This is your largest exposure for having a claim.
On the farm, autos may include personal as well as farm use vehicles and semi-trucks with trailers. Especially during busy times of the year, like harvest, having heavy vehicles on the road significantly increases the risk of being involved in an accident, and the general public is not always aware of the unique challenges that come with hauling grain. Because of this, some folks prefer having their farm vehicles owned and insured in a separate entity to help mitigate the farm's exposure. Be sure you're educated on the benefits and aware of the consequences surrounding the different options for covering your auto liability risk.
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