Liability Coverage for Lifted Trucks
Auto liability coverage protects you when your lifted truck causes bodily injury or property damage to others. We write liability limits appropriate for a modified vehicle and ensure your coverage reflects the actual risk profile of a lifted 4x4.
What it covers
- Bodily injury liability — medical expenses, lost wages, and pain-and-suffering claims
- Property damage liability — damage to other vehicles, structures, or property
- Legal defense costs for covered liability claims
- Uninsured/underinsured motorist coverage for protection when the other driver is at fault
- Medical payments coverage for occupants of your truck
- Liability covering the truck in standard operating conditions on public roads
Who it's for
- All lifted truck owners who operate their vehicle on public roads
- Truck owners who want liability limits above state minimums
- Enthusiasts concerned about the higher damage potential of a heavier, lifted vehicle
- Truck owners with assets to protect who need meaningful liability limits
Why CCA
- We recommend liability limits that match the actual risk profile of your vehicle
- Lifted trucks can cause more damage in a collision — we write limits that reflect that
- Liability pairs with your physical damage and custom parts coverage for a complete program
- We make sure all regular drivers of your truck are properly listed
Common questions about liability coverage
Lifted trucks are heavier and sit higher, which can affect collision dynamics and increase damage to smaller vehicles. While this doesn't necessarily mean your premiums are drastically higher, it's a reason to carry liability limits above state minimums.
State minimums are often inadequate for the assets most truck owners have to protect. We commonly recommend $100,000/$300,000 bodily injury and $100,000 property damage at minimum, with an umbrella policy for higher net-worth individuals.
Liability coverage under standard personal auto typically covers on-road use. Off-road liability is usually excluded. If you need liability coverage for off-road use, we can check for program options that extend liability to OHV use.
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.