Street legal?

[lakeside]

I have a B26 which I use in a rural area of Ontario. However, I do cross and sometimes drive for very short distances on public roads. Does anyone know what the legalities are? As an example, do I need a licence plate and in Ontario that likely means I also need liability insurance??

 

[chrisdvorak]

i drive my tractor on the back roads all the time to get from field to field and its a lot bigger than a b26 so you should be fine but i do not know the legalities of it

 

[Tig]

No, you do not need a license plate. You do need a slow moving vehicle sign if you plan to do more than just cross the road.
There are some restrictions.
Search the site linked above for all laws relating to farm tractors.
Not certain about liability insurance. Talk to your insurance agent.

 

[LBrown59]

i drive my tractor on the back roads all the time to get from field to field and its a lot bigger than a b26 so you should be fine but i do not know the legalities of it

I don't think it legal to drive anything on the road with out insurance.

 

[KeithInSpace]

Certainly would seem OK with a SMV Triangle.

Regarding insurance, I don't think you can (nor would you want to) carry an automotive-style insurance on your tractor. I recently had this feature clarified by my agent. If it is stolen off my property, homeowners. If I wreck it on my property, I'm hosed. If I'm trailering it and get in a wreck, I'm hosed.

When driving it on the road, I would think you'd be treated similar to a bicycle or moped. You don't need a license or insurance to run either, yet you can conceivably cause damage and it be your fault. I figure it would go under the "uninsured motorist" side of the insured vehicles ledger, if that type of damage was inflicted.

There is another option for YOUR safety in case your tractor is damaged on or off your property...there is a type of personal property insurance you can get that would take care of you if, for example, a tree fell on your tractor. Or if you lose the tractor off your trailer while in transport. But I don't think the intent of this type of insurance is to cover the other guy's loss if you spear his Honda Accord with your FEL.

That's how I'd figure it.

 

[Tig]

When I bought my tractor my agent told me that since my tractor was less than 20hp, I was covered under my homeowners policy.
Your agent is the only one who can clarify your situation in the context of your current insurance coverage.

 

[CHDinCT]

Hmm. On trailering, my agent said I'm covered under my auto policy. A few years ago, I bought a used JD from Mass. and had to trailer it home. I checked first and they told me I was covered. I don't trailer hardly ever, but I would think if you own a trailer and register it with your insurance company, you'd be covered up to some limit for what's on the trailer. At least you'd think so.

 

[amigauser]

At least in Connecticut, if the trailer hits something while being towed, the auto insurance liability coverage would pay for the other person's damage but not for the trailer/tractor damage. If someone runs into the trailer/tractor with their vehicle, their auto liability insurance would cover it.

I am talking personal auto coverage not commercial which may be different. Generally a tractor is covered by homeowners insurance while on your own property but all bets are off when you leave the driveway. You would need a rider added to your homeowners insurance (if available) or a seperate policy to cover just the tractor.

 

[Charlesaf3]

In Mass I'm pretty sure you have to be registered and insured. Nothing is unregulated here.

 

[sandman2234]

I stopped and asked a F.D.O.T officer that same question, as it is rather expensive to have my Ford 7710 moved across town on a Landall trailer behind a semi truck. Since it is 13 foot 3 inches wide, it is a requirement to have an escort with the oversize truck. I figured driving it would be cheaper, but was told (didn't see it in writing) that I could drive it up to 10 miles on the roads, but only if going from one farm of mine to another farm of mine. Not the answer I wanted, but I guess I have to deal with it.
David from jax

FDOT = Florida Dept of Transportation