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 - Listening to Your Tractor - by Curtis Von Fange. Years ago there was a TV show about a talking car. Unless you are from another planet, physically or otherwise, I don’t think our internal combustion buddies will talk and tell us their problems. But, on the other hand, there is a secret language that our mechanical companions readily do speak. It is an interesting form of communication that involves all the senses of the listener. In this series we are going to investigate and learn the basic rudimentary skills of understanding this lingo.
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