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AAA won’t cover a lifted truck!!!

Discussion in 'Exploring everything under the sun!!' started by adarkang, August 31, 2006.

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  1. adarkang

    adarkang Active Member

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    City, State:
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    Year, Model & Trim Level:
    2000 Eddie Bauer
    Well I went to my AAA agent yesterday and I took pictures of my truck because I wanted to know if they will still provide me with the full coverage that I have been paying for 6 months after I put the 5” RCD suspension lift on. Well the lady said they will not even cover my vehicle with liability since the suspension has been altered and the ride height has been changed! She told me they will cover me for 25 more days and I have to find a different insurance company.

    1)Is she lying to me?
    2)What insurance company do you guys have for your lifted daily drivers?
    3)Will I find an insurance company that will fully cover my lifted truck?
    4)Is liability my only option?
     
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  3. Hartman

    Hartman Explorer Addict

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    City, State:
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    First mistake was telling them that your truck was lifted....
     
  4. Maniak

    Maniak Moderator-Stock 91-94 Staff Member Moderator Elite Explorer

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    City, State:
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    When I last switched our insurance I got that same message from Farmers (that was 5+ years ago). I went with State Farm and they don't care that it is lifted.

    I didn't even know AAA sold insurance. I only have their roadside thing and that has paid for itself many times. I had them tow me 116 miles in Ca. when I snapped a transfer case chain. I paid for the last 16 @ $96 and they paid the $600 part.

    ~Mark
     
  5. adarkang

    adarkang Active Member

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    2000 Eddie Bauer
    So if I had'nt told them it was lifted, would they have covered the liability portion if there was a lawsuit?
     
  6. hiridin

    hiridin Active Member

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    City, State:
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    Year, Model & Trim Level:
    1998 ford explorer 4x4
    my insurance company dropped me as soon as they saw my truck when i went to pay... was with them since for 6 yrs with a perfect record. they let me go just like that. only place that would cover me without being absolutely rediciously priced was liberty mutual. progressive would too for $300 a month but thats just crazy. i've got all my custom work completely covered along with everything in my truck. that was my only option. no other insurance company would even considere me. i was a liability... but u shouldn't have as hard of a time since most places won't cover a vehicle with over 12" of lift total and i'm a good ways past it. yours is well under. anyways thats what almost all of them told me. that and yours is an off the shelf lift mine is completely custom. i really don't see why they dropped u at all. and u shouldn't have a hard time finding someone to cover u.
     
    Last edited: August 31, 2006
  7. Gay-briel

    Gay-briel Active Member

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    City, State:
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    mine still doesnt know mine is lifted, i guess they will find out if i get in an accident
     
  8. dr_starcraft

    dr_starcraft Active Member

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    City, State:
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    Year, Model & Trim Level:
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    What makes it worse is that he is from Michigan...

    No-fault insurance can eat my @ss.
     
  9. Burns

    Burns Elite Explorer Moderator Emeritus

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    mine knew mine was lifted and i had a accident and they covered it all because it was not my fault. however they dont know it is sas
     
  10. Brian1

    Brian1 Elite Explorer

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    City, State:
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    Year, Model & Trim Level:
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    Callsign:
    KG5BAQ
    Insurance with lifted vehicles is a crap shoot. I havent been able to find anyone to insure my modified Jeep. My Familys state farm agent wouldnt do it and I even got a letter from the underwriter that said they couldnt do it because it was modified and yet a friend has a full on Jeep competition buggy insured through State Farm no problem in a town 1hr away.
     
  11. spindlecone

    spindlecone B

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    The above insurance woes, are most likely due to your being young.
    The rollover factor is far greater for lifted trucks, than non-lifted trucks.
    Insurance companys know this.
    When i bought my Roush, I just called allstate, have been with them for 35 yrs.told them i bought a mustang, no problem.
    Unless they ask about your mods, or in reading your policy (look for discalimers about modded vehicals) if there are none, is there problem, not yours, your covered.
     
  12. spindlecone

    spindlecone B

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  13. adarkang

    adarkang Active Member

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    Thanks for all the insight, I think I will start looking around and reading all the policies. My best bet is to find a company that does not mention anything about modded vehicles.
     
  14. UtahX

    UtahX Well-Known Member

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    2000 Explorer XLT
    Yes, shop around and hopefully they do not have to see the vehicle.
     
  15. '97 V8

    '97 V8 Well-Known Member

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    Cincinatti insurance company. They cover my mountaineer both ways fully, and they cover my mods. No problem with them ever.
     
  16. dgibson

    dgibson Elite Explorer<br>ECX member

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    City, State:
    virginia beach, va (originally from AR, go Hogs)
    Year, Model & Trim Level:
    93 xlt
    i had state farm the entire time that i had my x, from stock to 31's to 35's and 9" of lift. they knew it but didn't care.
     
  17. Positive Vibes

    Positive Vibes Elite Explorer

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    My State Farm has no issues with my lifted X.
     
  18. Jason94sport

    Jason94sport Well-Known Member

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    Wow, I didn't know insurance was like that. My insurance co is fine with my X. Granted it's not lifted much. I had to have it inspected. Didn't seem to care. I had progressive before & they also didn't care. I don't have any of the mods covered, but I do carry full insurance.
     
  19. dgibson

    dgibson Elite Explorer<br>ECX member

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    the whole catch is that your insurance company more than likely won't pay for any mods only for the items to return it to factory condition
     
  20. Steddie Eddie

    Steddie Eddie New Member

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    I have nationwide and they NEVER look at the cars I want to insure. I just call and give them a VIN and we're good to go! I hardly ever go to see an agent about anything and when I do it always seems to be a pain in the neck.

    My advice is to call the local office and see if they can do it oveer the phone. If you have to go in, drive a stock car and don't mention a lift on your X. Most companies won't cover aftermarket part reoplacements anyway. That is up to you and your Bodyshop/mechanic at the time of repair.

    Most of the cars I've had were suspension modded. With the sad exception of my explorer, it is stock.
     
  21. Jason94sport

    Jason94sport Well-Known Member

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    The insurance co's I've used only wanted to see or inspect the car if it had full coverage. Just liabilty they didn't care & can be done over the net or phone.
     

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