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  1. #1

    Default Insurance and lift kits

    Just some friendly information for those looking to go high with lifts.......some auto insurance companies limit the amount of lift you can have and still get insurance to 6". Just thought I'd throw that fact out there. If you don't tell them about the lift you can still get insurance, but the cost of the lift wouldn't be covered in the event of a claim.

  2. #2

    Default

    I was also told that I was covered up to and including a 6" lift. I also believe they said that if its higher the cost would increase some. Probably in the collision area of the policy but not sure.




    2011 Silverado CrewCab 5.3L*Ram Air Look Cowl Induction Reflexxion Hood*6" Pro Comp Lift*Flowmaster Dual exhaust*Perfect Launch Rear Diff. Cover*Led Smoke Taillights*L.E.D.Smoke 3rd Brakelight*60" L.E.D. Tailgate Bar*Rearview Mirror Reverse Camera and Sensors*Smoke Headlight Covers*Front Bumper Grill Insert*Deezee Black Alum. Diamond Rail covers*20" Ultra Motorsports Rims wrapped with 35.5"B.F. Goodrich Tires*Inchannel Raingaurds*CAI*Bullydog GT Tuner*Alpine Amp*Boss 6x9's*Boston Acoustic Subs*Terrantula Tweeters*Custom Sub box*Red Led Interior Accents*5% Ultimacool duo tint rear window and doors, 20% front doors*Custom Vinyl Graphics*Demolded*Debadged*Painted drums and calipers*
    Future Mods Include: Custom Interior Hydrographics, Electronic Rollup Toneau Cover, 4.56 Gears, Painted rear bumper

  3. #3

    Default

    Something to consider when deciding not to tell the insurance company is that even though your insurance premiums are paid up if you dont tell them you've modified the vehicle and get in an accident you could be denied coverage on the accident if it can be shown the lift was influential in contributing to the accident or damage resulting from it.

  4. #4

    Default

    Quote Originally Posted by tbplus10 View Post
    Something to consider when deciding not to tell the insurance company is that even though your insurance premiums are paid up if you dont tell them you've modified the vehicle and get in an accident you could be denied coverage on the accident if it can be shown the lift was influential in contributing to the accident or damage resulting from it.
    Absolutely correct. And I'm not advocating excluding any information when applying for insurance.


    - Phantom - up to and including 6" is usually fine, and yes it can increase with more lift, but they can also deny the policy due to modifications. Modifications can alter the corresponding symbols for the vehicle and change the premium OR make the vehicle "un-insurable" altogether.

  5. #5

    Default

    I never even thought about bringing this up with my insurance company. I will have to look into this in the morning! Thanks.

    2012 Chevrolet Silverado 5.3L Crew Cab Z71
    Future Mods: Stainless Works long tube headers, cat-back exhaust, Dual Halo/HID headlights, LED tail lights, N-Fab nerf bars, De-badge/De-mold, RBP Grille, Front & Rear FOX shocks

  6. #6
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    Default

    It's not just your truck It's the fact that Driving OVER some little thing (Rice Rocket) in front of you might do more Damage to their car and the person inside then if you had a bumper at Stock height.
    08 Z71 Avalanche Mods to date: K&N CAI,Hellwig Swaybars and End Links, Corsa Sport Exhaust, Superchips Programer,IPCW LOF & 3rd brake light and tails, AMI Gas door,Show Hooks and Door locks, Enkei Wheels, with Pirelli tires, StreetScene Bowties, Grant Steering wheel,Muth signal mirrors,SSBC Big Brake kit,Huskyliner Mug gards,Floor mats and Hood shield, McGard Lug nuts and locks, Bedrug, Cervini's Ram Air hood,35watt HID Fog lights, Sylvania bulbs all around ZXE's Highs and Lows, WhiteNight Back up lights,Sirius and HD Radio, SnugTop sitting on deck now Got a Softopper on now,Tempress Boat Hatches.... New Bilstein shocks are on... New Mods coming soon..... X

  7. #7

    Default

    Quote Originally Posted by BlancoJustin View Post
    I never even thought about bringing this up with my insurance company. I will have to look into this in the morning! Thanks.
    I am a strong advocate for bringing any/all modifications you make to your insurance company to make sure it's insured. I do exactly that, myself -- because the last thing I want is for a deer hit to 'total' my truck and my mods be treated as worthless and result in no reimbursement.

    Yes it raises your premium, but what you're buying is peace of mind...

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