Insuring a rollback for personal use????

DannyH

DannyH

smokey burnouts
Joined
Jan 10, 2014
Location
Stanfield, NC
Maybe someone can possibly shine some light on this situation. I just bought a 1983 f350 rollback that I hope to have running and driving sometime this year. Before I go calling the insurance company about insuring it, I wanted to see if anyone had any info about what to do. I DO NOT want to do any wrecker work. Mainly just want to haul tractors and other junk cars around for myself. Can I just get regular insurance on the roll back? Should I even let the insurance company know it’s a roll back since the title basically states it’s an unfinished F350? For all they know it’s a service body. Do I need one of those beautiful “not for hire” stickers on the side?
C85E67A5-A0C5-403A-92CA-52778303D418.jpeg
 
83oldyoda4x4 said:
From the back ground id vote, farm truck tag/insurance.
Click to expand...
No I don’t actually have a agricultural number. We have a few pieces of equipment but don’t do any farming.
 
DannyH said:
No I don’t actually have a agricultural number. We have a few pieces of equipment but don’t do any farming.
Click to expand...
How much land do you have in production? 10 contiguous acres in production qualifies you. You don't have to be the farmer, just own the land.
 
When I insured my Ambulance, I tried first through my regular Nationwide Agent..... I ran her ragged trying to figure it out, she tried all her underwriters, and the only thing she could come up with that wasn't commercial was Haggerty, which actually wasn't to bad in cost, but then when they found out my Son, still living at home, had a reckless driving they rejected it too.

Then I just went to Progressive, just put in the Chevy incomplete vehicle VIN number, and Bam! I had insurance..... (Note I had also tried Geico, Nationwide, and State Farm the same way, and the web sites all choked on the VIN)...
 
I've never had any issue insuring trucks like this through farm bureau, 1stgenxxx jeff just had a hell of a time with his insurance and a r3500 gm dump truck recently. Just tell them it's an f350 don't say anything about the bed and go from there.
Also farm tags technically don't require anything but you to sign a piece of paper at the tag office...
 
I had a 1986ish Ford F6000 Bucket Truck that was no issue to insure through Allstate back in 2015ish by just giving them the VIN and saying it was a truck.

Late last year I bought a 2017 Ram 5500, and Allstate wouldn't insure it unless it was on a commercial policy, and they would not create a commercial policy without a legit business liability policy. I called State Farm and they were more than happy to write a Commercial Policy for Personal use. Allstate was about $350/year for my 2012 F250 liability and comprehensive, and State Farm is $560/year for the 2017 5500 on a commercial policy with liability, comprehensive, and collision with $1000 deductible.
 
Good info, thanks everyone. So try running it by with them thinking it’s a regular ole’ 83 f350. If that doesn’t work open a “farm” with a little acreage and get a farm tag.
The farm deal would also make my life easier when it comes to building structures. I didn’t realize it was that simple.
 
Farm tag is just cheaper for weighted tags, mainly do not use for hire and Primary use is for farm. For the insurance, there is also farm insurance policy. I don't remember the restrictions or savings over a regular policy, it's been so long. Id just tell them it was an f350.

Not sure who you have insurance with but farm bureau is normally good to work with.
 
DannyH said:
Good info, thanks everyone. So try running it by with them thinking it’s a regular ole’ 83 f350. If that doesn’t work open a “farm” with a little acreage and get a farm tag.
The farm deal would also make my life easier when it comes to building structures. I didn’t realize it was that simple.
Click to expand...
Not that simple with structures, but yes, go down that route if you can. Gaston county wouldn't let me have a "farm" because I didn't have 10 cleared acres, but they still let me get a "farm building exception" or something like that through the zoning department.
 
jeepinmatt said:
Not that simple with structures, but yes, go down that route if you can. Gaston county wouldn't let me have a "farm" because I didn't have 10 cleared acres, but they still let me get a "farm building exception" or something like that through the zoning department.
Click to expand...
tree farms are farm.
organic mushrooms need shade to grow and are a recognized crop.
You just need to be more creative
 
Ron said:
tree farms are farm.
organic mushrooms need shade to grow and are a recognized crop.
You just need to be more creative
Click to expand...
A buddy down the road has a "hay farm". It's too bad he isn't a very good farmer and his crop is always poorly grown, so he can't find any buyers and never makes any profit. But the tractor thats been parked in the front for 5 years and sign sure makes it convincing.
 
