Liability

[orezok]

To add to this discussion, what about construction "tractors". Not only are they in the road constantly, sometimes driven by workers who have never operated before.

I'm sure the rental company doesn't insure them for liability.

 

[Chilly807]

In Canada, if it's on the road, it had better have plates and be insured for liability.

Sean

 

[Ford tractor]

"Home Owners" insurance will typically NOT cover any thing off your property. Even if traveling between properties. If you want coverage for liability off property, you typically will have to explicitly get it. Many agents are ignorant and will shine you on with incorrect information. Get it in writing.

Most accidents on the road with cars and tractors are the cars fault due to the low speed and SMV on the tractor. Unless you run into or over something / someone, you are MUCH more likely to get run into by a person texting a message at 65mph.

 

[Dr_Zinj]

9 times out of 10, any car/tractor accident is going to be the fault of the car driver.

 

[Storm56]

I own an insurance agency in PA, so my response is directed at PA laws. If it is a farm operation, the liability will come from your farm policy. If it is construction, your contractors insurance will cover it. If you are a homeowner and are not doing the job for hire, your homeowner insurance will cover it.

All of the above scenarios are of course assuming you as the tractor operator were responsible for the accident.

 

[MarkV]

I own an insurance agency in PA, so my response is directed at PA laws. If it is a farm operation, the liability will come from your farm policy. If it is construction, your contractors insurance will cover it. If you are a homeowner and are not doing the job for hire, your homeowner insurance will cover it.

Storm I am interested in your reply applying to homeowners insurance and my 'not for hire' tractor on the road. My homeowners insurance told me that I am only covered on my property. As was mentioned by others, I am not covered trailering equipment from one property I own to the other by homeowners. That was up to my auto insurance, same agent. Best I could tell if driving the tractor on the road no one covered me. I was fine once I was on my other property. It got really in a "grey area" when we started discussing family land that we have part interest in.

So, is it a company vs. company thing or a state by state thing when you are covered? Just wondering your take on homeowners insurance vs. tractor.

Thanks,
MarkV

 

[Soundguy]

in fl, my homeowners agent told me if I roaded my tractor from one of my properties to the other, and was not doing for hire work, hy HO policy covered me. If I trailered it.. it would be up to me to have a rider for the trailer AND contents... thus I road often


soundguy

 

[MarkV]

in fl, my homeowners agent told me if I roaded my tractor from one of my properties to the other, and was not doing for hire work, hy HO policy covered me. If I trailered it.. it would be up to me to have a rider for the trailer AND contents... thus I road often


soundguy

Did they happen to mention limitations? I own some property 20 miles from me and it would not be practical to drive the tractor there. On the other hand if homeowners insurance covers me.

I got about the same response on trailering. It is covered under your auto insurance and you have to see what that covers for trailers and cargo or get a rider.

MarkV

 

[WayneB]

I believe in New Hampshire if you are going on public roadways your tractor must registered and have a tractor plate attached.

 

[Soundguy]

Did they happen to mention limitations? I own some property 20 miles from me and it would not be practical to drive the tractor there. On the other hand if homeowners insurance covers me.

I got about the same response on trailering. It is covered under your auto insurance and you have to see what that covers for trailers and cargo or get a rider.

MarkV

on mine, having my trailer on my auto insurance alone wasn't enough.. I also had to have a rider for 'contents' alternately I could get a farm or inland marine policy to cover the tractor itself..

as for limits of coverage.. same liability limits as at my home are on my pasture down the road.