Farm Truck Insurance in North Carolina


The everyday work of plowing, planting and harvesting on American farms has never been easy. Just a few generations ago, it was mostly done with animal and human muscle power. Today, nearly all farms use machines for jobs that used to be done by mules and wagons.


However, an early 20th-century farmer would hardly recognize some of today’s farm machines. They may be as tall as a building and cost hundreds of thousands of dollars. In place of a hard metal seat, modern tractors can have cozy-leather seats, have air-conditioned cabs and entertainment systems.


One piece of equipment that remains largely unchanged is the “farm truck.” Usually a pickup truck, it has become as important to the day-to-day running of the farm as any combine, tractor or other piece of equipment, whether it is being used for carrying crops, plowing snow or getting supplies.


With these farm vehicles being so important to the production on a farm, it is no wonder that farm truck insurance is a must for every farmer. Especially, if they do not want to lose precious work production.


There isn’t a single universal definition of a farm truck. However, most say that it is a pickup or similar vehicle that:

  • Is used only for farm work; and
  • Except for limited farm-related uses, is not driven on public roads


Insuring the Farm Truck or Vehicle (farm truck insurance)


As with any important piece of farm equipment, loss of the use of the farm truck can mean serious problems for farm operations. Unless the farmer has a second vehicle, other ways of delivering seed or transporting workers to the fields must be found. That is one thing to consider when looking for farm truck insurance.


But the farmer looking for farmer truck insurance must also think about whether to carry insurance in case someone is hurt in an accident involving the truck. This is called liability insurance.


Liability Coverage


In some states (including North Carolina), a farm truck must have a title and be registered. To register, the owner must have liability insurance (farm truck insurance). The farm truck owner must have at least the minimum amount required by state law.


Other states, such as Virginia, do not require either farm truck insurance or registration. However, many farmers choose not to take a chance of an uninsured loss and carry liability insurance. Uninsured\underinsured motorist coverage, is available to add on an automobile policy or under a farmowners’ insurance policy.


Additional Farm Truck Insurance


As with farm truck insurance, liability is only one type of available coverage. Some other types of coverage are worth considering.


Collision – This can help pay for repairs to a farm truck hit by another vehicle


Comprehensive – Covers other types of vehicle damage, such as vandalism or storm damage


Uninsured and Underinsured Motorist – This insurance provides protection in the case of an accident with a driver who has less than the required minimum amount of insurance (or none at all).


Gap Insurance – If a loan was needed to buy a truck, this insurance can help cover the amount still owed to the lender after an accident.


Non-Owned Insurance – This coverage will pay for damages to a farm’s employee’s personal car if it is being used for farm business.


As always, your insurance agent is the best place to go for advice about which of these additional types of coverage are right, and which farm truck insurance to purchase.

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