MINONK, Ill. – Illinois COUNTRY Financial insurance agents received more than 180 farm equipment collision claims between the months of March and June 2025, including those involving collisions on the road with other vehicles as well as collisions with buildings or other equipment on the farm. This is according to data shared by Zack Hinthorn, COUNTRY agribusiness underwriter, who noted the timing of the claims serves to highlight the enhanced risk farmers face during the spring field preparation and planting seasons.

“Many of the collision claims are between vehicles on the road and farm implements,” said Hinthorn, a loss prevention specialist who works out of COUNTRY’s Minonk (Woodford County) insurance office. “We want to spotlight this at this time of the year because after a few months of little farm activity, (motorists) become a little more comfortable in not thinking about farm equipment on the road. If you see large tractors pulling equipment, they are actually moving a lot more slowly than you even think. It’s not uncommon for people not to be able to slow down on time.”

Hinthorn said the most common types of collisions include those that occur due to impatient motorists attempting to pass slow moving farm vehicles. Often, those collisions occur as a tractor, combine or sprayer operator attempts to execute a left or right hand turn onto another road or into a farm field.

“Sometimes a motorist may not be aware that a farm implement is preparing to turn because their flashers may also be in operation,” he said. “This can result in more frustration and people trying to pass right at the worst time. When motorists are frustrated, that is when accidents happen.”

Because these types of collisions are among the most common claims for COUNTRY Financial farm clients during planting season, agents are encouraging farmers to double down on their own safety and preparedness. This includes an annual check on farm insurance coverages. Taking proactive steps now can help reduce accidents, prevent breakdowns and protect farm operations during one of the busiest times of the year, according to Hinthorn.

“The farmer obviously knows where they are going, but when someone is behind that tractor waiting for it to turn patiently on the next road, it can throw off drivers. Especially if they are making a left or right turn into a field entrance; they don’t know where those field entrances are like the farmer would,” Hinthorn said. “We want motorists to be aware there will be a lot of equipment on the roads soon. Try to anticipate that, and if you live in a rural area maybe plan for that and leave a little bit earlier.”

Hinthorn shared the following tips with Farm World farmers for a safe and successful planting season:

- Improve visibility on the road

“Accidents involving farm equipment often occur at dawn or dusk during peak commuting hours, especially when motorists attempt to pass slow-moving vehicles or do not anticipate turns or stops. Use flashing lights, ensure reflective tape and Slow-Moving Vehicle emblems are clean and confirm all lights are functioning properly to help maximize visibility and reduce risk. Remember to use turn signals, as drivers often misinterpret a tractor moving to the right side of the road before making a left turn.

“Drivers should plan ahead during the busy planting season, remembering that farmers will be on the road and allowing for extra time. Slow down, stay focused on the road and look for the lights on farm vehicles.” 

- Prepare equipment

“Equipment malfunctions are a common cause of farm accidents. Thoroughly inspect and maintain all farm equipment before hitting the fields. Regular maintenance such as checking worn parts, replacing filters and lubricating moving components can reduce unexpected breakdowns and improve overall safety.”

- Take extra caution when handling chemicals

“Chemical safety is another critical focus during planting season. Review safe handling procedures for fertilizers, pesticides and other hazardous materials with all farm workers to help ensure everyone is aligned on proper protocols. Have Safety Data Sheets (SDS) on-hand in case of emergency and ensure the use of personal protective equipment, including gloves, goggles and masks.”

- Prevent theft

“Theft of tools, chemicals and other personal property is common during planting season and can occur when equipment is left unlocked in the field, and when farmers are in and out of sheds frequently and don’t close and lock the doors. Take time to ensure valuable items are secured.”

- Check insurance coverage and review extra coverage options

“Farmers should check their farm insurance coverages to be sure they have the right endorsements and coverages. For example, with Extra Expense coverage, a farmer who has a covered loss on a piece of equipment may be able to receive additional payment to rent equipment and resume operations. Farmers who sell seed corn need to purchase additional coverage. Check farm inventory lists to be sure they are accurate and up-to-date, especially if you have sold or purchased new equipment.

“Meeting with an insurance agent to discuss equipment, buildings, livestock, crops and employees can help ensure proper protections are in place and that any recent changes to operations are addressed.”

- Take care of your health

“Finally, farmers are encouraged to prioritize their health and wellbeing. Long hours and physical demands can take a toll, making it important to take breaks, eat healthy meals, get enough rest and understand how medications may affect alertness. Let family members or employees know where you’re working and keep a phone or walkie‑talkie nearby in case of emergency.

“Safety on the farm isn’t just about equipment – it’s about awareness, communication and looking out for one another,” Hinthorn said. “Refreshing safety practices each season helps prevent injuries and protects everyone involved.”