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Insuring your lifted truck

Discussion in '2nd Gen. Tacomas (2005-2015)' started by bigmooze, Nov 24, 2009.

  1. Nov 24, 2009 at 6:14 PM
    #1
    bigmooze

    bigmooze [OP] Well-Known Member

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    I was told by my insurace broker today that my insurance policy will be void if I lift my truck. I realize that the rules are likely state-/province-specific, but has anyone with a lift of equal to or less than 3" run into this problem?

    I want to install my new 5100's at 2.5" but am reluctant to do so if I lose my insurance coverage. I'm particularly interested in drivers in Ontario, Canada.
     
  2. Nov 24, 2009 at 6:14 PM
    #2
    Incognito

    Incognito μολὼν λαβέ

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    Never heard of that...
     
  3. Nov 24, 2009 at 6:22 PM
    #3
    Brunes

    Brunes abides.

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    I would read the policy over to find out about that.
    They may not cover the parts or whatever...but canceling your coverage is pretty overboard.
     
  4. Nov 24, 2009 at 6:25 PM
    #4
    bigmooze

    bigmooze [OP] Well-Known Member

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    That's what I thought... I'll call her again tomorrow. I'll ask her to show me in the fine print where that clause or sentence is. Seems a little ridiculous, all I'm doing is swapping out the factory shocks and UCAs.
     
  5. Nov 24, 2009 at 6:30 PM
    #5
    carmellocafe

    carmellocafe Begin With The End In Mind.

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    Never heard of this... Sounds like BS. :confused:
     
  6. Nov 24, 2009 at 7:22 PM
    #6
    Toph

    Toph Addicted to V8s

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    After working in a job that involves insurance and agents on a fairly regular basis...I've learned that agents tend to come up with some pretty ridiculous (and incorrect) stuff about what is covered and isn't.
     
  7. Nov 24, 2009 at 7:38 PM
    #7
    topgun155

    topgun155 Well-Known Member

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    No way that s right. The truck isn't any less safe. Maybe just a few extra dollars in parts. That lady probably has just had a bad experience doesn't want to deal with it. Although if the driver isn't careful they can roll it easier.
     
  8. Nov 24, 2009 at 8:29 PM
    #8
    sincitytaco

    sincitytaco Well-Known Member

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    thats socialism/communism for ya. We are welcoming that now here in America as well. People are sheeple.
     
  9. Nov 24, 2009 at 8:31 PM
    #9
    dexterdog

    dexterdog My pee parts itch

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    Must be a Canadian thing. It's probably only okay to lift and modify Zambonis in the Great White North.
     
  10. Nov 24, 2009 at 8:35 PM
    #10
    2009tacomav6

    2009tacomav6 Well-Known Member

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    sounds like it may be time for another insuarnce company
     
  11. Nov 24, 2009 at 9:04 PM
    #11
    JigSaw

    JigSaw Member

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    Actually sounds more like good old fashioned Capitalism. Just good business sense to deny a claim based on that you "modified" the suspension. Unless your modification is SPECIFICALLY included in your policy/contract...the Insurance company can deny to pay a claim..I'm not saying they will...just that they CAN.
    They deny claims all the time.
    You Sue them and maybe goes into litigation for years. they have teams of lawyers that push paper for them for at no extra cost. You may not be able to afford it.

    Check with your agent and ask to see the clause in your policy regarding modifications or specifically, the exclusions. This is your first and best defense
     
  12. Nov 24, 2009 at 9:29 PM
    #12
    sincitytaco

    sincitytaco Well-Known Member

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    LOL are you serious it is corporatism. I am for FREE ENTERPRISE. The society we live in is far from FREE ENTERPRISE. You have to be licensed, bonded, insured, or know who to bride to do anything. Then you are taxed to death going to work for big brother. Why do stupid people keep making the same mistakes time and time again. Hundreds of civilizations have fallen to tyranny this century alone. Why is everyone so arrogant as to thing we aren't next, the writing is all over the walls. Look at all the bills that have been passed since 911 that have trampled and shot holes in our Constitution setting the stage for a collapse.
    Its kinda like people saying they live in a free country that calls itself a democracy, lol. Democracy is the first step toward true Facism/Corporatism/Communism. Give people 2 choices and make them believe there is a difference when both sides are really exactly the same. Anyone who falls for this a moron. Sorry to go on a big rant, but I am frustrated.

    Now to get back on point, get a new insurance company bro. I would not want to be affiliated with that organization.
     
  13. Nov 24, 2009 at 11:59 PM
    #13
    JigSaw

    JigSaw Member

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    Like you said, you call them regularly and update your mods. As long as it is in the writing in your policy that you are covered and there is no fine print or clause giving the insurance company wiggle room to decline a claim based on any of your mods then you are good to go.
     
  14. Nov 25, 2009 at 12:16 AM
    #14
    JigSaw

    JigSaw Member

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    I agree with you. We are not really Free Enterprise. Every time I open a new enterprise someone comes along to hit me for all kinds of fees. If I paint the walls of the building with advertising they want me to pay advertising fees and get it approved by the association...more fees, license fees, they want me to have insurance in case somebody slips and falls or gets hurt, they want me to have a business license, permit fees, inspection fees, fire department fees, taxes to pay for the disposal of garbage even though I take it to the woods myself, taxes to pay for the cops, taxes for the buses, DUDE I have had it with this crap! What the f...!

    What is the point? When I called the cops they were late. When I called the Insurance they weaseled out. When the fire dept came they fined me. When someone complains about my service or merchandise they want their money back or want to sue me. Bunch of horse crap.

    Buyer beware...Caveat Emptor! That is how it should be.
     
  15. Nov 25, 2009 at 12:21 AM
    #15
    sandman427

    sandman427 KR FAB

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  16. Nov 25, 2009 at 12:24 AM
    #16
    blackhawke88

    blackhawke88 wo ai ni bao bei ^_^

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  17. Nov 25, 2009 at 12:25 AM
    #17
    JigSaw

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  18. Nov 25, 2009 at 12:33 AM
    #18
    sandman427

    sandman427 KR FAB

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    ohhh... my bad i read the thread wrong i thought it was for warranty... my buddy had his car jacked before and had got i back but the problem was that his In dash navi and sound system were gone... what a surprise.... he said the insurance DIDNT pay for it.... but then again its gonna depend on the insurer...
     
  19. Nov 25, 2009 at 12:38 AM
    #19
    JimBeam

    JimBeam BECAUSE INTERNETS!! Moderator

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    my insurance company will insure aftermarket add-ons (including a lift) IF those parts arent deemed responsible for whatever collision i may be involved in and IF i can provide a receipt for the item if it needs to be replaced

    unfortunately in my case...many (most) of my parts were bought used and on boards like this...so many dont have "receipts" showing replacement costs

    if i were to wreck the truck i'd be getting most stuff replaced with OEM :(
     
  20. Nov 25, 2009 at 4:40 AM
    #20
    Reaper22

    Reaper22 Well-Known Member

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    Tell yer insurance man to take a hike and go elsewhere. He's an idiot....
     
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