Farmers ain't bad...I'd stick. As far as the adjuster thing...yeah, there is a dff, but when we open something up, and an adjustment is needed...Some guys say "Take a picture, and send it"....some will hold the customer up for days...or weeks,trying to save 17 dollars. Our car is different....it's O.E.M. or nothing. Here is where it gets important....the better companies will do all they can to save your car...if you want, if it's close, they will kill it for you. Another issue is how these operations deal with people YOU hit....I know.....you don't care. If you drive a beater, get BEATER insurance...love your car?...spend the extra. This is from the guy that puts your car back together.