Mike: You are quite correct, most farm tractor liability insurance does not cover you for doing highway towing. In alcohol situations the guy with the tow truck has the ability and the law behind him to keep the vehicle on the hook until police arrive, if he deems necessary.
If you notice my post below, I knew my tractor was not covered by insurance for the highway towing. Off highway is a bit different, also 30-40 years ago was a bit different. Recently I know of a bulldozer owner-operator being sued because the chain broke and went through grill and radiator of a new Western Star.
40 years ago I pulled a disabled highway tractor from under a trailer, before his air pressure dropped and maxi's came on. He wanted me to tow it to my yard, number one he had another highway tractor 5 min away to take the trailer, plus he wanted me to store his highway tractor until they could send a lowbed for it. This guy lived 120 miles away and trucked agri commodities. Would I do this today? I'd have to know him very well.
This is all about liability, lawyers and their clients having someone's insurance pay for their misfortune. Things have changed drastically in the past 40 years.
I have a farmer friend, towed a locked car blocking one of his farm access roads. The owner tried to sue him, said it damaged transmission. He had to prove another access road to same field was not suitable for a tractor trailer. Even though he successfully defended himself, it still cost him money. Proper proceedure here is have the local towing company tow the vehicle for illegal parking. Then you can claim for the time your equipment waited to gain access. In this case it was combine, tractor trailer, farm tractor and grain buggy. Lot of money during harvest.
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Today's Featured Article - The Cletrac General GG and the BF Avery A - A Bit of History - by Mike Ballash. This article is a summary of what I have gathered up from various sources on the Gletrac General GG and the B. F. Avery model A tractors. I am quite sure that most of it is accurate. The General GG was made by the Cleveland Tractor Company (Cletrac) of Cleveland, Ohio. Originally the company was called the Cleveland Motor Plow Company which began in 1912, then the Cleveland Tractor Company (1917) and finally Cletrac.
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