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Modified Insurance for Lifted Trucks "HELP"

Discussion in 'Suspension' started by jrmitt808, Apr 9, 2013.

  1. Apr 9, 2013 at 8:04 AM
    #1
    jrmitt808

    jrmitt808 [OP] Well-Known Member

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    JR
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    6" BDS Coil-Over System with Fox 2.5 coil-over Shocks , Wheelers 1/4" Top Plate Spacer, AAL, Total Chaos UCAs, TRD Single Outlet Exhaust, Tint,K&N 63 Series AirCharger High-Flow Intake Kit, All Pro Bumper and rock sliders, 35x12.50r17 BFG KM2 MTs, Spidertraxx 1.25" Spacers all-around, Weather Tech Rain Guards, Weather Tech Bug Shield, Access Tonneau Cover, PIAA, Lightforce Flood Lights.
    Does anyone have insurance that covers their 6" lift? If so, how much did your premium go up? Tried searching on the internet and only get responses from 2010.

    I spoke with my insurance company (GEICO) and I am awaiting approval from them. I still have all my reciepts just in case.

    Any suggestions or information will help. Thanks!
     
  2. Apr 10, 2013 at 8:00 AM
    #2
    Supra TT

    Supra TT Solid Axle FTMFW!!

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    Eric
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    SAS.. Need I say more.
    Why are you insuring a lift kit anyway? What's the point?
     
  3. Apr 10, 2013 at 8:28 AM
    #3
    jhodge83

    jhodge83 Any dog under 50# is a cat and cats are useless... Staff Member

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    wat?
    i dont think he's talking about a plan to cover the lift. i think he's talking about additional coverage to his auto plan to cover the costs of modifications in general.
     
  4. Apr 10, 2013 at 8:30 AM
    #4
    ABA180

    ABA180 It burns when I pee....

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    Kenwood CD, MTX/Jensen amps, Rockford/Polk speakers.
    I believe it cost me about $50 a year to add my stereo (approx value $2000 new).
     
  5. Apr 10, 2013 at 8:39 AM
    #5
    Brunes

    Brunes abides. Staff Member

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    Inside: Tint, Wet Okole 1/2 Piped Red/Black Covers, Black Weathertech Digital Fit Mats, URD Short Throw w/ TWM Weighted Knob, USA Spec iPod adapter. Outside: 4300K Retro w/ Angel Eyes and Red Shrouds, 5000K Blazer Fog Light Retrofit, Debadge, Bed Locking Handle, Satin Black Rims Performance: TRD/Steigmeier Blower w/ 2.7 Pulley. 668 Injectors and 320 LPH AEM Fuel pump. URD UCON and 7th Injector. DTLT Headers, URD Y-Pipe, Wicked Flow Muffler. Suspension: Both: OME Shocks Front: 886X's and TC UCAs Rear: Dakars Armor: Relentless Front Bumper Relentless High Clearance Rear w/ Tire/Rotopax Swing Out Relentless Front, Mid, and TCase skids BAMF Diff Skid Recovery and Spares: Fullsize Spare Tire 2x2 gal Rotopax 1x1 gal Rotopax 1x1 gal Water Rotopax Warn 9.5XP-S Winch Hi-Lift Extreme 60" Ironman Off-Road Recovery Kit Upcoming: ATO Gas Tank Skid and Sliders w/ kickout. ATO Shackle Flip Kit. Down the line: Front/Rear ARB Lockers w/ OBA. 4.56 Gears
    My insurance gives me about $5K in coverage for aftermarket parts. After that amount, have to work with them the schedule the coverage. Usually not too expensive, unless you have other insurance challenges...
     
  6. Apr 10, 2013 at 10:14 AM
    #6
    ABA180

    ABA180 It burns when I pee....

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    Kenwood CD, MTX/Jensen amps, Rockford/Polk speakers.
    This wouldn't be an issue for you, but for me I had to have it inspected as well..mainly to show that the items were bolted in and therefore considered part of it. If they were just loose, I was told they would not pay for it.
     
  7. Apr 10, 2013 at 9:42 PM
    #7
    AaronArf

    AaronArf Well-Known Member

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    Depends on the insurance company. Some only cover bolt ons up to a certain dollar value, some don't cover any and you can't add additional coverage. It's worth taking into consideration when shopping for low rates. All coverages are not equal.
     
