Dave Hart - Farmers Insurance

A year ago I was involved in a minor parking lot fender bender with a truck and a trailer I was towing in the parking lot. Fault wasn't clear and no police report was made but I turned in the incident to my insurer (Farmers). No claim was made by me for any damage and no claim was made by the other party involved. Nothing more happened and there was no expense to Farmers, but the next time my policy came up for renewal, my policy increased as a result of that report. I was charged as though it was an accident I had caused and as though Farmers had to pay out on a claim.
Dave Hart, my insurance agent, indicated a couple times he would check into it but nothing changed and the premium increase has continued. I have no idea whether he tried and was ineffectual or whether any attempt was made. I never received an explanation beyond the initial one.
This review is probably as much about Farmers Insurance as Dave Hart since I have no way of knowing who dropped the ball. Normally, Mr. Hart and his wife are responsive, though they seldom are able to make a real difference in issues I may have with Farmers Insurance. Most of my issues with Farmers are over rates and the overly broad policies which don't seem to look at the individual circumstances. That is what you rely on your agent for and I can't say that I have been satisfied overall.
There have been positive things. a couple months ago when I was doing a refinance of my house, I quickly needed a confirmation of my coverage on my house and in less than an hour of my request, Dave Hart sent me what the lender requested. That is good service, unfortunately, I don't feel that way overall.