Insurance Personal use tractor insurance

Henro · Jun 15, 2004

I'll bet I have had at least 3-4 near misses of having an accident as a result of a slow bicycle blocking the road on a blind curve.


I know this is tractorbynet and not bicyclebynet...but...

For the last five years I worked I bicycled almost every day to work. 32 miles per day over the western PA hills... /forums/images/graemlins/smile.gif

But anyway...a bicycle is going to be slow for the most part. But the operator should not be blocking the road. But if the operator is on the edge of the road and going slow he is not blocking the road. It is the operator of the car who must be responsible in that case. Just like the operator of the car must be responsible if there is a slow truck around the curve or a broken down car.

I must agree I have seen some bicyclists operating their bikes in the center of the lane like they owned the road and I felt /forums/images/graemlins/blush.gif big time being a bicycle commuter myself. Idiots are everywhere. Sad but true.

When leaving my home in the morning, the first hill was down and a pretty good one. I also by the way had a bright strobe light on the back, a flag, pleanty of reflective tape and so on. And a 55 Watt head lamp. Anyway, in winter (I rode all year round) I would top out at 42 mph going down that hill in winter, and 47 mph in summer. Speed limit was 40. Still, occasionally I would have someone pass and just about brush my handlebar...being a quick learner, I took the lane and stayed out towards the double yellow line most of the time. No one ever tried to pass on the right, I am happy to report...

Back to insurance...I never thougt to be too concerned, but I think I did ask my agent and found that my home owners covered me to some extent.

Just before my plant shut down a loose dog got wrapped up in my front wheel when I was almost at work (at about 25 mph)and trashed a $1,500 bike frame and did some serious hurt to me (nothing permanent, but for two weeks I cried uncle every day...)

The dog was pretty big and ended up with just fur rubbed off his front legs. His name was Ralph... /forums/images/graemlins/crazy.gif

Their insurance covered the damages. I am surprised in retrospect that they did not try to claim against me...for what I don't know, but you know the way the world as we know it works in this country...

Guess I will post this since I typed it...but it really seems like I am pretty much off track now... /forums/images/graemlins/blush.gif

caddison · Jun 15, 2004

Cliff,

If you are operating your tractor in a business environment it is considered a Commercial Application and you will need commercial liability coverage to protect yourself in the event you cause damage to either another person or their property. I am an agent for Farm Bureau and the owner of 1320 NH. If you have farm liability you can include misc farm business to your policy as long as your gross receipts are below $2500.00. All companies differ in this area as all Farm Bureau's are not created equally as well. Each state is different in the way they handle their policies.

If you are doing business for hire look at commercial liability, if you are claiming some of your income and looking at the additional work as a second business you can also deduct the expense.

Make sure you read your policy or have your agent go over it with you and make sure to ask questions!

Cliff

Cliff_Johns · Jun 15, 2004

Cliff,
For me it's strictly personal use, but for others reading the thread it may not be.
Cliff

(weird seeing my name twice on the post. Not that many Cliff's around)

Yankee · Jun 16, 2004

"I must agree I have seen some bicyclists operating their bikes in the center of the lane like they owned the road "

I don't want to appear to be picking a fight, but bicycles have as much right to most roads as any other vehicle - including interstates in some parts of the country. Now that doesn't mean they should HOG the road (and some do), but there are times when keeping to the side is dangerous. In my opinion their right to the road is as much moral as legal too. Believe it or not, bicycle riders were actually largely responsible for getting paved roads in this country (1890's into the teens) in the face of opposition from the general public and government. I think bicycles on the road are a pain in the neck too, sometimes, but I'd personally like to see more people on them anyways.

By the way, for some unexplained reason I've become more tolerant of tractors on the road lately too. /forums/images/graemlins/wink.gif

Bill

Poppa · Jun 16, 2004

(
(weird seeing my name twice on the post. Not that many Cliff's around) )

Are you kidding me?? Haven't you seen the pictures of Junkman's yard? Cliffs everywhere /forums/images/graemlins/tongue.gif /forums/images/graemlins/tongue.gif

Mike

Henro · Jun 16, 2004

I don't want to appear to be picking a fight, but bicycles have as much right to most roads as any other vehicle 

Bill,

Yankee...I commuted by bicycle about 20,000 miles over the last five years I worked and have also done some fully loaded (the bike, not me... /forums/images/graemlins/smile.gif ) bicycle tours... so my point was more to say that some bicyclists lack common sense, not to say that bicycles should stay on the sidewalk or in the back yard... /forums/images/graemlins/blush.gif

Whether it be a tractor, a bicycle or a walker, common sense is the key to survival I think. Myself, I would rather give way with my tractor or my bicycle, than to be dead right proving that I had as much right to the road as anyone else.

I guess that is all I was trying to say...I kept to the road edge as much as possible to let the faster vehicles get by easily. Common courtesy in my view...

Bill (to continue the same name top and bottom) /forums/images/graemlins/cool.gif

LBrown59 · Nov 5, 2004

( Hi
1*-Do you really need Liability Insurance on a tractor if its not driven on a public road?
2*I can see having Insurance to protect the lender and or the dealer.
3*If a person didn't have to buy Insurance and pay taxes they could retire by the age of 35.

Charlie.
************************
) 1*Yes If It's on the road driven or not.
2*Still you need to be protected from law suits
3*The wrong life insurance is the big killer of retirement.