It's up to the insurance company here in MN as to who can adjust a loss. So if the agent/banker has no authority to adjust a claim has no conflict of interest in how the claim is settled. For the banker where the conflict would be in forcing the farmer to buy crop insurance through him to get the loan.
Like my farm and auto coverage is through the same agent. For the farm, not counting crop insurance, he can adjust a claim up to 5K himself. For auto he is not allowed by the company to settle any claim. Conflict of interest? Sure. It's in his best interest to settle fast and a little more than fair to keep customers happy.
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Today's Featured Article - Gatherin of the Orange - by Rick Nikolich. In July of 1998 I was talking to fellow Allis Chalmers collector Mike Schilling about the annual "Gathering of The Orange" AC show coming up in August of 1999. He got this wild idea that we should get a convoy of AC tractors and drive them from Charlotte, Michigan 105 miles to LaGrange, Indiana.
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