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Mossy Oak Pro Staff
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Discussion Starter #1
For the lifted guys...when you added your lift and aftermarket wheels, did you inform your insurance company? I'm curious if they said that they would cover the aftermarket parts if a wreck was to occur.

If so, did your rates change any?

Or have you just said screw it, they don't need to know?
 

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Respect mah authoritah!
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Mine doesn't know about mine.
 

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haz 12"s!
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Never told them, but I did ask one about the system and they just said they would cover it if I have the receipts to prove I had it. Nothing changed on the policy or price.
 

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Mossy Oak Pro Staff
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Discussion Starter #6
What if your shit gets stolen? SOL?
 

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i have an extra policy cost me 8 bucks a month. but if i wreck my truck i get all oem parts and all my goodies replaced
 

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For Offroad Use Only
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For the lifted guys...when you added your lift and aftermarket wheels, did you inform your insurance company? I'm curious if they said that they would cover the aftermarket parts if a wreck was to occur.

If so, did your rates change any?

Or have you just said screw it, they don't need to know?
I have first hand experience with this unfortunately.

No, your insurance will not cover the after market parts if your truck is destroyed in an accident. They will only cover the blue book value of it regardless of any aftermarket parts. I have had to deal with this exact issue twice in the past 2 years (once was a county tree falling on my truck, and once was a drunk driver in a MOTORHOME that hit my truck while it was parked), and my insurance tried to screw me both times. However, one thing I did learn, is that you can get your vehicle appraised (like you would a house or jewelery), by an licensed independent auto appraiser, and they will take into account any and all aftermarket parts. They will take a bunch of pictures and generate a complete report with a defined value that you can then give to your insurance company. Then in the event of an accident, with that report, your insurance company will have to cover the appraised cost of the vehicle.

Insurance companies are crooks :imo, they have no problem taking YOUR money, but when they need to give some away....the will find any and all excuses in the book to get out of covering you, regardless of how big or small the issue is. :pissed: :yourself: State Farm...
 

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Mossy Oak Pro Staff
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Discussion Starter #10
That's some great advice about the appraisal. Thanks.
 

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Yeah an appraisal is the best way. THats how my insurance is. Its also considered "custom vehicle insurance" so my insurance will cover anything. Its actually pretty cheap too
 

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After speaking with my insurance company they told me that anything aftermarket on my truck or in my truck is covered under my renters insurance. I thought it was a bit weird but so long as its covered.
 

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Called my company (USAA) after i saw this thread and they said that it was not extra charge or anything but to keep reciepts for everything so if I wreck it I can prove what it cost and get money back for lift and what not.
 

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Candy Corn Harvester...
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i have an extra 7500 bucks (lift, rims, tires, flares, etc.) worth of accessory insurance, it's like 8 bucks more a month, i go thru general casualty. i rolled my last lifted truck, ALWAYS tell your insurance, if they steal it, you will get stock parts....but do what you want

yes insurance companies are fuckin crooks....i rolled my ranger, and it was fucking totalled IMO, here they struck a deal with the body shop and knocked down the shop labor 5 bucks an hour and the that was the reason they didn't total it, it was literally 5 bucks under the line to be totalled, they shop thought they were gonna get 8 grand worth of work, fuck that, write that check to me mf, i stripped it and made more than i bought it for....ha ha fuckers:evil:
 

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I never told my insurance companies on my previous trucks. I got rear-ended once and my insurance company and the other person's insurance company came out to look at my truck. They replaced my bumper and my bumper brackets no questions asked.

I doubt they would cover aftermarket parts though.
 

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Mossy Oak Pro Staff
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Discussion Starter #17
Called my company (USAA) after i saw this thread and they said that it was not extra charge or anything but to keep reciepts for everything so if I wreck it I can prove what it cost and get money back for lift and what not.
I'm glad you did this work for me. I use USAA too. Thanks! :shake:
 

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each company is different, ive got gieco and when my tahoe was totaled they let me take off what i wanted and the rest they covered even though i didnt have it covered since i wasnt aware of it... so when i got my new truck and lifted it i went to get a quote on it and they wanted about 100 bucks more a month, and this was only stating my lift wheels and tires. they said if anything was stolen or wrecked or damaged and such they would only renburce me the factory items cost.
 

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haz 12"s!
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I have first hand experience with this unfortunately.

No, your insurance will not cover the after market parts if your truck is destroyed in an accident. They will only cover the blue book value of it regardless of any aftermarket parts. I have had to deal with this exact issue twice in the past 2 years (once was a county tree falling on my truck, and once was a drunk driver in a MOTORHOME that hit my truck while it was parked), and my insurance tried to screw me both times. However, one thing I did learn, is that you can get your vehicle appraised (like you would a house or jewelery), by an licensed independent auto appraiser, and they will take into account any and all aftermarket parts. They will take a bunch of pictures and generate a complete report with a defined value that you can then give to your insurance company. Then in the event of an accident, with that report, your insurance company will have to cover the appraised cost of the vehicle.

Insurance companies are crooks :imo, they have no problem taking YOUR money, but when they need to give some away....the will find any and all excuses in the book to get out of covering you, regardless of how big or small the issue is. :pissed: :yourself: State Farm...
damn... and I have State Farm too... Thanks for the heads up! Im gonna get that appraisal.
 

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Candy Corn Harvester...
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they said if anything was stolen or wrecked or damaged and such they would only renburce me the factory items cost.
general casualty told me the same thing, 100 bucks a month OUCH!! the joys of being 21 and fucked by the insurance..i remember when i had a new truck and i was 19...286 a month insurance:mad:
 
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