Posted by grandpajohn on July 17, 2012 at 21:53:39 from (75.250.45.112):
In Reply to: mpci insurance posted by huskers86phone on July 17, 2012 at 08:28:55:
I think most of you making comments here need to get a better agent. I work for a crop insurance company as a claims manager and have been in the industry for almost 19 years.
My experience tells me that most agents do not have a clue what they are selling. If your agent is not a crop insurance only agent, he probably doesnt know much.
As far as having to combine the crop, its your choice. The adjuster will appraise your crop and you are welcome to be with them when they do it. They should pic areas in the field that are representative of the field so if the row has some ears and part of the roe doesnt they should choose a place to sample that has some ears and not some ears in proportion to the rest of the field. Most adjusters will tell you, that you have to combine the field. Usually they tell you that because they are too lazy to appraise it.
Your premium is based on your yield. The company cannot surcharge you or change your coverage because you have 3 claims in a row. It is your average yield going down that changes your premium or guaranteed bushels.
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