Highway liability question

I have some leased land that is away from the homestead. My insurance agent said that the land was considered an extension of my homestead and was covered by that insurance..... but what about going to and from?

Beins one of my "considerate" neighbors bout ran over me yesterday, it has become an immediate item of concern.

Gonna ask her but just wonder what you do.

Thanks,

Mark

It's unclear what kind of insurance policy you have. If it's a "farm and ranch" policy, then you should be covered for activity related to your farming activities. Best to read the fine print, though. If you just have a homeowner's policy, then I would guess you are not covered once you're on the road.

Something I'm thinking of doing is getting an "umbrella liability" policy. These policies cover you only after your other policies (homeowners, business, auto, farm, etc.) have paid out. These are relatively cheap, but could save you from bankruptcy in the case of a large judgement.

It's Farm and Ranch and on the umbrella, amazing how fast you could eat up a couple hundred thousand in a litigation dispute. Don't know how you can survive without it.....unless you have nothing to loose.

Thanks,

Mark

Thanks,

Mark

Mark

Mark

Your equipment is covered by the farm insurance and that's about all.

IF you have the proper slow moving sign and IF you are legal otherwise, you are just one step away from being a pedestrian on a roadway.

Not to say that ya can't end up just as dead, but the other guy is supposed to look out for you. :>)

Allan

Mark

As with all insurance, no matter what anyone says, you don't really know 100% for sure until you need it..... Sigh.

--->Paul

the state law reads (but not all law officals know it) that Farm EQUIPMENT (all) has the Right of Way on all roads in INDIANA-- law was writen prior to the lights and warning signs were made...

NOW the trick is MOST POLICEMEN do not know the laws.. and if you as a farmer do something stupid you should pay...

and sad to say there was a move afoot to change that law,... that wold be disastorus

Guy came highballing around a blind curve the other day and all but ran me off the road. Had I been in my big tractor or had a plow or baler in tow, we would have been head on. He is retired and knows better, and when I got home I called him and he was home and in questioning him, there was no reason for all the hurry.

Course, what good is that emblem on the rear of your tractor for oncoming traffic?

Mark