Is Farm Use Included in Your Auto Insurance Policy in Virginia?

If you’re located in Louisa, VA, and you own or operate a farm, you may be curious about the auto insurance policies you hold and what they currently cover. For those who spend significant time working on a farm, it’s essential to know whether farm usage is included in your current auto insurance policy. At The Pivotal Insurance Agency LLC in Louisa, we’re here to guide you through the process of finding auto insurance policies that align with your lifestyle and provide the farm use coverage you need.

Farm Use Vehicles vs. Standard Vehicles

In Virginia, it’s required by law to obtain and maintain liability insurance, even for farm use vehicles that are unregistered (such as SUVs and pickups). You must also carry personal injury and property damage liability through one of the following:

• Your standard auto insurance policy
• Your existing umbrella or excess liability policy
• A general liability or farm-owner policy

Registration and Insurance Requirements

Virginia has an F-tag system that offers discounted registration options for farm vehicles. However, this does not replace traditional listing requirements. Drivers must certify coverage, display DMV-issued farm placards, and carry insurance to operate farm-use vehicles. Keep in mind that if a farm use vehicle is not listed on a personal auto policy, it may not be covered for everyday liability incidents.

Whether you work on an animal farm or grow and sell food, knowing if your auto insurance policy includes farm use is essential before using your vehicle in a rural or commercial setting. The right insurance policy can make all the difference, especially when it comes time to file a claim after an accident or incident. To learn more about your existing auto insurance policy and determine if farm use is included, contact The Pivotal Insurance Agency LLC today.