After Norm and Darlene Scott's Montana farm burned in 1996, they collected $75,000 from Mountain West Farm Bureau insurance but weren't satisfied and demanded more, finally getting another $52,500 in 1999. However, they wanted still more money and sued the company, claiming it was dealing with them in bad faith. In November 2003, a jury in Helena not only rejected the claim for more money but found that it was the Scotts who had started the fire (a finding that probably never would have been made had the Scotts quietly accepted the first $127,500). (The statute of limitations prevents criminal charges against them, but the insurance company will sue to get its money back.)











