MHarryE,
as a retired insurance guy, I find your experience fascinating. I was also a volunteer fireman, and second in on a call
where a local teen was killed when their older Farmall rolled on him on a hill while mowing. I arrived to find him dying in his father's arms.
Boy did that make an impression on me. Growing up with a JD B with the narrow front, those old tall tractors are way too tippy for me now.
Nice to own as a barn queen but for me, no ROPS, no go. Our land is hilly. But when I see an older guy out mowing with his 8N, with zero safety gear other than a wide stance, it still brings a smile. Those old engines need to get warm...
But insurance doesn't deal with really old stuff, certainly not from a product liability standpoint.
Insurance companies "subrogation" activities are what usually drive some of these recovery efforts. Those who cause the damage should pay.
Plain and simple. But only if they were "at fault" and that requires a lot of engineers and lawyers to determine. Good job security for you.
And somewhere each time sits a senior claims guy empowered to decide whether they want to pay X to try to recover Y. And sometimes they don't.
I hope you can talk about more examples of your past work, if you are allowed to. You could probably write a primer for us on what NOT to do with our tractors...
thanks.