After being a low-risk customer of Farmers for over a decade with homeowners and auto insurance and NEVER filing a claim, my vehicle was struck in a parking lot last week.  I obtained the other driver's insurance info (USAA), obtained an estimate to repair the damages, and called my local Farmers office to ask what to do.  They provided me incorrect information regarding my deductible and said I should file a claim with Farmers Helpoint.  So, I called Helpoint, and proceeded to be told that the deductible would actually be much higher and not fall into uninsured motorist or comprehensive, despite...