Double Orange
Platinum Member
Farmwithjunk said:
Pope Catholic??
Snow Equipment Owning/Operating A bad day Playing in the snow
- Thread starter Chris527
- Start date
- Views: 15689
Pope Catholic??
sandman2234
Super Member
- Joined
- Dec 4, 2005
- Messages
- 6,081
- Location
- Jacksonville, Florida
- Tractor
- JD2555 and a few Allis Chalmers and now one Kubota
Six years and we could still be arguing over whether or not snow is going to ever fall in Florida and if my company will disallow payment for it should something happen while plowing that funky white stuff...
David from jax
David from jax
Racer71
Silver Member
I checked on my insurance when I bought the tractor. My home owner's (USAA) covers the tractor when I use it on my property. It covers things like fire and theft. It does not cover being stupid (my highest risk factor
).
The insurance doesn't cover the tractor being used on others property or by someone else. This is a good reason not to lend out my tractor.
).The insurance doesn't cover the tractor being used on others property or by someone else. This is a good reason not to lend out my tractor.
canoetrpr
Veteran Member
- Joined
- Aug 7, 2005
- Messages
- 2,396
- Location
- Ontario, Canada
- Tractor
- Kubota M7040 cab/hyd shuttle - current, Kubota L3400 - traded
My hobby farm insurance sure does cover me doing maintenance on the farm, even if that requires driving on the road from time to time. Anything else would not be sane IMHO.
What this does raise a concern about for me is that I take my SMV sign off for snowblowing because it is in the way from me getting to the chute rotator. I do still occasionally go slightly on to the road to clear around the mailbox and recently I have been going over to my neighbours to clear his driveway as he fell of his horse and broke a few ribs. Sure would not want to be caught in a situation like this without an SMV sign!
What this does raise a concern about for me is that I take my SMV sign off for snowblowing because it is in the way from me getting to the chute rotator. I do still occasionally go slightly on to the road to clear around the mailbox and recently I have been going over to my neighbours to clear his driveway as he fell of his horse and broke a few ribs. Sure would not want to be caught in a situation like this without an SMV sign!
herringchoker
Platinum Member
WayneB
Elite Member
herringchoker said:
I noticed that you have your tractor registered and have a plate on it. Here in New Hampshire it is required to have the vehicle registered to travel on the highway, no matter how far you are going and that includes clearing out around the mailbox. Bottom line here is, keep off the road or take the risk in your own hands. We are in a small town and I have been out there blowing snow and the chief has come by and never once stopped or said anything to me about it.
The insurance companies are able to file for degree of fault. So even though you feel the other person is totally at fault there is a chance that you can be found partially at fault and the state insurance commission can determine what percentage each company has to pay. This happened to us a few years ago where my daughter was driving down a street and a pizza delivery car did a 180 and pulled in front of her. His insurance company filed a claim against her insurance company for traveling too fast in a high population area and the state determined she was 25% at fault. Bottom line is they did not cover the entire cost of the damages to her vehicle.
As for homeowners insurance it all depends upon the company. I spoke to my insurance company and carry extra insurance due to the tractor and other equipment, which covers other people using the equipment only on our land. As for doing something stupid, like tipping the tractor over, our insurance company would cover the damages. According to my agent she said they would not refuse to pay damages due to owner stupidity, not sure if all insurance companies are that way.
herringchoker
Platinum Member
WayneB...
Same thing here re plate and registration, except not required for a bona fide farming operation. And also the same in that it is seldom enforced. I operated commercially for many years without plates on my tractors (I trailered them to jobs, but they were often briefly on public roads while working). I always had 2 insurance policies on them: one as a vehicle and one for operating liability. As explained to me by my insurance agent at the time, the first covered me when the tractor was moving, but became null and void as soon as the FEL or Backhoe engaged the ground, when the second policy kicked in.
I'm retired from that now, the big stuff is sold off and the B7800 is my toy. It is not for hire...I get onto the street to clear my own driveway, I plow my son's driveway, I help out a few neighbours, I mow the church yard...so I am on public roads. Maybe I'm less daring in my old age , so I keep the plate and insurance on it.
Same thing here re plate and registration, except not required for a bona fide farming operation. And also the same in that it is seldom enforced. I operated commercially for many years without plates on my tractors (I trailered them to jobs, but they were often briefly on public roads while working). I always had 2 insurance policies on them: one as a vehicle and one for operating liability. As explained to me by my insurance agent at the time, the first covered me when the tractor was moving, but became null and void as soon as the FEL or Backhoe engaged the ground, when the second policy kicked in.
I'm retired from that now, the big stuff is sold off and the B7800 is my toy. It is not for hire...I get onto the street to clear my own driveway, I plow my son's driveway, I help out a few neighbours, I mow the church yard...so I am on public roads. Maybe I'm less daring in my old age
, so I keep the plate and insurance on it.
Rara Avis
Veteran Member
Racer71 said:I checked on my insurance when I bought the tractor. My home owner's (USAA) covers the tractor when I use it on my property. It covers things like fire and theft. It does not cover being stupid (my highest risk factor
The insurance doesn't cover the tractor being used on others property or by someone else. This is a good reason not to lend out my tractor.
If you are on a farm, check with USAA again, because USAA told me that they wouldn't cover anything farm related, so I had to go to the FARM BUREAU for insurance on all farm stuff...including the barns...
WayneB
Elite Member
Just one quick comment, I stated they would cover the damages, I should of said they will cover the personal injury damages, not equipment damages. My homeowners policy does not provide coverage for damage to the equipment. I do carry extra insurance to protect me in the event I run into someone's vehicle or other personal property. Any damage in this situation would be out of my pocket unless it was the other persons fault that caused the accident.herringchoker said:WayneB...
Same thing here re plate and registration, except not required for a bona fide farming operation. And also the same in that it is seldom enforced. I operated commercially for many years without plates on my tractors (I trailered them to jobs, but they were often briefly on public roads while working). I always had 2 insurance policies on them: one as a vehicle and one for operating liability. As explained to me by my insurance agent at the time, the first covered me when the tractor was moving, but became null and void as soon as the FEL or Backhoe engaged the ground, when the second policy kicked in.
I'm retired from that now, the big stuff is sold off and the B7800 is my toy. It is not for hire...I get onto the street to clear my own driveway, I plow my son's driveway, I help out a few neighbours, I mow the church yard...so I am on public roads. Maybe I'm less daring in my old age