We understand how important your farm trucks are to your day-to-day operations. Whether you haul supplies, tow livestock or sell produce out of the back, you depend on your farm truck every day. That’s why having the right truck insurance is so important.
Understanding farm truck coverages
When you insure your farm or ranch trucks on a commercial automobile policy and package it with your farm or ranch policy:
- You’ll get one bill
- You may be eligible for a multi-policy discount
- Your cargo can be covered, too
Also known as property damage/bodily injury liability, this coverage can help cover expenses from damaging a vehicle or injuring a person in an accident. Many state laws require liability coverage, also known as “property damage/bodily injury.”
Collision insurance can help pay for damage to your farm use vehicle after an accident involving another vehicle.
Comprehensive coverage can help pay for damage to your farm use vehicle from vandalism, weather events and accidents involving animals.
Uninsured motorist coverage helps protect you and your vehicle from uninsured drivers and hit-and-run accidents.
Underinsured motorist coverage helps protect you from drivers who do not have enough insurance to cover the costs of an accident.
Mandatory in some states, med pay can help cover medical costs related to an accident, regardless of who’s at fault.
PIP can help defray costs from medical bills and lost wages as the result of an accident.
Gap insurance can help cover the amount you owe on your new car after an accident.
This optional auto insurance coverage can help you if you need a tow, run out of gas or get a flat.
This coverage can reimburse you for a tow and for the labor costs to get your car up and running again.
Rental car reimbursement helps pay for a rental car if your vehicle can’t be driven after an accident.
Non-owned insurance will pay for damage to an employee’s personal car when it’s damaged while being used for farm or ranch business.
Products and discounts not available to all persons in all states. Products are subject to deductibles, exclusions, and conditions.