We specialize in auto and truck solutions, including 4×4 lifted truck insurance.
Insurance for lifted trucks.
Suppose you already own a lifted truck or plan on adding a lift kit to your vehicle in the future. In that case, you already know or will learn that insurance for lifted pickup trucks can be a tricky situation, especially in the case of an accident or injury claim. The question remains: will standard auto insurance cover lifted pickup trucks?
Many insurance companies do not cover any additional costs when it comes to damaged lift kits without a proper policy endorsement. Costs associated with non-endorsed or aftermarket parts, like a suspension lift, for example, are the sole responsibility of the truck owner. Your policy may not have the coverage required to pay for damaged parts on lift kits. Although lift kits can be covered indirectly if the insurance adjustor and body shop owner are willing to negotiate repair estimates and labor costs. However, you are walking a thin line on top of a gray area if this is your plan.
Insurance for modified trucks.
Auto insurance policies for comprehensive and collision coverage are modeled to repair a vehicle to its pre-loss condition. In other words, like it was before the loss occurred in the auto accident or other covered incident.
When you purchase auto insurance coverage, the insurer usually asks if the vehicle has been modified at all. If a vehicle is modified, the modifications increase the costs associated with repair and replacement value. Therefore, the insurance company would need to charge more to provide coverage for modified trucks. Additional coverage is known as a policy endorsement. Policy endorsements can cover costly entertainment systems, customized wheels, specialized paint, and suspension lift kits.
Frequently Asked Questions
Who will insure a lifted truck?
Most insurance carriers will not offer any coverage on lifted trucks or modified vehicles. Working with an agent that specializes in lifted and modified vehicles is important in the event of a claim.
Does a lift kit void insurance?
A lift kit may void insurance. Still, you need to let your insurance provider know of any modifications, including lift kits, so that you can obtain a proper policy endorsement and have adequate coverage. If you do not inform your insurance company of modifications, including lift kits, you risk not having adequate coverage. There is also a chance that damage done to parts of the vehicle could be blamed on modifications if the insurance company is unaware of the modifications in advance of the claim.
Do lifted trucks cost more to insure?
The short answer is yes. Essentially, any modifications done on a vehicle will ultimately increase the vehicle’s value. Therefore, your insurance will likely be more expensive when you have modifications done. Changes, including lift kits, need a policy endorsement on top of regular auto insurance to be covered.
The key takeaways.
It is essential to be informed if your hard work on modifications and lift kits on your truck is covered under your auto insurance policy. Your 4×4 lifted truck may not be fully insured by your standard auto insurance policy. We can find a plan for full after-market coverage. Call us today!
4x4 FAQ
How do I ensure my lifted truck's modifications are fully covered by insurance?
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To fully cover your lifted truck’s modifications, you must add a Custom Parts and Equipment (CPE) endorsement or secure an Agreed Value policy rather than a standard Actual Cash Value (ACV) policy. Standard auto insurance policies typically limit payouts for aftermarket parts to $1,000 or exclude them entirely unless they are explicitly scheduled on your policy.
What specific lifted truck modifications need to be reported to my insurance agent?
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You must report any aftermarket changes that alter the vehicle’s height, performance, or value, including:
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Suspension lift kits, body lifts, and leveling kits.
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Oversized off-road tires and custom wheels.
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Upgraded bumpers, winches, grille guards, and aftermarket LED lighting.
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Performance modifications like custom exhaust systems, superchargers, or re-gearing.
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Will a lift kit void my auto insurance policy in Virginia?
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A lift kit will not automatically void your auto insurance policy, but failing to disclose it can result in a denied claim or policy cancellation. Insurance companies assess risk based on factory specifications; a lifted suspension changes the vehicle’s center of gravity and handling, which must be approved by your underwriter.
What is the difference between Actual Cash Value and Agreed Value for a custom 4x4?
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Actual Cash Value (ACV) pays out the market value of a factory-model truck minus depreciation, ignoring your modifications. Agreed Value is a specialized coverage where you and the insurer agree on a set payout amount based on a professional appraisal of the truck and all its custom modifications combined.
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