[cperky]

I posted this in a similar thread on this site but here is what I have to ad:
I have insurance w Farm Bureau (farm policy). I recently purchased a tractor and went to add tractor to my farm policy. While talking to the agent I learned that the minute I put the tractor on the trailer I lose any coverage for damage to the tractor. I would have liability coverage via my auto policy (farm bureau auto) with trailer rider but NO DAMAGES COVERED FOR TRACTOR IN CASE OF ACCIDENT WHILE IN TRANSIT. If I am driving the tractor down the road and have an accident I would be covered just not on a trailer like cargo. I found a State Auto agent in the area that carried a commercial equipment policy for about the same price as the Farm Bureau policy but I am covered for damages even in transport. This way when I take my tractor somewhere for service and heaven forbid have an accident I dont have to eat the cost of my tractor.