied my claim the first time (the first adjuster allegedly inspected it while I was away. I had left the vehicle unlocked in the driveway for him, yet I never got a report on the findings nor was there evidence in the car that it had been looked at that I could see). I appealed the denial and [REDACTED NAME] (another adjuster) was assigned to the the claim. On July 14th he told me in an email (which I still have) he would be inspecting the vehicle tomorrow. I emailed him July 18th asking if he ever had and he replied on the 21st that the carrier requested I be present. Due to some personal issues I had no access to my email for about two months and did not see his July 21st email until September 24th when I emailed him to see what the status was. I never received a response and upon my contacting AgWorkers was told the claim was denied again since it was deemed a "mechanical issue" instead of mischief and/or vandalism. I filed complaints with the BBB and Arkansas Attorney General's Office about McLarty Honda and may yet pursue the matter in court. [REDACTED NAME] should have inspected the vehicle on July 15th like he said he would and my claim should have been paid out as the total loss it was under my covered mischief/vandalism coverage.

I was in a rear end incident that resulted in minor damage to my back bumper. It has now been 45 days and I have no payment. I even took my car to a shop to get an estimate to expedite the process and it hasn't helped. Every time I ask for someone to call me back or respond to an email I never hear from anyone. Today I spoke with a manager who didn't even have the authority to release the $3,000 that it's going to take to pay for my damage. So I've been driving around after a no-fault accident with a damaged vehicle for over a month and a half now. surely this isn't the norm for this company and someone will reach out and help me and resolve this issue.