Yeah. It was a crazy situation. I dealt with a lot of Ag customers. Was getting fairly regular guys farming sunflowers would loose a combine. Would take us a year to reach settlement between us, JD using Yost and Bail as our representatives at joint inspections, settling with the customer and moving the salvage off their property. All Said and done we usually got 50%-70% back on average from JD. Everybody was happy apparently except JD. Once they got a new VP he put the brakes on and suddenly we were taking a year and a half to settle a half million dollar combine loss. Farmers getting pissed that they see their burned up combine sitting in the field the whole time. Then were recovering $0 and suddenly premiums shoot up because of it. Now in the area where I had a lot of sunflower farmers they're very few still raising flowers and swap to corn or sorgum instead of bucking up that extra $$ they would make on flowers only to give it away to the insurance man to pay the higher premium for the exposure of dealing with flowers.this is an interesting and enlightening concept. guessing allstate isnt allowed to tell us this
Also comes to mind on Jeep Wranglers. I had a couple burn up and fire investigation lead to the firewall area behind the engine on the passenger side. Jeep had a service bulletin and a recall for it. Because the customer never took it in, Jeep claimed not their fault, that they did their due dilligence to protect the public by issuing the recall and notified the customer. And they are right, they cant make the customer come in and it is the customer responsibility. We paid our insured but we never recovered anything on it from Jeep. Just chalk it up to another loss, increase the insureds risk factor, raise the rate a little and move on.
