Climate Corp. Updates Crop Insurance via High Tech
22.05.12
Historically, farmers have relied on crop insurance sold by the federal government. The program is rife with all the red tape bureaucracies are famous for. Farmers must plant their fields on a schedule determined by the government and consent to inspections. To estimate crop value, they have to record and turn over years’ worth of data about yields. When disaster hits, claims take months to process, and the payout often only covers costs, not lost profits.
Climate Corp. has a different approach. The 130-person company includes a dozen PhDs in fields including applied math, statistics, and neuroscience. They’ve harnessed decades’ worth of data from the National Weather Service and other sources to come up with a picture of rainfall, temperature, and soil conditions in farmland across America. The data sets are fine-tuned enough that Climate Corp. knows how the average weather at one spot differs from another 2½ miles down the road. It uses this information, along with historic crop yields, to predict how next year’s haul is going to look. “We’ve got a bunch of quants going over 30 years of daily weather data,” says Friedberg. “For each location, we have simulated the weather for the next 730 days, 10,000 times.” The data let the company customize insurance prices according to each farm’s risk factors and offer protection that supplements the federal offering, covering weather events including excessive rain and heat.
Three west-central Illinois corn, soybean and beef producers are among the 10-member panel that will speak to members of the House Committee on Agriculture on Friday during a field hearing on the next farm bill.
David Erickson, president of the Knox County Farm Bureau and a farmer in Altona, is among the group, as are Deborah Moore, a corn, soybean and beef producer, and Terry Davis, a corn and soybean producer, both of Roseville.
Other panelists come from various parts of Illinois, Minnesota, Iowa, Indiana and Ohio. In addition to corn, soybean and beef, the other farmers represent producers of rice, wheat, hay, sorghum, pork, wheat, pumpkins and tomatoes. A specialty crop producer, Jane Weber of Bettendorf, Iowa, also is on the panel.
Friday’s hearing is the second of four planned in the country. It is being conducted in Galesburg because Rep. Bobby Schilling, R-Colona, is a member of the committee and suggested the city for the site.
One of Schilling’s top priorities is to make sure crop insurance remains intact. He also wants to pass a five-year farm bill instead of extending the current farm bill for 12 or 18 months.
This video, featuring Professor Burke and the students attending the University of Farmers, summarizes all of the reasons that you should look ...
Problems contacting driver at fault. If they are ignoring the claim, what are my options?
Apr 21, 2011 by kawaiinurse2012 | Posted in Insurance & Registration
I was the middle car in rear end accident. I was pushed into the car in front of me. Both of the other parties coincidentally have Farmers. To complicate things, the girl that hit me was driving her friend's Benz. My claims adj suggested I call Farmers to give my account of what happened to expedite things so I did and got nowhere. I've read this on other posts and the same thing is now happening to me where their ins co said they cannot do anything until they make contact with the driver so they can get HER side of the story. I called my adj back and they said nothing new has happened except letters have been mailed out attempting to contact the other drivers. The car in front of me has a claim# but has yet to give her side of the story as well.
I have liability only and uninsured motorist (my car is a POS). My bf is an auto body tech and by his estimation, my car is totaled (think accordion). I do not have any money to start outright paying for expenses. A police report was made at the time of the accident however the officer never asked about injuries. I was clearly limping around so I don't know if that was in his report but I reported my sacral pain and whiplash to my insurance in addition to seeing my doctor that next day. I will also probably ask for PT referral, I NEED a good back for the rest of my nursing career. My car is drivable but I am hesitant to do so, however I have no choice since I am a FT nursing student who MUST be present for theory and clinicals. So you can imagine my wanting to get things rolling and why I am frustrated that this girl hasn't even contacted Farmers. (On a side note, if I lent my friend my Mercedes, you better believe I would be on her a** to take responsibility if it meant MY premium was going to be affected.)
So my questions are:
1) If they never get in contact with the DRIVER, would the name of the insured still be responsible for paying me and the #1 car out for damages?
2) Will the driver be accountable in any way eventually?
3) If Farmers never gets a hold of either the driver or the name of the insured and denies me payment for damages, who do I file suit against between the driver and name of insured?
FYI - The reason I am suspicious of her trying to ignore her responsibilities is because of something significant she said at the time of the accident. When she came out of the car, the first thing she said was, "I'm f*cked, I was just in an accident six months ago and it was my fault then."
As a former auto adjuster can tell you some facts. With rear end accidents, the person who rear ends someone is always at fault for not paying attention, following too closely or not keeping an assured clear distance.
But in your instance there are 3 cars involved. Even though the other 2 have the same company, each adjuster is handling like they are 2 different companies and open a claim for each. Each adjuster will make their own decision based on their OWN policyholder period.
All 3 adjusters (including your company) must talk to all 3 drivers before they conclude their investigation. Now the biggest problem you have is the person who hit you was not the insured driver on the policy. IF;;;;;so instance, the owner of the benz states I did not give permission for this girl to drive my car, then they can DENY your claim for non permissive use, in other-words they do not pay you for your damages. Or, if the owner of the benz refuses to cooperate with HER insurance company they can deny the claim for no cooperation.
The 1st car has absolutely no fault in this accident and is lucky, but they MUST also talk to her since she was the last car hit. The reason for this is that since she is the last one hit, they must verify there was only 1 hit vs 2 hits in this accident. If car #1 says I "felt" 2 hits, that means that you hit the 1st car 1st, then the benz behind you rear end you, causing you to hit #1 a 2nd time. If that happens, YOU will be responsible for #1 rear damages 50% and the car behind you owes the remaining 50%. So you have to hope that #1 confirms only 1 hit, so off the hook.
