Do you need auto insurance or mobile equipment insurance?

Defining Mobile Equipment

In the insurance context, mobile equipment refers to certain types of vehicles and machinery primarily designed for use off public roads. This category typically includes items like tractors, bulldozers, forklifts, and other construction or farm machinery. They are not considered autos because their primary purpose is not transportation on public roads, although they may occasionally cross roadways during their operational duties.

Understanding the Definition of Auto

On the other hand, an auto is any passenger or commercial vehicle designed for travel on public roads. Autos are commonly subject to automotive insurance policies since they are exposed to traffic situations and road hazards daily. They include cars, trucks, and SUVs, essentially vehicles registered for regular street use.

Why the Distinction Matters

Understanding the distinction is critical for obtaining the right insurance coverage. Insuring an auto as if it were mobile equipment might not cover road-traffic-related liabilities.

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