Tractor Drive Insurance Now

1970-1655 · May 9, 2012

I have my tractor all ready to take to the show and drive Friday. I checked with my insurance agent to get a written copy of my insurance to carry with me. No coverage! He called 4 companies he carries and still none. I called 4 other insurance agents and the best I got was one company could write a policy for $300 for 3 days coverage! And that is if I changed all my other insurance to their company. I put the tractor back in the barn.

What kind of insurance do you have that covers using your tractor on a charity tractor drive? Or have you ever checked to see if you have coverage?

Chris(IA) · May 9, 2012

I got an 'umbrella' policy a couple years ago, after discovering some kids digging into my creek bank and climbing on a brush pile. I asked my agent if I'd be covered if someone was injured while messing around. The 'Umbrella' policy is what he recommended. It goes beyond the normal liability policy. I've now got a million dollar policy that costs about $200.00 a year. (I really think I'm just hiring lawyers to defend me)

rustyfarmall · May 9, 2012

It is my guess that the majority of the folks who participate in tractor drives are NOT covered by insurance, and if you stop and think about it, why would any insurance company write coverage for a vehicle that is NOT legal to be operated on a public highway, EXCEPT for purposes of agriculture?

in-too-deep · May 9, 2012

Why miss out in a great experience just because of insurance? I know there are risks but seems a bit over-protective.

gitrib · May 9, 2012

We always carry a liability polcy that covered weird things. Took cattle to community affairs for people and children to mingle with never had a problem but felt some protected.
gitrib

rustyfarmall · May 9, 2012

(quoted from post at 07:28:23 05/09/12) Why miss out in a great experience just because of insurance? I know there are risks but seems a bit over-protective.

If you do not own a farm or business, or even your own house, and do not have any money in savings, an IRA, or investments, then I guess you have nothing to worry about. Just go have fun.

BushogPapa · May 9, 2012

Sounds like "Fantasy Land"...!

I have not been able to find "Coverage" while on the road...
Sure, mine are covered while in the tool shed or on any of our property..trouble is, getting TO that property...
Yea, I am looking, myself...!

Ron..

SweetFeet · May 9, 2012

OT reply - but just curious. What does auto insurance cost there (where my vater's vater's vater originally came from)? Just say for a medium amount of liablity and a medium deductible? We always go somewhere in the middle ground. Thanks.

in-too-deep · May 9, 2012

I had a really good reply typed up and my internet screwed. up. Grrrr! Anyway, like I said, I know there are the risks, but I'm having a hard time picturing what could happen on a tractor drive that would ruin you without insurance. I'm not being a smarty pants. Honestly curious why it's so important. Never been on a drive myself but watched a few go by.

greygoat · May 9, 2012

I"ve got a Million Dollar umbrella policy, and
it was under $100 a year, added to my auto and
homeowners with American Family.I"m in Wisconsin,
state does make a difference!

Christos · May 9, 2012

Dave, that's an oxymoron. The Nutzis
weren't socialists and the Socialists
weren't Nutzis.

Anonymous-0 · May 9, 2012

Just go and have fun.

AB · May 9, 2012

My club has a drive every year. If you are a member of the club ($5.00 dues) you are covered under their insurance.(million liability) Must be a member to drive. Same rules apply at our annual show.

dr sportster · May 9, 2012

NAZI party meant National Socialist German Workers Party.

ralph1111 · May 9, 2012

Don't know how large of an area the cover but check Continenal western group des moines ia PH#515/473/3000.They insure antique vehicles and consider tractor as vehicles.With full coverage I pay $60 for a full year. Hope this helps,if the don't cover your area do a Google search surely their more companys out their. I think 20 years old is consider antique
Ralph

Meangreen · May 9, 2012

I have IMT here in Iowa and have replacement insurance and another $100,000 to $200,000 liability insurance for the tractors. The hardest part I found was most insurance companies want to classify them as pulling tractors and that comes with a high dollar policy. I can participate in any tractor event except pulls with my tractors and be covered. I think it"s like $50 a year.

Our club requires insurance because several years ago a guy was participating in a slow tractor race, dismounted the JD at the end of the race near some parked cars, left the thing in gear, but disengaged the clutch. Some how the clutch engaged and drove the tractor into the side of a car. I"m guessing the clutch was pretty tight and just the action of the lever falling forward gave it enough traction to engage the clutch.

ILLEFTY · May 9, 2012

I've got mine through Owner's Auto. Tractors are added in under my homeowner's insurance

8N'r--WI · May 9, 2012

I have individual tractor policies from A.F. that cost under $60 per year apiece. Covers each one for more than I could sell them for and has liability, med pay, and property damage coverage.

What surprised me is when I changed carriers for my home,cars,etc. they allowed me to keep the tractor policies as stand alones...

Tim

gene bender · May 9, 2012

Mine are covered by the homeowners coverage.

gene bender · May 9, 2012

Yes just drive with some common sense

Christos · May 9, 2012

I understand that. But they were hardy socialist.

rustyplow · May 9, 2012

Not wanting to get into the ins./no ins. debate. But can you show me in print anything that says tractors are illegal to be on the road? Except for state hiways, I can drive my bicycle, my golf cart, my 4 wheeler, and my snowmobile down the road. At least where I live, Tuscola co. michigan. But not my tractor? Laws may be differant where you are.

Mike M · May 9, 2012

It's all fun and games until someone gets hurt ! Then LOOK OUT. In this lawsuit happy world we live in I'd of made the same choice. Keep them in the barn. I haven't been to a show in years for fear of someone doing damage to my stuff plus all the costs invloved to get there.

rustyfarmall · May 9, 2012

(quoted from post at 10:32:02 05/09/12) Not wanting to get into the ins./no ins. debate. But can you show me in print anything that says tractors are illegal to be on the road? Except for state hiways, I can drive my bicycle, my golf cart, my 4 wheeler, and my snowmobile down the road. At least where I live, Tuscola co. michigan. But not my tractor? Laws may be differant where you are.

