The fall sales closing date is quickly approaching.  The deadline to purchase crop insurance for alfalfa, rye and winter wheat in selected counties ends on September 30th.  If you currently have a policy on these crops, changes in coverage need to be completed by that date also.  Policyholders who do not wish to make any changes only need to contact us with the current years actual production history so we can update your database.   If you insured alfalfa with us in 2004 acceptable production records include bale/stack counts by a third party along with a scale ticket of a bale/stack  from each cutting on each unit.  If you do not prove production you will be assigned a yield which is 75% of the county T-yield.  Production records need to be submitted as soon as possible but no later than 45 days from the sales closing date.

 We will begin collecting production for small and course grain policies as soon as the crops are out of the field.  Let us know when you are ready and we will be happy to meet with you at your farm or in our office!

 Don’t forget to report claims timely!  The deadline to report a small grain loss is October 10th and course grains are December 10th.  Policy provisions state that untimely reported claims will be denied.

 CRC and RA prices will be established in October and November.  Keep in mind you may reach your guranteed bushels and still have a loss do to price.  Give us a call to review your coverage.

Here are a few things to check for when an atutomobile policy declaration arrives in the mail:

Is coverage listed correctly? Physical damage coverage is required on financial vehicles. Vehicles without a lien can also carry full coverage; however, they only require liability. Also, if towing and/or rental reimbursement has been elected, make sure the policy indicates such coverage.

Are all drivers listed? This would include all members of a household and employees of driving age. To avoid questions at claim time, make sure anyone who operates a vehicle is listed on either a personal or commercial automobile policy.

Are personal vehicles being used for business purposes? If so, the policy needs to be endorsed to list the specific vehicle being used in business. This is the same for vehicles being utilized for farm, work and school.

Are lien holders noted only on vehicles being financed? Even if the loan has been paid off, if a lien holder remains listed on a vehicle that is involved in a claim, the name of that financial institution will be listed on the settlement check.

Taking a few extra minutes to review policy declaration is a good way to ensure adequate coverage and avoid lengthy delays in getting a claim paid. Call the John Sieh Insurance Agency with any changes that need to be made to your automobile policy.