Insurance problem solved

Mike CA · Oct 28, 2009

I was pointed to J.C. Taylor antique insurance by a guy who has a policy for a few of his tractors with them. http://www.jctaylor.com/antique/contact.jsp

I got $300,000 liability, and comprehensive coverage for $60 a year.

8)

John T Country Lawyer · Oct 28, 2009

Great, thanks for the feedback. Now just still be careful since 300K dont go far if a kid is seriously injured and youre found to be at fault and liable OUCH you could still be on the hook for the rest, but what you did was a good thing...Check over mechanical components and safety issues and have a great time now. Id sure rest easier knowing I was covered for at least that amount........I used to haul German exchange HS students on hay rides and they had a great time, I mistakenly started up a big hill in 4th gear in my old JD 70 and half way up had to lock it up so I could get it in 3rd gear whewwwwwwwwwww glad I had good brakes n clutch n hitch and the kids sure let out a yell lol

John T

Dellbertt · Oct 28, 2009

I would not tell anyone in your local area that you have insurance.
You might find more than one person "accidently" falls off your wagon.
Dell

Mike CA · Oct 28, 2009

Well, the girl scouts have their own insurance, which I'm sure has deeper pokets than mine.

And I shouldn't say "I got it". I should say I got the quote, and am being sent the application. Part of the application includes a picture. So I need to get this beast back together!

bc · Oct 28, 2009

Have fun and good luck. Even if something drastic did happen, you have enough coverage to entice someone to settle for policy limits particularly when you have no personal wealth to go after. Some states have limits on wrongful death, $200k to $300k, are examples but they vary.

Much easier than asking and having the parents of the scouts sign a release, which was another option, but I'm not sure there is such a thing as an airtight release. That is what I tell people who want something drafted that is airtight. I also tell them that piece of paper doesn't have any iron cladding either.

bc · Oct 28, 2009

Without reading all the policies, hopefully between the parade organizers, the scouts, your tractor insurance, and homeowners insurance, somewhere there will be some coverage.

And ya gotta watch the parade watchers too. The kids run out in front of ya and the parents of the scouts will run up to the hay rack to take pictures and get their toes run over. I've seen parents walk sideways with their back to a hayrack so they can pose with the kid for grandma. Depending upon the weather, they may exchange clothing while moving. And possibly their clothes or camera strap catches on the trailer and they get drug for a ways. We have a yearly parade and the clowns come along throwing out candy for the kids. I've seen kids jump off their rack to pick up candy off the street. A broken toe or sprained ankle can run a few grand by the time an ambulance takes them to the emergency room.

Anonymous-0 · Oct 28, 2009

Yeah - it was me who suggested insurance for him and I had the same thing happen on a hill with a wagon load of kids. You wouldn't think people would weigh that much, but they do especially if the wagon is full. BTW my brother is a JD so i get me legal advice for free!:^) (well, most of the time, I have to pay if I don't like his advice and go somewhere else)

ScottyHOMeY · Oct 28, 2009

People do weigh a lot. More than cars and tractors actually. Learned that years ago in a news article about the 50th ?? anniversary of the Golden Gate Bridge. They closed it to traffic for the day so that people could actually walk across it and back. The engineers kept a close eye as the masses weighed down the bridge and flattened the arch in the deck more than stalled rush-hour traffic ever did.

Figure we're mostly water, and water ain't light. Twenty 150# people is a ton-and-a-half.

Mike CA · Oct 28, 2009

I weigh 250 pounds. That is why I don't need weights on my rear wheels. I just have to climb on board!

John T · Oct 28, 2009

Yeah and then theres that whole other thing about cadence and a bridges resonant frequency whereby on certain types of bridges soldiers could NOT march in time as it might set the bridge into uncontrollable vibration and destroy itself HEY IM NOT KIDDING even a dog trotting across at a steady pace at the wrong very precise frequency may get some types of bridges dancing yikessssssss

John T Not a mechanical or structural or bridge engineer but heard of this from the gents who were so minded wayyyyyyy back years ago at good ol Purdue

MeanGene1 · Oct 28, 2009

I was there, watching from Chrissy Field, and the bridge was flat between the towers- they closed off the approaches none too early

tractorsam · Oct 28, 2009

I used to work on a steam railway in the UK and we always figured on 16 people to the ton. Sam

Janicholson · Oct 28, 2009

Check out the Skywalk failure in Kansas city MO.
I was in the hotel 1 year later. The scars were evident.
Common syncronized human movement, and bad (on site) reengineering were the issue.
The steel support rods used to hang the walkways were supposed to be continuous top to bottom.
They were changed to use shorter rods that were in staggered holes in the steel cross supports. (rectangular tubing) the lower walkways were thus pulling down on the top of the upper tubing, and crushed it. The original rod design would transfrer the whole load to the roof trusses. JimN
KC bridge info

IH fan · Oct 28, 2009

(quoted from post at 20:43:42 10/28/09) Check out the Skywalk failure in Kansas city MO.
I was in the hotel 1 year later. The scars were evident.
Common syncronized human movement, and bad (on site) reengineering were the issue.
The steel support rods used to hang the walkways were supposed to be continuous top to bottom.
They were changed to use shorter rods that were in staggered holes in the steel cross supports. (rectangular tubing) the lower walkways were thus pulling down on the top of the upper tubing, and crushed it. The original rod design would transfrer the whole load to the roof trusses. JimN
KC bridge info

My daughter worked as a draftsman (draftsperson?) for a company that bid the detail drawings for that job. They had a set of the original engineering drawings for the hotel, but did not get the detailing job. As soon as they heard on TV or the radio about the skywalk falling, they pulled the prints and [u:f66b3a775e]had the problem nailed down before the day was over[/u:f66b3a775e]... she came home that evening and said it would be easier to do short rods from level to level, and they bet the contractor talked someone into changing it to short rods. That turned out to be the case.

Bob Kerr · Oct 29, 2009

Marching bands and Army units going across the Brooklin Bridge back in the 1800s were told they couldn"t march in time but had to walk regularly for fear of causing too great of strain on the cables and supports.

Insurance problem solved

Mike CA

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John T Country Lawyer

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Dellbertt

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Mike CA

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bc

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bc

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Anonymous-0

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ScottyHOMeY

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Mike CA

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John T

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MeanGene1

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IH fan

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Bob Kerr

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