Physical Damage for Lifted Trucks
Physical damage coverage for lifted trucks — collision and comprehensive — at the stated or agreed value of your full build. We insure your truck's complete configuration including suspension, wheels, tires, and all mounted accessories, not the stock equivalent.
What it covers
- Collision damage from accidents with other vehicles, objects, or rollover
- Comprehensive — theft, fire, hail, flood, vandalism, and falling objects
- Suspension and lift components as part of your insured vehicle value
- Aftermarket wheels and tires at replacement cost when included in agreed value
- Towing costs after a covered loss
- Rental reimbursement during covered repair periods
Who it's for
- Lifted truck owners with significant build investment who need full-value coverage
- Truck owners with active loans requiring collision coverage
- Enthusiasts whose modified truck is worth more than a standard insurer would pay
- Show truck and trail rig owners who need their build insured at its actual value
Why CCA
- Physical damage at agreed value — we cover what the truck is actually worth, not stock book
- Modification schedule documents your parts so there's no dispute at claim time
- Specialty carriers who understand lifted trucks and pay claims without modification arguments
- We pair physical damage with the right riders for how you use your truck
Common questions about physical damage
Under an agreed value policy, your truck is insured at the documented value we establish at inception — stock value plus modifications. Under ACV, the insurer determines current market value at the time of loss, which may or may not reflect your mods.
Under an agreed value policy where the lift kit is documented, yes — it's part of the insured vehicle value. Under a standard ACV policy, the lift kit may or may not be included depending on your carrier and how the claim adjuster values the vehicle.
Higher deductibles lower premiums but increase out-of-pocket costs. For a high-value modified truck, a $1,000–$2,500 deductible is common. Choose a deductible you can actually pay without disrupting your finances after a loss.
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.