Ron said:
tree farms are farm.
organic mushrooms need shade to grow and are a recognized crop.
You just need to be more creative
Click to expand...
No, tree farms are either forestry (20 acres) or botany (5 acres, but tax deference only applies to acreage clearly engaged in the practice). I tried. I even tried the farm "crop" being firewood. Guy at the tax office was not hearing it. Best solution seems to be buy more land :D
 
jeepinmatt said:
No, tree farms are either forestry (20 acres) or botany (5 acres, but tax deference only applies to acreage clearly engaged in the practice). I tried. I even tried the farm "crop" being firewood. Guy at the tax office was not hearing it. Best solution seems to be buy more land :D
Click to expand...
you still arent creative enough.
A NC registered forester can write you a prescriptive plan and explain why your acreage is not only suitable but preferential...
 
Ron said:
you still arent creative enough.
A NC registered forester can write you a prescriptive plan and explain why your acreage is not only suitable but preferential...
Click to expand...
jeepinmatt said:
forestry (20 acres)
Click to expand...
I have 18 acres. I guess I'm not creative enough at math.
 
jeepinmatt said:
I have 18 acres. I guess I'm not creative enough at math.
Click to expand...
all im saying is it has been and is currently being done in Gaston County... ;)
 
Ron said:
all im saying is it has been and is currently being done in Gaston County... ;)
Click to expand...
Neighbors land is farm differed, 35 acres that was clear cut about 4 years ago its all grown up and all they do is deer hunt on it.


Also there is a difference in land use deferred property tax and just getting a farm truck tag and insurance. You can get the tag without proving anything.
 
jeepinmatt said:
Late last year I bought a 2017 Ram 5500, and Allstate wouldn't insure it unless it was on a commercial policy, and they would not create a commercial policy without a legit business liability policy. I called State Farm and they were more than happy to write a Commercial Policy for Personal use. Allstate was about $350/year for my 2012 F250 liability and comprehensive, and State Farm is $560/year for the 2017 5500 on a commercial policy with liability, comprehensive, and collision with $1000 deductible.
Click to expand...

Farm Bureau put my 93 Dodge truck with a flat bed on a commercial policy for me. I called to add it to my regular auto policy and when they saw it had a flat bed they made separate commercial policy.

Duane
 
Ron said:
you still arent creative enough.
A NC registered forester can write you a prescriptive plan and explain why your acreage is not only suitable but preferential...
Click to expand...

You have to gross 10k a year in farm sales in nc and have a bonafide legitimate working farm, they ain't dumb. That being said, to get a farm tag none of that matters, you just have to sign a form at the tag office saying you're a farmer. No one ever uses them legally anyway--all use must be directly farm related and only allowed to go 150 miles from the "farm". I've never known anyone that's been hassled about it though
 
Last edited:
braxton357 said:
You have to gross 10k a year in farm sales in nc and have a bonafide legitimate working farm, they ain't dumb.
Click to expand...
That's for farm sales tax exempt. For farm use deferred property taxes, its a min of 10 acres and You only need produce $100 per acre of "product" and you don't have to sell it. So for us some of the land we have we only cut for hay and feed our cows. we just have to record how much hay we get each year off the land in case they audit you.

For the farm tag, i think the 150 miles from farm is only for the CDL exemptions.
 
Last edited:
braxton357 said:
You have to gross 10k a year in farm sales in nc and have a bonafide legitimate working farm, they ain't dumb. That being said, to get a farm tag none of that matters, you just have to sign a form at the tag office saying you're a farmer. No one ever uses them legally anyway--all use must be directly farm related and only allowed to go 50 miles from the "farm". I've never known anyone that's been hassled about it though
Click to expand...
This is what I’m worried about, there’s a possibility I may actually throw some money at the rig and make a crawler hauler for a camper and the rig. So interstate travel is a possibility.
 
DannyH said:
This is what I’m worried about, there’s a possibility I may actually throw some money at the rig and make a crawler hauler for a camper and the rig. So interstate travel is a possibility.
Click to expand...
But until then get a farm tag, maybe even grow a few christmas trees and get a tax credit. It's all out there waiting to be abused.
 
I'm looking at buying a chebby flat bed. Will get a farm tag due to our poultry farm, at which we sell eggs and feathers.
 
Back
Top