i am currently with state farm, and they are the people that told me they wont cover me with mods. all i want is the liability coverage just in case i kill someone on the road, state farm wont deny me coverage. is it too much to ask for a 6 inch lift with 35 inch tires. Im soooo pissed off. i shoud move to the states where insurance companies dont give a ****.

 

here in NS, if you modify the suspension, you have to get a special inspection every year (I think it is every year) to ensure thatteh suspension geometry is not effed up so the vehicle will perform as good as or better than the OEM in an emegency situation.

 

I think I found a no- name broker in berrie ont. That might cover me. I guess they have to send all of my information to a third party insurance and get it approved before they can insure me. What a stupid process. I hope my rate doesn't double. Thanks for all your help guys.

 

You can thank some of the nitwit's that jack up their truck and run oversized mud tires on the highway then roll it over because they can't drive worth a crap. It won't take an insurance adjuster that see's this happen on a regular basis deny coverage for this vehicle. More and more insurance companies are starting to deny coverage for a vehicle that's modified for off road use and not what they or the manufacturer term's as being roadworthy. Too many mod's to the suspension, wheel's and tires etc. may get you in trouble with your insurance carrier. As usual the good have to suffer for the bad.

 

i got a quote from one of the brokers that i have found to cover mods. i would be paying $140 a month fo the 2009 fx4, and with the mods it will be $340 a month. that is the most ridiculous price i have ever heard of. there is no way a 6inch lift with 35s is worth an extra $200 a month.

 

Howden, you realise if you hit another vehicle with your raised truck,your raised bumper is going to do a LOT of damage.A raised truck is also less stable. And by raising your truck and adding larger tires,you're implying that you will take your truck off-road,increasing the risk of damage and a claim.That's why insurance companies will charge you higher rates.