CLAIM MANAGEMENT
OF COMMERCIAL
VEHICLES : TRACTORS
A Presentation
by
Ajay K. Jain
Sukhnidhey Insurance Consultants Pvt. Ltd.
WHAT IS A TRACTOR ?

A vehicle having a powerful gasoline or diesel
motor and usually large, heavily treaded rear
tyres, used especially for pulling farm
implements or machinery.

A truck having a cab and no body, used for
pulling large vehicles such as vans or trailers.

Something that pulls or draws.
TYPES OF TRACTORS

Four-wheel

Row-crop or high-wheel

Tricycle

Crawler

The acreage to be worked, type of crops grown, and the terrain all
impose their requirements on tractor design. Accordingly, models
vary in such details as power generated, weight, ground clearance,
turning radius, and facilities for operating equipment.
MAJOR PARTS OF A TRACTOR
FRONT AXLE AND SUSPENSION
COOLING SYSTEM
STEERING ASSEMBLY
 BRAKE SYSTEM
 ENGINE
 CLUTCH
 TRANSMISSION
 DIFFERENTIAL AND REAR AXLE
 CABIN OR STRUCTURE



RATING OF TRACTORS

Tractors are rated by the horsepower they
deliver at the drawbar and at the belt.

On small models, the drawbar and belt
horsepower may run as low as 10 (7.5 kW)

On large models the drawbar horsepower runs
as high as 132 (98 kW), while belt horsepower
reaches about 144 (107 kW).
INDUSTRIAL V/S FARM TRACTORS

The basic design of an industrial tractor for hauling and
for operating construction equipment departs little from
that of a farm tractor, and differences in design of
models fit the vehicle to its intended work.

As high ground clearance is not needed for industrial
work, the tractor is commonly built with a lower centre
of gravity and is capable of travelling a few miles per
hour faster than a farm tractor. If its use is confined to
hauling, it may not be equipped with hydraulic power. If
it is to be used for operating a scraper, backhoe, or
front-end loader, its structure may be heavier and more
rugged.
OPERATION

Modern farm tractors usually have four or five footpedals for the operator on the floor of the tractor.

The pedal on the left is the clutch.

Two of the pedals on the right are the brakes.

The pedal furthest to the right is the foot throttle. Some
tractors, especially those designed for row-crop work,
have a 'de-accelerator' pedal.

A fifth pedal is traditionally included just in front of the
driver's seat to operate the rear diff-lock.
SAFETY

No other farm machine is so identified with the hazards
of production agriculture as the tractor. Tractor-related
injuries account for approximately 32% of the fatalities
and 6% of the non-fatal injuries in agriculture. Over
50% is attributed to tractor overturns.

The roll over protection structure (ROPS) and seat belt,
when worn, are the two most important safety devices
to protect operators from death during tractor overturns.

Modern tractors have rollover protection systems (ROPS)
to prevent an operator from being crushed if the tractor
overturns.

In open-air tractors the ROPS is a steel beam that
extends above the operator's seat.
IMPORTANT POINTS










Always give importance to the “aggregate numbers”
Always consider the “Line of impact”.
Always give more importance to spot survey to
minimize the liability
Always consider these points at the time of the final
survey
Repairing v/s Replacement
For Driving license
Parts which should not be allowed as per IMT 21
endorsement
When the Claim is not payable
For minimizing liability
Impact of attached trolley on claim status
THANK YOU
HAVE A NICE DAY
For any queries please contact:
Ajay K. Jain
098280-11115, 098291-11115
er_akj@yahoo.co.uk
Website: www.sukhnidhey.com