If you use your pickup truck for work on your farm in Hutchinson, KS, you may wonder whether your auto insurance policy will fully protect it. The short answer is it depends on the truck’s weight, how it is titled, and whether your farm is a commercial business. DJ Kauffman Agency can help you determine whether you need a separate policy for your pickup truck.<\/p>\n
Owners of lightweight pickups like a Ford F-150, Silverado 1500 or Ram 1500 can generally keep their truck on their personal auto policy by adding an endorsement. The caveat is that you must disclose your farm work to your insurer. You will need a farm-use designation added to your policy. This scenario only works if your truck is titled in your name, not in your farm’s LLC, and is used only for personal chores, such as hauling feed or moving livestock. A hidden benefit of this designation is that you may qualify for lower rates. Insurance companies love that trucks used on farms will have lower mileage, which qualifies you for lower commuting rates.<\/p>\n
Your personal auto policy will deny claims if your truck enters certain commercial operations parameters. The first is titling. If it’s owned by an LLC, a corporate name or a partnership, you need a commercial policy. If you have a heavy-duty vehicle, you’ll need to check your personal policy for weight limits. When you haul other farmers’ goods or livestock for a fee, or have hired farmhands driving your vehicle, you are automatically considered a commercial entity.<\/p>\n
Get the best auto insurance policy for your farm and personal needs. Contact DJ Kauffman Agency, serving residents of Hutchinson, KS, to get started on a personalized policy.<\/p>\n","protected":false},"excerpt":{"rendered":"
If you use your pickup truck for work on your farm in Hutchinson, KS, you may wonder whether your auto insurance policy will fully protect it. The short answer is it depends on the truck’s weight, how it is titled, and whether your farm is a commercial business. DJ Kauffman Agency can help you determine whether […]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[2],"tags":[28,10,20,24,25],"class_list":["post-168","post","type-post","status-publish","format-standard","hentry","category-auto-insurance","tag-auto","tag-dj-kauffman-agency","tag-hutchinson","tag-insurance","tag-ks"],"_links":{"self":[{"href":"https:\/\/www.djkauffmaninsurance.com\/blog\/wp-json\/wp\/v2\/posts\/168","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.djkauffmaninsurance.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.djkauffmaninsurance.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.djkauffmaninsurance.com\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.djkauffmaninsurance.com\/blog\/wp-json\/wp\/v2\/comments?post=168"}],"version-history":[{"count":1,"href":"https:\/\/www.djkauffmaninsurance.com\/blog\/wp-json\/wp\/v2\/posts\/168\/revisions"}],"predecessor-version":[{"id":169,"href":"https:\/\/www.djkauffmaninsurance.com\/blog\/wp-json\/wp\/v2\/posts\/168\/revisions\/169"}],"wp:attachment":[{"href":"https:\/\/www.djkauffmaninsurance.com\/blog\/wp-json\/wp\/v2\/media?parent=168"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.djkauffmaninsurance.com\/blog\/wp-json\/wp\/v2\/categories?post=168"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.djkauffmaninsurance.com\/blog\/wp-json\/wp\/v2\/tags?post=168"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}