Farm Vehicle Insurance: Understanding Coverage for Tractors, Trucks and Trailers

Farm vehicles are the backbone of agricultural operations, from plowing fields to transporting produce. However, accidents can disrupt your livelihood. That’s where farm vehicle insurance can help by offering financial protection for tractors, trucks and trailers used on farms.

What Insurance Coverage Do I Need for Farm Vehicles?

Farm vehicle insurance typically offers the following coverage options:

• Liability coverage can protect you from claims related to bodily injury or property damage caused by your vehicle (e.g., pickup truck, van) for which you are legally liable.
• Collision coverage can help pay for damage to farm trucks, ATVs, trailers and farm truck tractors due to accidental collisions. For example, if your tractor overturns or your vehicle collides with a tree, collision coverage may help cover repair costs.
• Uninsured or underinsured vehicle coverage can offer financial protection for bodily injury caused by uninsured or underinsured motor vehicles.

What Are Common Exclusions for Farm Vehicle Insurance?

Farm vehicle insurance policies often come with exemptions—specific situations or risks that aren’t covered. The following are some common exclusions you might encounter:

• Uninsured drivers and use—Providers may not cover the costs if the vehicle is damaged while being driven by someone not listed on your insurance policy. Make sure authorized drivers are listed on your policy to avoid this exclusion.
• Intentional damage—If your insurer believes the vehicle was intentionally damaged by someone working for you, they’re unlikely to pay out. Accidental damage is typically covered, but intentional acts are excluded.

Take the time to thoroughly review your policy, and don’t hesitate to address any questions or concerns with your insurance provider.

How Much Does Farm Vehicle Insurance Cost?

Insurers typically consider factors like the size of your operation, the types of vehicles you use and the risks you face when determining the price of a policy. Analyzing such factors can help ensure your insurance works as hard as you do to keep your farm or ranch operating smoothly.

Farm Insurance in East Benard, TX

Farm vehicle insurance can be a legal requirement for commercial operations; most importantly, it’s a wise investment. Whether you’re driving a tractor, a pickup truck or pulling a trailer, having the right coverage can offer peace of mind and help protect your livelihood.

Contact Smaistrla Insurance Agency to discuss your farm insurance policy today. We can help assess your operations and make coverage recommendations based on your unique needs.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.