rambler
Veteran Member
- Joined
- Jul 6, 2003
- Messages
- 1,994
- Location
- MN
- Tractor
- Ford 960, 7700, TW20, 1720; IHC H, 300; Ollie S77
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It's troubling to me that so many people just assume deales are responsible for anything that happens to tractors left for service. I'm sure those same people have the same ideas with respect to cars, and time and again I have seen them proven wrong when the vehicle's insurance covers its theft or loss.
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I appreciate your messages here, & working with folks. I see this issue has been resolved, & in a way I would consider fair.
I also understand insurance companies do not do the logical, moral, or understandable thing in many cases, so what or how they unilaterally decide something can be totally against what I believe.
But, insurance companies aside, here is how I veiw this issue:
If one parks his tractor in his garage, in his driveway, on a public street, at a private store parking lot - that is the owner's choice & control, and any claims would go to the owner's insurance. Your examples of that make sense.
Once you hand the keys to someone else, that other preson makes choices, totally out of your control, over where that tractor is parked. The liability falls to the person who has legal control of the keys. The owner no longer can assess risk, or control anything that happens to the machine.
My car repair shop does not let too many vehicles sit outside it's lot - their insurance has a limit. But, their insurance is there, to cover such things.
That would be the normal practice here, in my state.
If your view of this were the norm, I just don't see how it could work? The dealer could steal 5 tractors from his customers per year, & never get a penalty for it. It would invite fraud. No checks or balances. Oh, sorry,t he tractor you put in my care got stolen - too bad, your fault. Meanwhile, sells it 5 dealerships over..... No, there has to be some responsibility here. Just on moral grounds. When you are given posession of something, you are responsible for it.
I understand dealers have hard times. Franchise fees & all costs are going up - at a horrible rate. The idea is not to try to hit up a moneybag here, or to break a dealer.
But one needs to be responsible, either through a policy or self-insured, to live up to one's responsibility.
Whatever the insurance laws are, or however they decide things - I don't know.
Common sense says one is held responsible when one accepts the property of others. Anything else invites a lot of problems in society.
And yes, the one really responsible is the dorf that stole it, but our society is so messed up that person will never be held responsible. Sadly. Indentured servitude doesn't seem so bad some days......
Again, thank you for following up & going through this thread. We certainly can agree to disagree on this, I'm not trying to prove anything. JIMHO
--->Paul
It's troubling to me that so many people just assume deales are responsible for anything that happens to tractors left for service. I'm sure those same people have the same ideas with respect to cars, and time and again I have seen them proven wrong when the vehicle's insurance covers its theft or loss.
)</font>
I appreciate your messages here, & working with folks. I see this issue has been resolved, & in a way I would consider fair.
I also understand insurance companies do not do the logical, moral, or understandable thing in many cases, so what or how they unilaterally decide something can be totally against what I believe.
But, insurance companies aside, here is how I veiw this issue:
If one parks his tractor in his garage, in his driveway, on a public street, at a private store parking lot - that is the owner's choice & control, and any claims would go to the owner's insurance. Your examples of that make sense.
Once you hand the keys to someone else, that other preson makes choices, totally out of your control, over where that tractor is parked. The liability falls to the person who has legal control of the keys. The owner no longer can assess risk, or control anything that happens to the machine.
My car repair shop does not let too many vehicles sit outside it's lot - their insurance has a limit. But, their insurance is there, to cover such things.
That would be the normal practice here, in my state.
If your view of this were the norm, I just don't see how it could work? The dealer could steal 5 tractors from his customers per year, & never get a penalty for it. It would invite fraud. No checks or balances. Oh, sorry,t he tractor you put in my care got stolen - too bad, your fault. Meanwhile, sells it 5 dealerships over..... No, there has to be some responsibility here. Just on moral grounds. When you are given posession of something, you are responsible for it.
I understand dealers have hard times. Franchise fees & all costs are going up - at a horrible rate. The idea is not to try to hit up a moneybag here, or to break a dealer.
But one needs to be responsible, either through a policy or self-insured, to live up to one's responsibility.
Whatever the insurance laws are, or however they decide things - I don't know.
Common sense says one is held responsible when one accepts the property of others. Anything else invites a lot of problems in society.
And yes, the one really responsible is the dorf that stole it, but our society is so messed up that person will never be held responsible. Sadly. Indentured servitude doesn't seem so bad some days......
Again, thank you for following up & going through this thread. We certainly can agree to disagree on this, I'm not trying to prove anything. JIMHO
--->Paul