Maybe you can do that in Michigan, but in Iowa only the bicycle is legal, and that is only because it is a non-motorized vehicle. 4-wheelers and snowmobiles are NOT legal because they are NOT licensed, and cannot be licensed. Golf carts are legal in some towns and cities, but only on designated routes, and they MUST have an SMV emblem AND a flag for visibility. Several farmers around here do ride 4 wheelers on the roads, but only to go check on the cows, etc.

Anonymous-0 · May 9, 2012

(quoted from post at 08:03:45 05/09/12) OT reply - but just curious. What does auto insurance cost there (where my vater's vater's vater originally came from)? Just say for a medium amount of liablity and a medium deductible? We always go somewhere in the middle ground. Thanks.

We only have liability... no deductable and right at 500 bucks a year per vehicle... Includes roadside service, rentals, and hotels as needed if you break down..... That's the American rate.... Germans pay more or less depending on driving record....

muleboss · May 9, 2012

(quoted from post at 14:13:31 05/09/12) It's all fun and games until someone gets hurt ! Then LOOK OUT. In this lawsuit happy world we live in I'd of made the same choice. Keep them in the barn. I haven't been to a show in years for fear of someone doing damage to my stuff plus all the costs invloved to get there.

Do you drive a car, or do you fear of having a wreck?

mkirsch · May 9, 2012

(quoted from post at 12:49:52 05/09/12)

(quoted from post at 14:13:31 05/09/12) It's all fun and games until someone gets hurt ! Then LOOK OUT. In this lawsuit happy world we live in I'd of made the same choice. Keep them in the barn. I haven't been to a show in years for fear of someone doing damage to my stuff plus all the costs invloved to get there.

Click to expand...

Do you drive a car, or do you fear of having a wreck?

The difference is, you have a CHOICE to take the tractor on a ride, or to a show.

Driving a car is a REQUIREMENT to be a productive member of society except in large cities..

Also, car is covered by insurance. You can buy insurance all day long to cover you for anything that happens in a car. Not so for a tractor.

kj(seil) · May 9, 2012

thought mine were too - they are only covered if on my property or rental property and only if in use for production. tractor drive not covered.

GeneMO · May 9, 2012

You do not need any special coverage.

If you have your house insured, you should have liability there.

As long as it is a hobby, and you are not being paid to show your tractor, it's covered up to the homeowners limit of liability.

Anybody telling you any different doesn't know what they are talking about, or you have a really crappy homeowners policy.

A farmowners policy is the same way.

Now you can't give rides and charge for rides, etc. but just driving it down the road, being in parades, going to shows. It is covered.

Gene
Claims Supervisor
Farm Bureau Ins.

GeneMO · May 9, 2012

Sorry rusty, you're wrong.

Gene

Uncle Ernie · May 9, 2012

Driving is a PRIVLIGE not a right...or requirement. Never forget that!

Uncle Ernie · May 9, 2012

Nice view from under your rock?

1970-1655 · May 9, 2012

Gene: Thanks for the reply. I have Farm Bureau in Indiana and my agent said he could not find any coverage for me. I checked with Hagerty's insurance today and they do cover things like this. I asaked if they have a local agent and they gave me my Farm Bureau agent's name. But he is the same one that said he could not help me. Shoot me your day time phone number in an e-mail. I would like to talk to you Thursday if I could.

Thanks

bingo · May 9, 2012

I am with J.C. Taylor antique auto ins. agency, inc. 320 south 69th street Upper Darby, Pa.19082 (800)345-8290

huntingreen2day · May 9, 2012

Hagerty

P.O. Box 1302

Traverse City, MI 49685-1302

Phone: 800-922-4050

www.hagerty.com

630rich · May 9, 2012

why are you so worried? have fun...you fussing about insurance is crazy. what fun is it to keep them locked away. you Cant live in fear of everything. like the fellow who said he don't go to shows cause somebody May damage his stuff. might as well sell it then. enjoy yourself and your tractors!

kito169 · May 10, 2012

We were told at our tractor club that as long as it is an event like a show, parade or such you are covered under the Edgta policy. Do you belong to a club that is affiliated with Edgta? Edgta is Early Days Tractor and Engine Association.

bradk · May 10, 2012

Remember the guy on here that didn't take his tractor to a plow day 'cause the farmer just spread fresh manure?

He left his tractor in the shed too.............

mkirsch · May 10, 2012

(quoted from post at 20:52:51 05/09/12) why are you so worried? have fun...you fussing about insurance is crazy. what fun is it to keep them locked away. you Cant live in fear of everything. like the fellow who said he don't go to shows cause somebody May damage his stuff. might as well sell it then. enjoy yourself and your tractors!

In this day and age you can't afford to NOT live in fear of everything. One little mistake will ruin you for life, so you can't enjoy anything, ever again.

Two words: Jim Alesi. This NY State politician tried to ruin a couple's life by suing them because he broke his leg while TRESPASSING on their property.

It was a very well-publicized case. He waited until the couple couldn't press trespassing charges anymore, then filed suit.

He had no business being there. He had no permission to be on the property. He fell off a ladder and broke his leg.

The ONLY reason he didn't go through with it is because of all the negative press he received.

He almost certainly would've won, given the history of courts awarding big settlements to anyone that hobbles into the courtroom with a good sob story and a neck brace.

If you think that doesn't go on every day all over this country, you are seriously out of touch with reality. We just don't hear about it because most of it is perpetrated by "regular folks" whom the press could care less about.

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