SECURITIES AND EXCHANGE COMMISSION
                             WASHINGTON, D.C. 20549


                                    FORM 8-K


                Current Report Pursuant to Section 13 or 15(d) of
                           the Securities Act of 1934


       Date of Report (Date of earliest event reported): November 18, 1999


                       FRONTIER ADJUSTERS OF AMERICA, INC.
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             (Exact name of registrant as specified in its charter)


           ARIZONA                    1-12902                  86-0477573
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(State or other jurisdiction    (Commission File No.)      (IRS Employer ID No.)
     of incorporation)


                  45 East Monterey Way, Phoenix, Arizona 85011
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               (Address of principal executive office) (Zip Code)


       Registrant's telephone number, including area code: (602) 264-1061


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          (Former name or former address, if changed since last report)

                       FRONTIER ADJUSTERS OF AMERICA, INC.

                                    FORM 8-K

                                 CURRENT REPORT


ITEM 1. CHANGES IN CONTROL OF REGISTRANT

     United  Financial  Adjusting  Company  ("UFAC")  is the owner of  5,258,513
shares of the Company's  Common Stock.  The shares of Common Stock owned by UFAC
represent 58.7% of the Company's issued and outstanding Common Stock (58.1% on a
fully diluted basis).

     UFAC  was  a  wholly  owned  subsidiary  of  The  Progressive   Corporation
("Progressive").  On November 18, 1999, Progressive filed an amendement to their
Schedule 13D indicating a change in ownership of UFAC.

     Pursuant  to  a   Contribution   Agreement   dated  October  1,  1999  (the
"Contribution  Agreement")  between  Progressive  and Netrex L.L.C.,  a New York
limited  liability  company  ("Netrex"),  on  November  5, 1999 (i)  Progressive
contributed  (the  "Contribution")  all of the  common  stock of UFAC to  Netrex
Holdings L.L.C.,  a newly-formed  Delaware  limited  liability  company ("Netrex
Holdings"),  in exchange for 51.3% of the outstanding  units of Netrex Holdings,
and (ii) Netrex was issued the remaining  outstanding  units of Netrex Holdings.
As a result  of the  Contribution,  UFAC  was  transferred  from a wholly  owned
subsidiary  of  Progressive  to a wholly owned  subsidiary  of Netrex  Holdings.
Netrex  Holdings is governed by an Operating  Agreement  dated  November 5, 1999
between  Progressive and Netrex,  pursuant to which the business  operations and
affairs of Netrex  Holdings is managed by Netrex Corp.,  a New York  corporation
("Netrex Corp."). Netrex Corp. is an affiliate of Netrex and not of Progressive,
and may only be removed as manager of Netrex  Holdings by  unanimous  consent of
all of the members of Netrex Holdings.

     As a result of the transactions contemplated by the Contribution Agreement,
Progressive has informed the Company that  Progressive is not able to direct the
vote or  disposition  of,  and does not share  the  power to direct  the vote or
disposition of, any of the Company's Common Shares.

     Pursuant to the  requirements  of the Securities  Exchange Act of 1934, the
Registrant  has duly  caused  this  report  to be  signed  on its  behalf by the
undersigned hereunto duly authorized.

     December 2, 1999                   FRONTIER ADJUSTERS OF AMERICA, INC.

                                        By: /s/ Francis J. LaPallo
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                                            Francis J. LaPallo
                                            Executive Vice President