I have two scenarios involving the same coverage form. The coverage is provided under the AAIS FO-6 Ed 1.0.
1. The insured had parked his side by side in the cow pasture and left the door open while he went to open a gate. One of the cows then came by and pushed the door further than it was designed to open and buckled the door.
2 The insured was stacking large square bales in the hay barn and while lifting two bales at a time the top bale rolled off the forks and fell on the cab of the loader causing damage.
In these 2 scenarios would the Collision peril under the FO-6 Ed 1.0 apply?
14. Collision
a. Covered Machinery -- "We" pay for loss or damage to covered farm machinery caused by the collision or overturn of that machinery. Collision means accidental contact of the farm machinery with another vehicle or object.
However, "we" do not pay for loss or damage:
1) to tires or tubes, unless the damage is coincidental with other damage to the farm machinery or implement;
2) caused by contact between a tractor and implement during towing, hitching, or unhitching;
3) caused by foreign objects taken into any farm machine or mechanical harvester;
4) while farm machinery is used in, or in the practice or the preparation for, racing, speed, pulling or pushing, demolition, or stunt activities or contests; or
5) caused by contact with the roadbed or ground that is not the result of overturn of the covered machinery, except as provided below.
"We" pay for loss or damage to covered farm machinery caused by contact with the roadbed or ground that is not the result of overturn of the machinery, subject to a $1,000 deductible per occurrence.
Pennsylvania Subscriber
Looking at the definition of collision: "Collision means accidental contact of the farm machinery with another vehicle or object" and the way the sentence is phrased, I don't think either of your situations is a collision. Collision is the contact of the machinery with another object or vehicle - this implies the vehicle is in motion at the time of loss and hits something - the side-by-side or tractor running into a fence or something else on the property.
In your situations, the vehicles were stationary when struck by other objects - the first being a rowdy cow, the second being the bales of hay. They struck the vehicle, the vehicle didn't strike them. If the side-by-side had run into the cow, that would be a collision. Also, if the loader ran into a stack of hay bales, that would be a collision. But when the vehicles are stationary, it's impossible for them to strike another object. Therefore, it's not a collision.