Farm Tractor Not an Insured Vehicle Under Auto Policy

If you decide to drive a farm tractor to town to pick up groceries, will your no-fault vehicle insurance cover someone injured in a collision with the tractor? No, according to the decision of the Minnesota Court of Appeals in Kastning v. State Farm Insurance Companies, 821 N.W.2d 621 (Minn.Ct.App. 2012). The Kastning court held that an uninsured farm tractor is not a “motor vehicle” for purposes of the Minnesota No-Fault Automobile Insurance Act, because a farm tractor is neither subject to registration nor designed “for use primarily upon public roads, highways or streets.” Thus, an uninsured farm tractor is not a “motor vehicle” under the uninsured motorist coverage of an insurance policy that defines “motor vehicle,” in part, as subject to registration and “designed for use on public highways.” Kay Nord Hunt successfully obtained the favorable ruling for State Farm Insurance Company in this matter.

Read the decision of the Minnesota Court of Appeals.