The whole idea of insurance as someone stated is to allow you cover a loss that you don't have the money to cover. What you have to be aware of is that each state has it's own insurance laws. Some states have laws that favor the companies and others have laws that favor the policy holder. It doesn't matter which state the company is based in, they have to meet the laws of the state you live in with the exception of auto insurance where they have to meet the laws of a state you may happen to be in at the time.
All of us on here have computers so researching your company shouldn't be too hard. You can check out different companies, find ratings on them and so on For your state . You can find companies that are fair and you can find out which ones are slow to make good on a claim. You will most likely find through research that you will get what you pay for!
I too am a former adjuster. I was licensed as an independent adjuster by the state of MN. In MN you have to pass detailed test that cover insurance law. I was licensed for all lines of insurance. Because of this I had the opportunity to work for a bunch of different companies. Just because they are small doesn't mean they are bad. But in my experience the cut rate companies were the worst ones in pushing you to find reasons to deny a claim.
When you suffer a loss your insurance company can turn the situation around and help you recover from it or it can make a bad situation even worse!
I pay a little more for insurance to be with a company that I have confidence in and has a very good reputation.
Your agent may be good or bad too. Here in MN it doesn't take much to become a licensed agent. They basically have to know the different types of policies. I have seen many times where a policy holder trusting the agents knowledge have ask about a loss and been told it's not covered when it fact it was. That's why your policy and insurance cards (cab cards) have a 1-800 number. USE IT! Most often the person you talk to can tell you what's covered and what isn't and if they don't know they will either find out or start a claim so it can be determined! Most insurance companies don't mind you calling and asking about coverage too. They know that the agents may not know everything. They would prefer you to call about something, in this case covering the tractors, than to have you switch coverage to another company.
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Today's Featured Article - A Question for Dads This recent topic from the Tractor Talk discussion board is being highlighted because it is an awesome display of the caliber of individuals that have made this site their own. The young person asking questions received positive feedback and advice from total strangers who "told it like it is" with the care many reserve for their own kids. The advice is timeless... so although it isn't necessarily antique tractor related, it will be prominently displayed in our archives to honor those who have the courage to ask and those who have the courage to respond in an honest, positive manner.
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