  8. Apr 11, 2013 at 4:47 AM
    #8
    jrmitt808

    jrmitt808 [OP] Well-Known Member

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    6" BDS Coil-Over System with Fox 2.5 coil-over Shocks , Wheelers 1/4" Top Plate Spacer, AAL, Total Chaos UCAs, TRD Single Outlet Exhaust, Tint,K&N 63 Series AirCharger High-Flow Intake Kit, All Pro Bumper and rock sliders, 35x12.50r17 BFG KM2 MTs, Spidertraxx 1.25" Spacers all-around, Weather Tech Rain Guards, Weather Tech Bug Shield, Access Tonneau Cover, PIAA, Lightforce Flood Lights.
    Thanks for the responses...I haven't heard back from my insurance company yet.

    Brunes...which insurance company are you with? Overall my add ons add up to around $7,000...but I'll take $5,000.

    Anyone here with Geico?
     
  9. Apr 11, 2013 at 5:00 AM
    #9
    hetkind

    hetkind Well-Known Member

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    bilstein set at 1.75, Racho 5000 rear with 4 leaf kit, floor mats, high lift jack, pull hook in hitch, bed rail corner braces, severe duty brake pads and devil horns on the grill....
    The issue MIGHT be the increased risk of mishap due to suspension modifications. I once tried to issue a HD sportster with a longer front end found that 30 years ago, NO ONE wanted to write insurance for "choppers".
     
  10. Apr 11, 2013 at 8:22 AM
    #10
    AaronArf

    AaronArf Well-Known Member

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    They only ask what the modifications are when you claim something, you have to provide receipts. Some states also have limitations on coverages I believe. I wouldn't volunteer suspension add-ons, I would just say I want coverage for aftermarket parts installed on the vehicle.
     
    Last edited: Apr 11, 2013
  11. Apr 11, 2013 at 9:49 AM
    #11
    Brunes

    Brunes abides. Staff Member

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    USAA. I have to read my policy to see how much the coverage is, but I think it's between 3 and 5 K.
     
  12. Apr 11, 2013 at 9:52 AM
    #12
    BamaToy1997

    BamaToy1997 ASE Master Tech Vendor

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    USAA is the best insurance out there if you are military, or family of military.
     
  13. Apr 11, 2013 at 9:53 AM
    #13
    jrobson

    jrobson Well-Known Member

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    I'm with state farm and they cover this same ammount at no additional cost.
     
  14. Apr 11, 2013 at 7:33 PM
    #14
    jrmitt808

    jrmitt808 [OP] Well-Known Member

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    I have USAA banking...might switch if things don't work with geico
     
  15. Apr 17, 2013 at 10:07 AM
    #15
    jrmitt808

    jrmitt808 [OP] Well-Known Member

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    6" BDS Coil-Over System with Fox 2.5 coil-over Shocks , Wheelers 1/4" Top Plate Spacer, AAL, Total Chaos UCAs, TRD Single Outlet Exhaust, Tint,K&N 63 Series AirCharger High-Flow Intake Kit, All Pro Bumper and rock sliders, 35x12.50r17 BFG KM2 MTs, Spidertraxx 1.25" Spacers all-around, Weather Tech Rain Guards, Weather Tech Bug Shield, Access Tonneau Cover, PIAA, Lightforce Flood Lights.
    Quick update....GEICO was willing to insure it, cost me and extra $60 on my premium for about $7,000 worth of modifications, which is like $10 more a month, in case you don't want to do the math :)
     
  16. May 13, 2013 at 1:49 PM
    #16
    lemons

    lemons LOCO 4X4

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    Nation wide for gave me the meat! I drove up in my Tacoma to talk to them about a 4Runner I just bought and they asked me if my truck was lifted, I said yes and then they said that I have been driving around uninsured for the past five years since I hadn't told them it was lifted. Basically If I would have got into a crash and they came out to look at the damages they would have said to bad we won't cover it because it's lifted. Now I'm fighting with them to get coverage. They are acting like I'm the first person to ever modify a truck, They are such D-bags.
     
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