Insurance woes continue

Mike CA · Nov 12, 2009

I thought I had my insurance issues all resolved by going with J.C. Taylor. Well, they will cover the tractor with liability insurance. No problem. I can even use it in parades. No problem.

The problem, that wasn't explained to me when I originally spoke to them, is that I can't PULL anything with the tractor! Are you kidding me? It's a tractor! But they won't cover me if I'm pulling anything. I have to sign a paper that says I won't pull or haul anything or any one!

Unbelievable!

I've called Grundy, they don't cover tractors. Hagerty, they won't cover pulling. Farmers, State Farm, Allstate, USAA... all a no go.

One possibility of hope I have is with Westpoint Insurance Group. I just got an application for single event insurance. Hopefully it will be cheap enough to keep my plans alive.

Mike CA · Nov 12, 2009

I forgot to mention that any other ideas are welcome.

Kurt_JDB · Nov 12, 2009

Mike,

I have my insurance with Hagerty. I think they had a problem with a pulling tractor, but not if you were pulling a trailer.

Kurt

400Dtractorman · Nov 12, 2009

look in red power or green mag I can't remembe the name but it sounded good and cheap. They only cover on the road if your going to a show and your not covered when you hook to a pulling sled and when you unhook your covered again. hope this helps.

F-Dean · Nov 12, 2009

Have you checked with your auto insurance? They may cover you with a "Rider."

Also make sure of their definition of "Pulling!" They may cover you if you are "Towing" a trailer.

Mike CA · Nov 12, 2009

Mike,

I have my insurance with Hagerty. I think they had a problem with a pulling tractor, but not if you were pulling a trailer.

Kurt

They specifically told me I could not pull a trailer, float, or anything else in a parade. I could only have the tractor in the parade alone.

TomH in PA · Nov 12, 2009

Write your congressman and remind him that the US really needs to address tort reform.

Hoss In ME · Nov 12, 2009

Move in beside me,we dont have that problem here.When we pull at the club pulls we are covered buy the insurance we buy when you join up,15 bucks a year. Hoss

gene bender · Nov 12, 2009

The joys of living in Calif. Surprised you can even drive a tractor in town for whatever reason as you certanlly aint farming

Doug - Iowa · Nov 12, 2009

I used to think lawyers were the bottom feeders but I've decided insurance agents are. Mine cancelled me when I added a plow to my pickup for personal use. 15 minutes later I had insurance over the internet with Progressive with the plow and cheaper to boot. I told him so and he said, wait till you have a claim and need an agent. I told him with an agent like him same as having none so what's the differnce. These insurance agents better start serving thier customers or look for other employment.

Duanes · Nov 13, 2009

TomH in PA is right. Tort reform is what is needed and that will take away the excuses for the insurance companies.

Anonymous-0 · Nov 13, 2009

Hello Mike - I guess I kind of started this mess. Our homeowner's policy covered the use of the tractor as long as it was not for farm use (would need farm liability policy). Now since I kept the Case SC in town and I rent my ground to my cousin, who has farm insurance my agent said we were ok. This is all in Indiana. However, because we travel a lot with our boat we also bought an additional "umbrella" policy for $200.00 per year for "any additional catastrophic" accidents. The rate on this policy went up when my daughter started driving last year. I agree, ya can't win - but I think you still need to know you have insurance coverage if you are going to have hay rides, etc. Good luck.

James Williams · Nov 13, 2009

Mike,I was just turned down by them.I was trying to insure a 1949 chevy pick-up and they turned me down becaues it was in primer and not painted.I dont understand it

jimmy

haymaker421 · Nov 13, 2009

First comes lawyers, then Bankers, then Insurance Agents.

Ric Ks. · Nov 13, 2009

Just remember, Insurance was invented by the mob, YOU PAY ME I NO BREAK YOU LEG.

john *.?-!.* cub owner · Nov 13, 2009

Are you a member of a tractor club? Our local club has insurance that covers us at any function the club participates in.

Mike CA · Nov 13, 2009

Are you a member of a tractor club? Our local club has insurance that covers us at any function the club participates in.

Two clubs. But this particular parade, and other events that I wanted to do with the Navy, aren't club santioned events. If it's sanctioned, then their insurance covers you. However, I need to find out if there are restrictions to that, like "you can't tow, pull, or haul anything".

Anonymous-0 · Nov 14, 2009

Being that I'm lazy and that most stuff is typed faster than I can read, I'd go to whoever organizes parades in your area, say, who's gonna pull the float with the watermelon (grape or whatever) queen. Chances are it's gonna be pulled with a tractor. Ask that person who covers them and go from there. Shouldn't be rocket science. Would a personal liability insurance for yourself do the trick?

Dave

scot in pa · Nov 14, 2009

Is there a local vegetable farmer you could "lease" the tractor to for the day for advertising purposes, so their insurance might cover it?

Insurance woes continue

Mike CA

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Mike CA

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Kurt_JDB

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400Dtractorman

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F-Dean

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Mike CA

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TomH in PA

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Hoss In ME

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gene bender

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Doug - Iowa

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Duanes

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Anonymous-0

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James Williams

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haymaker421

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Ric Ks.

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john .?-!. cub owner

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Mike CA

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Anonymous-0

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scot in pa

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