Off-Road Use Rider for Lifted Trucks
The off-road use rider extends your physical damage coverage to trail riding, crawling, and OHV use. Standard personal auto policies exclude off-road incidents entirely. This rider covers the physical damage that happens where you actually take your truck.
What it covers
- Physical damage from trail incidents — rocks, trees, water crossings, and terrain obstacles
- Rollover damage on steep or uneven terrain
- Winching-related damage — truck or attachment points damaged during a recovery
- Undercarriage damage from rock impacts on technical trails
- Frame and suspension damage from hard trail use
- Glass damage from trail debris and brush
Who it's for
- Trail riders who regularly use their lifted truck on unimproved roads and trails
- Rock crawlers who compete or run technical OHV terrain
- Overlanders who take their truck on extended backcountry trips
- Weekend warriors who hit trails occasionally but want coverage when they do
Why CCA
- We write off-road riders designed for actual trail use — not watered-down language full of exclusions
- Our carriers understand that trail damage is mechanical, not negligent — claims are treated fairly
- Coverage works at OHV parks, forest service roads, private land, and competition events
- We explain the exact terrain types and use cases covered before you bind
Common questions about off-road use rider
Physical damage riders extend your own vehicle coverage off-road. Liability coverage for off-road incidents varies significantly by program. We'll confirm exactly what liability, if any, extends to off-road use in your specific policy.
Most off-road riders cover use at designated OHV parks and recreation areas. Competition events may have different requirements. Tell us about your typical use scenarios and we'll make sure the rider language covers them.
Self-recovery damage — using your winch, a Hi-Lift jack, or traction boards in a way that damages your truck — is often covered under off-road riders. This is one of the most common off-road claims and one that standard policies definitely don't cover.
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.