Non-Owner Coverage for Lifted Trucks
Non-owner coverage provides liability protection when you occasionally drive a lifted truck you don't own — a friend's rig, a club vehicle, or a borrowed truck for an off-road trip. It fills the gap between the vehicle owner's insurance and your personal coverage.
What it covers
- Bodily injury liability when driving a non-owned lifted truck
- Property damage liability for incidents in a borrowed vehicle
- Secondary coverage when the vehicle owner's policy pays first
- Coverage for occasional use of a friend's, family member's, or club's truck
- Protection when renting lifted trucks or specialty vehicles
- Liability while driving club vehicles at organized events
Who it's for
- Truck enthusiasts who frequently borrow a friend's lifted rig
- Club members who occasionally drive club-owned vehicles
- People who rent specialty or lifted trucks for off-road trips
- Anyone who regularly drives lifted trucks they don't own
Why CCA
- We clarify when your own auto policy extends to borrowed vehicles vs. when you need non-owner
- Non-owner coverage is affordable — fills a real gap at low cost
- We review your typical usage to confirm this is the right coverage vs. being added to the owner's policy
- Quick to bind and easy to carry — protects you without complicating the vehicle owner's coverage
Common questions about non-owner coverage
The vehicle owner's liability policy does extend to permissive users in most cases. But if the owner's liability limits are low or their policy has exclusions for certain drivers, non-owner coverage provides additional protection when you're behind the wheel.
No. Non-owner coverage is liability only — it protects you against claims from third parties. Physical damage to the borrowed truck itself is covered by the vehicle owner's physical damage policy.
It depends on your friend's liability limits and your personal risk tolerance. If your friend has high liability limits and a clean policy, their coverage likely protects you adequately as a permissive user. Non-owner is most valuable when the vehicle owner has minimal coverage or when you borrow frequently.
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.