Insurance Personal use tractor insurance

[Golfgar4]

See Cliff, you've jinxed yourself now. /forums/images/graemlins/frown.gif

If you had never asked about insurance, you would've been able to drive back and forth to the dealers forever and never had a problem. Why? Because you didn't know anything about it!

Now that you've asked about it, sure as shooting if you decide to drive down there just one time, it's guaranteed that as soon as you pull onto the highway, a car will be coming along that will have to swerve to avoid you (even though you weren't REALLY in their way!) and will blow a tire, which will cause the car to careen across the roadway into the path of an oncoming car, who will swerve to avoid the first car. Then the second car, because of over correcting during the evasive manuveur, will slide sideways into your mailbox, picking it off like a toothpick. The mailbox will fly through the air, coming down into the window of your barn, and will crash into your pot bellied stove that you left burning. This, in turn, will tip the stove over, which will spill hot coals and ashes all over the floor of the barn, thus setting the barn on fire. While waiting for the Fire department to arrive, hot embers from the roof of your burning barn will blow across the field and land on the roof of your neighbor's house. Your neighbors house will burn down because the Fire department is trying to save your barn, and your neighbor, the first car driver, the second car driver, and probably your dealer will all sue you. Why your dealer? Well obviously, you never arrived to pick up your attachment you promised to buy, and the dealer had to sell it to someone else at a loss! /forums/images/graemlins/crazy.gif

Buy insurance. /forums/images/graemlins/smirk.gif

 

[JDdude]

For what I have paid in insurance over the years, I could have just gave it to a attorney and if anything ever happened, have him just drag it out and out till the other party gives up..that is what corporate America does to us the little guy..

I hate Insurance, they make a living off of fear..Your fear of getting sued, loosing your home etc..

and dont worry I do pay for insurance, just like most of you do..

Go to jail and you get 3 meals a day and full medical coverage, even dental..This country just aint right sometimes..Sorry I am ranting!! /forums/images/graemlins/wink.gif

 

[Cliff_Johns]

Golfgar4,
You forgot the part about the cat and the pot-belly pig with the Ho-Ho vending machine that fell off the truck.
Cliff

 

[Golfgar4]

Yup, sure did! /forums/images/graemlins/blush.gif

Glad you caught that! It shows that you're learning.......




........or at least worrying ! /forums/images/graemlins/shocked.gif /forums/images/graemlins/grin.gif

 

[Lazy]

I wonder why people who ride their bicycles on public roads are not required to have Insurance? 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.

Charlie

 

[Golfgar4]

</font><font color="blue" class="small">( I wonder why people who ride their bicycles on public roads are not required to have Insurance? )</font>

That's an interesting question, Charlie. I wonder if a bicycle rider's home owners insurance covers them? /forums/images/graemlins/confused.gif

What if a rider (for discussion purposes let's say an adult) loses control of the bicycle and smacks into my car and puts a big dent and scratch in it. It probably is not enough damage to have my insurance cover it because of my outrageous deductible /forums/images/graemlins/mad.gif. Would the bike riders insurance cover it if I file a claim against him/her?

I don't know about the laws in Missouri, but in Wiscosnin a bike rider is required to observe all traffic regulations, and the rider can be cited just as if a car was being driven.

Maybe the same could hold true for insurance? /forums/images/graemlins/confused.gif

 

[Cliff_Johns]

Rules are different for moterized vehicles, but if you hit someone while riding your bike and break their leg, I believe they could sue you for damages and win some money if they could prove it was your fault.

I don't know that your other insurance covers that. I expect it would come out of your own pocket if you didn't have specific insurance for it. I would bet that you can get liability insurance for your bike. I would hope it would be very cheap.

Mostly, I'm talking through my hat though. I don't know the laws, I'm just guessing.

Cliff

 

[Bird]

</font><font color="blue" class="small">( in Wiscosnin a bike rider is required to observe all traffic regulations, and the rider can be cited just as if a car was being driven )</font>

And the same holds true in Texas, or at least did the last I knew, as far as operation of the bicycle, but things like insurance, driver's license, safety inspection sticker, and registration are not required. Of course, then there are city ordinances in addition to the state statutes. For one example, in Dallas it is (or was) illegal for those over the age of 10 to ride on sidewalks.

And while I don't know for sure, I do believe your homeowner's policy would cover the damage done by you while riding a bicycle.

 

[KAB]

I had checked into this about a year ago and a bicyclist is covered under either the home owners or car insurance (I forget which) for damages. Yes, I am a cyclist and try to obey the rules of the road including use of hand signals.

It also bothers me when I see a slow cyclist riding in a dangerous fashion, but it bothers me more when an automobile driver does not slow down for a cyclist and makes an unsafe pass of a cyclist regaurdless of how that cyclist is riding. I have had a number of close calls where a driver pulls out in front of me, and even have some pass so close to me that if I have to swerve 2" for an obsticale I would hit the side of the vehicle, even when doing the speed limit on city streets (25mph) even though I wear bright clothing to be seen.

Cars and Cyclist can exist on the same roads if both groups respect the other, it only takes 1 bad person in either a car or on a bike to cause problems for the rest.

I am sure that many motorcyclist understand what I mean.

Sorry about the rant but we all have rights to the road. Tractors included.

Kurt

 

[8561]

Bicyclist is covered under the homeowners. The difference is the policy stipulates a "motorized land conveyence" as having no coverage, with a few exceptions.

You need to be sure you have liability for the things you can't think of. Bushog/snowblower/chipper throws a rock, etc. We all have either the postman, the UPS guy, neighbors kids, whatever, that wander onto our property unexpectedly. I work for a property and casualty insurer, and used to be an adjuster. I now have adjusters who work for me. Trust me, these things happen. Medical expenses for those you injure are huge, not to mention potential permanent damage. It's easy to think of plenty of reasons it can't happen to you. If you have enough disposable money to have a late model tractor, you have other assets you don't want to lose, like your house, your retirement, etc. Calculate your own ability to withstand the risk, then decide if you need liability coverage. Remeber, you're making the decision for yourself, as well as the one you injure.

 

[Henro]

<font color="blue"> 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.
</font>

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]

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]

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]

"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]

</font><font color="blue" class="small">(
(weird seeing my name twice on the post. Not that many Cliff's around) )</font>

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]

<font color="blue"> I don't want to appear to be picking a fight, but bicycles have as much right to most roads as any other vehicle </font>

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]

</font><font color="blue" class="small">( 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.
************************
)</font> <font color="orange">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. </font>