Publication
Farm tractors in road traffic
A look at accident risks and prevention measures


Accidents involving tractors in road traffic [Source: German Insurers Accident Research, 2023, Picture: Harald Almonat]
September 2025
Farm tractors are essential helpers in agriculture, but their participation in road traffic poses particular challenges. A research report by the German Insurers Accident Research (UDV) from 2023 examines the accident risks of motorized agricultural vehicles (MAV) and shows how the occurrence of accidents, with a focus on accidents involving personal injury, has changed over the years. The study is based on a comprehensive analysis of national traffic accident statistics and on claims of the insurers Allianz Versicherungs-AG and Landwirtschaftlicher Versicherungsverein Münster a.G. (LVM) that where gathered together in a joint accident database. The Allianz Center for Technology contributed significantly to the preparation of this report.
Figure 2 compares the change in the number of MAV respectively passenger cars as well as accidents with personal injury (A(PI)) involving agricultural tractors respectively passenger cars since the reference year 2008. There has been an increase in the number of agricultural tractors and passenger cars, but fortunately this has not led to an increase in accidents involving personal injury.

Figure2 : Changes in vehicle numbers and accident occurrence for MAV and passenger cars [Source: The role of farm tractors in traffic accidents, German Insurers Accident Research, 2023]
In the considered years 2005 to 2021, motorized agricultural vehicles were involved in very few accidents resulting in personal injury, but a detailed analysis of the national traffic accident statistics indicates that accidents involving MAV are particularly serious. In 2019, for example, accidents involving MAV accounted for only 0.65 % of all accidents involving personal injury. Nevertheless, they were involved in 2.05 % of accidents with fatalities and 1.10 % of accidents with serious injuries.
For the in-depth analyses, an accident database was set up containing motor third-party insurance claims involving personal injury from Allianz Versicherungs-AG and Landwirtschaftlicher Versicherungsverein Münster a.G. (LVM). This database comprises 905 claims on public roads from 2017 to 2020.
As can be seen in Figure 3, passenger cars (64.6 %) and motorized two-wheelers (19.9 %) are the most frequent other road users involved in accidents with MAV involving personal injury.

Figure3 : Other road users involved in accidents with MAV [Source: The role of farm tractors in traffic accidents, German Insurers Accident Research, 2023]
Taking into account the number of vehicles and mileage, motorized two-wheelers are disproportionately often involved in accidents with farm tractors. One possible reason for this could be that farm tractors and motorcycles often use public roads at similar times. Around 80 % of the accidents examined occur during the harvest season from April to October, a period that is also characterized by intensive use of motorized two-wheelers.
It can be observed that accidents involving MAV most frequently occur when turning-off, turning into/crossing, and in longitudinal traffic. The conflict situation between an MAV turning left and an overtaking vehicle accounts for the largest share at 20 %. Another striking finding is that of the total of 905 claims analyzed, technical defects in the MAV were the cause of 6.6 % of accidents, which is significantly higher than the value known for passenger cars (0.6 %). Frequent defects include defective turn signals and missing contour markings on extra-wide equipment and trailers.
In order to further reduce the number of accidents and their consequences, accident prevention measures focusing on public road traffic were discussed on the basis of findings from accident occurrence and evaluated in terms of their applicability on the basis of the MAV accident database. These include technical measures such as driver assistance systems, some of which are already known from other vehicle classes, or passive safety devices designed to minimize the risk of injury to other road users involved in a collision. In addition, infrastructural measures can also be considered to increase road safety - examples include improved road markings and dedicated lanes for motorized agricultural vehicles - as well as positive changes in the individual behavior of road users.
The complete research report is available free of charge in short and long versions here.