Agreed Value Coverage for Lifted Trucks
Agreed value coverage locks in the insured amount of your lifted truck upfront — no depreciation deductions, no stock book value arguments at claim time. We document every modification, establish the total build value, and commit to paying that full amount on a total loss.
What it covers
- Total loss payout at the full agreed amount — no depreciation
- Coverage reflecting both stock vehicle value and documented modification costs
- Theft claim payment at agreed value, not wholesale salvage price
- Flood, fire, and comprehensive total loss at the agreed insured amount
- All modifications listed in the policy schedule are covered in the agreed value
- Annual review option to update agreed value as your build evolves
Who it's for
- Lifted truck owners with $5,000+ in modifications
- Show truck builders whose build value exceeds stock book value
- Truck owners with loan balances on heavily modified vehicles
- Enthusiasts who've spent years building a truck they couldn't replace at book value
Why CCA
- We know how to document a build correctly — so the agreed value reflects your actual investment
- Our specialty carriers are experienced with agreed value settlements — no denial patterns
- We review and update your agreed value when you add significant new mods
- You get a modification schedule as part of your policy documents — your build, your proof
Common questions about agreed value coverage
Agreed value is a firm commitment to pay the stated amount on a total loss — your insurer cannot reduce the payout based on depreciation or market conditions. Stated value allows the insurer to pay the lesser of the stated amount or actual cash value. For a modified truck, agreed value is significantly stronger protection.
That's why the modification schedule in your policy matters. At inception, we document every mod with descriptions and values. That schedule is the authoritative reference at claim time — not what an adjuster thinks your lift kit is worth.
Yes. Call us when you complete significant additions. We'll update the modification schedule and adjust your agreed value accordingly. Waiting until renewal means any new mods aren't covered at their full value until you've updated the policy.
Yes. Contractors Choice Agency is licensed in all 50 states and actively writes lifted and modified vehicle programs nationwide.
Contact your carrier's claims department directly using the number on your policy documents, or call us at 844-967-5247. We respond to claim contacts within 2 hours during business hours.
Many of our carrier partners offer monthly payment plans. We'll present payment options with your quote so you can choose what works for your budget.
NPN 8608479 is the National Producer Number for Contractors Choice Agency. You can verify our license at the NIPR website.
Call or email us. Adding modifications mid-term is important — your agreed value should reflect your current build. We update your policy and reissue documentation.
Yes. We have relationships with specialty carriers who understand modified vehicles. We match your build profile to the carrier best suited to write it.
Contractors Choice Agency is located at 12220 E Riggs Road, Suite #105, Chandler, AZ 85249. We serve clients nationally by phone and email.
Monday through Friday, 8am to 5pm Mountain Standard Time. Quote requests can be submitted online at any time.
Yes. Once your policy is bound, we issue your certificate of insurance or policy documents immediately — same day in most cases.
Additional named insureds can be added to your policy. We'll need their driver's license and driving record information.
Yes. Collector, show-only, and garage queen trucks have specific programs designed for limited-use high-value vehicles. Tell us about your usage pattern when you request a quote.
Comprehensive-only policies can cover stored vehicles against non-collision perils (fire, theft, weather) at lower cost during build periods. We'll write coverage that matches your actual situation.
Like all auto insurance, your MVR affects your premium. A clean record gets better rates; prior violations or accidents increase premiums. We shop multiple carriers to find the best rate for your specific record.
Possibly, depending on your insurer. Specialty auto programs sometimes exist separately from homeowners markets. We'll check for bundling options that actually save you money rather than forcing you into a standard auto program.
Pair it with related coverage
Get a Lifted Truck Insurance Quote
Agreed value, custom parts, and off-road coverage — quoted fast from specialty carriers.