I was treated to the most unprofessional bombast by a 21 Century claims reprehensive. Basically this fraudulent company tries to settle claims by bullying, intimidation and withholding of information. Their insured bullied my daughter and refused to provide his insurance information. My insurance - Costco Ameriprise always excellent - had to chase him for over a month. He did not report to the DMV, did not attempt to contact his insurance or return our insurance agents call or contact us. Yet, the Farmers Claims representative blames my daughter. Will not address his insured individual's lack of responsibility and lawfulness. Robertson also refused to address the legal requirement to file an accident report. Simply repeating and repeating he had two years. But the two years to file a claim has no relationship to the duty to report the accident. So this is a material obfuscation of facts. If you have this insurance, switch as soon as you can. The lowest possible rating is earned by all posters. As I have the time, I will followed this all the way to court. Some how I do not believe a judge or arbitrator will find the intentional bombastic obfuscation by the company or the insured, trust worthy. Not one little bit. Res ipsa loquitur by the actions of the insured and 21st Century / Farmers insurance company.