[AT] Tractor cruises... liability insurance?

[Paul Waugh]

have a blast, you have earned it
Paul
----- Original Message ----- 
From: "Dean Vinson" <dean at vinsonfarm.net>
To: "'Antique tractor email discussion group'" 
<at at lists.antique-tractor.com>
Sent: Thursday, September 23, 2010 6:20 PM
Subject: Re: [AT] Tractor cruises... liability insurance?


> Thanks for all the discussion, gentlemen.
>
> I don't have a farm policy since I don't have a farm... the Super M
> currently occupies a space in my suburban garage, where it's covered by my
> homeowner's policy.  But neither that policy nor my auto policy provides 
> any
> coverage against loss or liability I might incur while operating the 
> tractor
> somewhere other than my own property, such as on the road to the local
> fairgrounds or even my occasional trips down to the corner gas station to
> fill up my 2-gallon lawnmower gas can.  (I use the Super M for that since
> it's vaguely like a productive purpose for the tractor, and since I don't
> like to carry gas cans in the trunk of my car, and since the neighbors 
> like
> to wave at me when I go by on the tractor).
>
> I did check with my insurer to see if they had any specialty coverage they
> could provide, but they didn't and suggested as several of you did that I
> call around to other insurers.  (Herb, you were correct that I have USAA 
> for
> my other policies, and correct that it's an excellent company, and correct
> that they didn't quite know what to do with my question when I called).
>
> After browsing some websites I stopped by a local Farmers Insurance Group
> office.  They were friendly but didn't know for sure what they could 
> offer,
> took my information, and said they'd call back by the next morning.  They
> didn't, nor did they return a subsequent voicemail I left for the agent 
> I'd
> talked with, so this afternoon I tried a local State Farm agent.  She knew
> right what I was looking for, said another of their customers has a few 
> old
> tractors insured with them, and promptly wrote me an auto-type insurance
> policy complete with an insurance card that lists the covered vehicle as
> "1953 FARMALL SUPER M TRACTOR".  Not free, $80 a year, but I'm glad for 
> the
> peace of mind.
>
> Barring thunderstorms, I plan to crank the old girl up tomorrow after work
> and head for the Old Timers Days festival in Xenia... :-)
>
> Dean Vinson
> Dayton, Ohio
> www.vinsonfarm.net
>
>
>
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