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IS A TRACTOR ACCIDENT COMMERCIAL OR PERSONAL?

On Behalf of | Jul 7, 2021 | Farming Accidents, Personal Injury

It’s summer and that means there will be lots more tractors and farm equipment on eastern North Carolina roadways. Did you know if you are involved in an accident with a tractor and were injured, there could be multiple factors at stake when it comes to your claim?

Right from the beginning of the crash, what will need to be determined is whether the vehicle was personal or business? This will be a key point for the insurance company negotiators — and as an injured person, it could also be very important for you.

The foundation of your case is based on liability. And the term “liability” means a claim you can make against the assets of another party. In other words, liability is what the person who injured you would owe you, and this would be decided and enforced by the court. The amount will vary depending on the details of your case.

Other than the court system, the other profession that deals with liability is insurance and insurance adjusters. Insurers sell a product to consumers and promise to pay when their clients encounter certain liabilities or losses.

When it comes to a farm equipment accident, you may be able to see that there could be complications and complexities. A farmer may have a choice to take out a personal or commercial vehicle insurance policy for a towing vehicle, like a pickup truck and those policies could have very different levels of coverage.

There could also be other factors, such as who is liable for your injuries, that may affect your claim. An example of this is whether or not there was faulty farm equipment, negligent refurbishment services or low-quality tires – and do any of these manufacturers or shops have some degree of fault.

These types of things will typically fall on you, the injured person, to track down everyone involved in your accident. This is why if you are injured in a farm vehicle accident, depending on the situation, you should immediately seek the advice of an experienced personal injury attorney. Give Hardee, Massey & Blodgett, LLP a call at 252-378-2525 for a free consultation with one of our trusted attorneys.

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