Would I be covered for uninsured motorist coverage if I was driving a tractor and hit by an uninsured driver?

Answer 1

It all depends on where the tractor is insured through. I'm going to put a wild guess out there and say that it's not on anybody's auto policy. It's probabally through a home-owners policy or a farm business policy. Then you would have to file with the insuring agency of the tractor.
Otherwise you'll have to pay the medical bills and take the moron to small claims court and hope for the best.

Answer 2

It would depend on the state law. But you should be covered, unless your insurance policy has an exclusion for this. Read your policy. Or ask your agent. Most Auto policies cover situations like this, for example, if you were a pedestrian hit by an Uninsured motorist (UM), your auto policy would cover your injuries under your UM coverage on your auto policy. Should be the same with you and your tractor.

Answer 3

If your insurance covers your tractor than yes. But when you are get insurance the insurance covers the car not you as a driver specifically. You can tell the insurance company who is allowed to drive the car and be covered under the insurance but still the insurance covers the vehicles specifically not the person

Answer 4

In Texas uninsured and no drivers license equals illegal alien. If your Tractor had car insurance it might be covered... Headlight tail light and get a license plate.

Answer 5

see if your insurance policy coveres you driving a tractor. Most insurance policies just cover light trucks, cars, suvs. If you specifically have coverage for the tractor then I would say yes.

Answer 6

UMPD is Uninsured motorist components injury. Strictly what became into broken in the twist of destiny. It does not offere a apartment motor vehicle as a results of fact the guy above me reported. It additionally does not cope with your declare like they have been insuring the different individual. It strictly handles the wear and tear to you motor vehicle on the quantity of the coverage (mine is $3,500 max with a $250.00 deductible) apartment motor vehicle coverage is one extra coverage and could no longer be attainable on a criminal duty only motor vehicle. the reason which you're being charged a deductible is when you consider that's the coverage which you signed for. in case you come back to a call to get a apartment motor vehicle, then you rather will would desire to comprise that throughout the wholesome against the different driving force. Your coverage would comprise that throughout their case for you. be careful, once you hire a motor vehicle, you will decide to get their injury waiver, when you consider which you do not have complete coverage on your coverage, it won't conceal injury to the apartment motor vehicle, in spite of fault. think of of an uninsured motorist difficulty this way.... If somebody have been to break into your place and thieve products, you will nevertheless would desire to pay your components proprietors deductible notwithstanding it became into no longer your fault that your stuff became into stolen. purely as a results of fact it wasn't your fault does not advise which you do no longer would desire to pay for the guy who desperate to break the regulation.

Answer 7

Probably not through your auto policy, but check with your agent you may be covered for medical payments through your homeowners policy if you own the tractor or if it is listed as equipment on a farm policy.

Answer 8

How do you have the tractor covered? If you purchased uninsured/underinsured coverage, than you will be covered. If you do not have coverage, than you will have to file under your collision.

Answer 9

Yes, if the tractor is on your insurance policy and you have UM/UIM coverage.

Answer 10

Contact your insurance agent. If you have insurance on your tractor then you are insured.