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  • Suspension lifts and Insurance

    I have a 2000 TJ and I would like to lift it. I have 265's on stock wheels. It lifted it some much not enough. I have concerns about my insurance company though, because this is a daily driver. Is there an insurance company that ya'll know of that doesn't charge an arm and a leg for a lifted TJ.

  • #2
    My insurance company knows mine is lifted, and has not changed my rates.

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    • #3
      mine never asked

      -Lou

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      • #4
        Originally posted by bigtj99
        mine never asked

        -Lou
        +1

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        • #5
          Originally posted by bigtj99
          mine never asked

          -Lou
          Thats all well and good, but, are you covered?

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          • #6
            my jeep has full coverage, with a million dollar umbrella. What exactly are you asking by "are you covered" ?

            my jeep is covered. individual suspention components... no. but i dont think anyone's is.

            -Lou

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            • #7
              What he's asking (are you covered?) is...
              if you have an accident, and they determine that your Jeep is lifted, will they then deny you coverage - both for the Jeep and the accident - or will they continue to underwrite it.
              Some places/states/companies are really sticky about that.
              Lifting a vehicle above mfrs stock height could be argued to make the vehicle unsafe (imagine you're an attorney for a moment) and that by your actions you created an unsafe vehicle without telling them... so the liability becomes yours, not theirs.

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              • #8
                I talked to my insurance agent about the lift and he just wants pictures as evidence if anything ever happens after the lift. My neighbors 4" lifted tj was just involved in an accident and his insurance company had a record of everything and made sure to replace every part with the same brand.

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                • #9
                  Before I have done any mods to my Jeep I have called my insurance agent to clear the mods first. Finding out after an accident that I won't be insured is irresponsible in my opinion. To date my rates have not gone up and all my mods are covered as long as I have a receipt to show what mods I put on.

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                  • #10
                    I read a post not too long ago (forget what forum) where some guy got into a terrible accident and since his vehicle was lifted without his insurance company knowing so they refused to cover any costs...

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                    • #11
                      I am using farmers and have a 15,000$ rider added to my jeep's policy, that has only added 75$ a year to my bill. Farmers has a section for custom vehicles. They know mine is lifted and all of the work I have done to it.

                      P.S. you might want to inquire about off-road insurance as well. This little rider covers recovery costs of your vehicle, something you might need if you roll it on federal lands. The U.S. Forest service doesn't mess around, they are known to just call the U.S. Army Corps of Engineers to remove your vehicle.

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                      • #12
                        Originally posted by tomsjeep
                        What he's asking (are you covered?) is...
                        if you have an accident, and they determine that your Jeep is lifted, will they then deny you coverage - both for the Jeep and the accident - or will they continue to underwrite it.
                        Some places/states/companies are really sticky about that.
                        Lifting a vehicle above mfrs stock height could be argued to make the vehicle unsafe (imagine you're an attorney for a moment) and that by your actions you created an unsafe vehicle without telling them... so the liability becomes yours, not theirs.
                        Thanks Tom, That was exactly what I was asking. My insurance company know that mine is lifted, and have no issues with it. I wouldn't want anyone to assume that it was the same with all companies or states. Bob.

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