Now if they deny your claim, since you have uninsured motorist, then YOUR company will pay you for your injuries under YOUR policy and then go after the at fault party to collect. But for them to do this, the other company will have to send a letter to your company that they are denying your claim for COVERAGE. If you have uninsured motorist property damage coverage, the same will apply.
But if you do not have uninsured property damage and they deny your claim, your only recourse would be to file a suit for your car damages against the driver of the auto who hit you.
"Technically" they owe you for a rental car if your car is un-drivable till this is settled. But;;;;;until you know if they will pay or not, could be out of pocket and no guarantee you will be reimbursed.
Talk to your own insurance company adjuster for advice and clarify what coverage you have on your policy and how to proceed. But at this point you are at the mercy of the other drivers to call and give their side of the story. Each company has a contract with each person and they must give their OWN policyholder the benefit of the doubt and is required by law.
good luck
lucy | Apr 21, 2011
Your payout will still happen, this is up to the insurance company to sort out, not you
just me | Apr 21, 2011
Your insurance is supposed to contact the other driver...not you. If you have to contact anything about them, you call their insurance (which is the same as yours). But it is up to insurance. Talk to your agent about it.
Was there a reason why you didn't tell the officer about your injury? He should have asked you...but, you also should have volunteered that information whether he asked or not. Sometimes, you have to look out for yourself and not wait until the other person asks you something.
Many times, car accident claims are not a "rush job". There is nothing you can do to hurry it along unless you want to take her to court...but then you'd have to hire an attorney.
You need to ask your insurance carrier about your questions.Continue to call your insurance about your case until you get a concrete answer.
Just because she claims it was her fault, doesn't mean she will eventually say it is her fault. Unfortunately, you need to be prepared for this and to pursue it in court if necessary or handle the cost yourself.
H | Apr 21, 2011
Quit messing around with the insurance companies. They are only in it for themselves and since you are not insured by Farmers they are not going to get in gear to help you. You need to hire an accident attorney right now. You have given the insurance company plenty of time to do the right thing and they are just putting you off. An attorney will help you with getting the settlement process started as well as with any medical assistance you may need. Don't let the insurance company take advantage of you. You have tried to do the right thing and have gotten no where. Now it is time to let a very qualified attorney work for you. Don't wait, do it now!! Get the help you need.
Bubbavet | Apr 21, 2011
you have done everything you can do, at this point. hang in there, yes the owner of the car is sitting on her thumb, that sucks, lets hope this issue is resolved soon. The insurance company is not happy with this client. They have to get this mess done in a timely manner, and they cannot. Please, get the form, you need to notify the dmv of your accident due to damages to you, and your car. You should be sending a form soon, and explain the owner of the car has done nothing. an unpaid for accident gets her license suspended. until it is resolved. for the owner of the cars information write unable to get insurance company to cooperate. So the dmv will investigate this too. (put drivers info, and owners info, owner is responsible for this vehicle o matter who is driving. If you have too, file a small claims suit against her insurance Company and her and the girl driving. Someone will pay for your problems, your poor Honda accordion, hmm that came out odd) and your pain and suffering. I hope you feel better soon, accidents suck, and sometimes they leave us with unreasonable fears. Don't worry, Its going to work out, and besides your bf works in a body shop. That's a good thing. take care.
roger | Apr 21, 2011
No insurance company will ever settle a claim without getting their insureds side of the story. If you had collision coverage, your own company would pay to fix your car and then THEY would do any "contacting", settling, investigating, communicating that needs to be done. Without collision, you are on your own
Elgin chamber's leadership academy signup now openShe earned a bachelor's degree from New Mexico State University. She holds Series 6, 63, life and health licenses. The Ann Meyer Agency of Farmers Insurance Group held a grand opening last week at its new location, 511 Eichler Drive in West Dundee.
Career Fairs are held in San Diego , Los Angeles , Orange County , and Inland Empire. Companies are still registering for this event, but some of the sponsors and exhibitors include: Aflac , American National Insurance , Bay Alarm, Farmers Insurance and more »
Feuer Holds Community Job & Resource Fair All Day FridayEmployers include: Alta Med Health Services, American General Life & Accident Insurance Company, Apple One Employment, The Art Institutes, AT&T, Inc., Big Time Telephone Services, California Credit Union, California Department of Insurance, Career
San Francisco Chronicle (press release) - May 17, 2011
CertSchool.com's New PMP/Six Sigma/MS-Project Certification Course Bundle CertSchool.com also offers customized training to some of the world's biggest companies, including: Bank of America, Caterpillar, Dell, Farmers Insurance, Keiser Permanente, Southern California Edison, and many more. Headquartered in Chino, California, CertSchool.com's New PMP/Six Sigma/MS-Project Certification Course Bundle all 6 news articles »
Cox, the Citrus Belt Athlete of the Year, has received the Farmers Insurance Leavey Foundation Scholarship, the Elks National Most Valuable Student Scholarship, the Indio Elks scholarship and the American Public Work-Ross Memorial Scholarship. and more »
Bright 4.3-inch diagonal color touchscreen; 480 x 272 pixels, WQVGA TFT display with white backlight
Supports Bluetooth wireless technology for hands-free calling when paired with Bluetooth-enabled cell phones
NOTE: Model number on the box is 265WT because the traffic receiver is included; however, the model number on the device itself is 265W as the "T" in 265WT refers to the additional component
