Howdy folks. Did some searching around but I don't much information on the forum about this so I'm starting my own thread. A lot of people probably are in the same boat and would have the same question as me.

If I lift my truck a few inches and put 31s or 33s on it, and then get rear ended, could the company of the person who hit me refuse to pay? In my state the company of whoever does the hitting pays for everyone in front. Not sure if it's like that everywhere.

I lost my last ranger in a rear end collision but everything was stock so this wasn't an issue. Now that I am building my current one up I thought this could prove to be very important in deciding what to do next. Sure would suck to get hit and come to find out I'm not gonna get any money when I spent a lot getting the truck the way I want it.

Thanks in advance guys!

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2002 XLT Supercab 4x4 4.0 Five Speed
Plasti-Dipped Rims
Painted Grille
T-Bars Cranked
Belltech 6400 Clones from Autozone

im actually curious about this too

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1996 f150 4x4 ext cab, Eddie Bauer edition, 5.8l auto, 3.55 gears and 31/10.5/15
My babe/DD-1995 2.3l 5speed 4x4, long bed, 4.10 open dif, "red rocket" 31/10.5/15s good years

I don't have full coverage just liability so I don't see where my own company would care about it. Question is could the other guy say this is not gonna be paid for. Also if for example it was totalled I wouldn't expect them to pay for the lift kit. Just the truck for what it's worth

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2002 XLT Supercab 4x4 4.0 Five Speed
Plasti-Dipped Rims
Painted Grille
T-Bars Cranked
Belltech 6400 Clones from Autozone

Why would you tell them you did anything to it? I know if your car is in violation of vehicle codes according to the state the vehicle is registered in insurance will not help you if they find out about the violations.

I have heard some companies do not cover cars with any modifications done, but you can have certain dealerships lift your truck before you take delivery. You can have your new Mustangs suspension modified by a ton of Ford dealers. I do not see how a dealer could sell a vehicle or a bank would loan on something that can not be covered in the event of a loss.

You will only get what the truck books for not any of your mods. They will probably only try to give you 80% at first, and the others guy insurance will always try to say this can not be paid for.

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2003 Ford Ranger Edge ext. cab 3.0 V6, M50D, Rwd, 4.10 open, Tow pkg. Sonic Blue,Fab-tech 3" spindles AAL +3" blocks out back. Buggman LEDS, 15x7 Pro-comp 52's, rolls on 32x11.50xR15 Cooper Discoverer STT, tonneau cover, Mini mask, Pintle hook, AEM- Dry-flow airfilter, Flashpaq 1865, Flowmaster 40, 10% tint, Kenwood deck and speakers, cheap seatcovers, Alpine S-10" MRP-M 350 MRP-F 300

I wouldn't tell them anything. But I don't think it would be too hard to tell if I've got a 2 inch suspension and 3 Inch body lift on it plus 31s. Not going to look like a stock ranger.

As far as having a shop do it that's out of the question....I'm a built not bought kind of guy.

Thanks for the response!

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2002 XLT Supercab 4x4 4.0 Five Speed
Plasti-Dipped Rims
Painted Grille
T-Bars Cranked
Belltech 6400 Clones from Autozone

I was referring to if a dealer can lift a brand new truck that is being financed. Which by law requires full coverage insurance. How can a lifted truck be denied coverage after an accident. Unless it is lifted to the point of violating state vehicle code.

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2003 Ford Ranger Edge ext. cab 3.0 V6, M50D, Rwd, 4.10 open, Tow pkg. Sonic Blue,Fab-tech 3" spindles AAL +3" blocks out back. Buggman LEDS, 15x7 Pro-comp 52's, rolls on 32x11.50xR15 Cooper Discoverer STT, tonneau cover, Mini mask, Pintle hook, AEM- Dry-flow airfilter, Flashpaq 1865, Flowmaster 40, 10% tint, Kenwood deck and speakers, cheap seatcovers, Alpine S-10" MRP-M 350 MRP-F 300

Dealer part makes sense. Also seems right that the vehicle could not be denied coverage as long as it doesn't violate any codes. That would answer my question. I had seen in some places where a company would drop you if they found out the vehicle was lifted

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2002 XLT Supercab 4x4 4.0 Five Speed
Plasti-Dipped Rims
Painted Grille
T-Bars Cranked
Belltech 6400 Clones from Autozone

Not sure about all states but check your local vehicle codes in GA it is illegal to lift/lower more than 2 inches from factory ride height but its kind of a gray area because i bet if you measured all similar cars on a dealer lot you would get different numbers because parts are not 100% the same and they don't always go together exactly the same. However if it is factory lifted and you have the receipts to show it then that is factory ride height. However if you can't prove it in GA they can claim that your aftermarket lift contributed to the accident by altering the safety features. Insurance companies can be ruthless especially state farm they fought ruthlessly for me. When i got hit the ladies insurance tried to claim that my aftermarket wheels caused it. They will try anything to get out of paying so its really up to you whether or not to do it but wouldn't hurt to read up on local MV codes.

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New DD-2009 Mustang GT/CS candy apple red

(For Sale)2003 XLT 5speed swap, Hurst Shifter, STX valance SLP drop coils, thunderbolt hood scoop,Screamin demon coil, Flo-pro super v, 1.8:1 Morana rockers, Roush sway bars, SCT tuned by Fred at Rogue, Taurus E-fan, 15x8 Torque thrust wheels gunmetal on chrome, Led 06 tails and smoked HID projectors, mud flap delete, painted drums/calipers, Rear flip kit.

DOT says your bumper can't be X amount of inches from the ground. I can't remember the number, and probably state by state laws as well

If you're too high and somebody slams behind you, insurance "could" not pay. They would file a civil suit for damages. "If it wasn't so high I could have seen the tail lights, if the bumper were lower the damage would have been less severe, I wouldn't have slid under and gotten hurt so bad"

Remember...this is 'merica. Land of the free and home of the sue happy morons

X2^^^
If it's legal by your states law, how could they not pay? Just threw that in, I'm in a "no fault" state.
Insurance companies don't always give you a hard time about paying. I've had a couple fender benders in my life, before and after the "no fault" thing, and never had a problem collecting.

But Mike, you're so right about the sue happy maroons.

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'04 Edge, Scab/flareside, 2wd, 3.0, 5 speed, 4:10 open. Billet grille, Raceline Raptor black wheels, 265/75/16 DuraTracs. Tbar crank, AAL. Fox shocks, Thrush welded SI/DO swept back side exit. Morimoto projectors, '06 tails and power mirrors. LEDs all the way around. Blacked out fender badge. Access Limited rollup tonneau. 5% tint on back three windows. Airbox mod, FWIW. And a Border Collie that likes it too!!

If some dipshit with a lifted truck with bumpers that are too high crashed into me and injured me, I would contact an attorney before the police even got there.

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I agree. Just because it's Murica, you don't get to be a total douche and drive some fucked up piece of crap just because you think it looks good.

This is what I was most concerned about. I did take a look at NJ laws, if total lift is below 4 inches you're fine, if it's higher than that you need a safety inspection. Additionally there are maximum height restrictions based upon GVWR.

I figured an insurance company could claim any reason not to give you your money. my guess is if it's legal you'd still have to get a lawyer or something to prove it and that's just a hassle

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Looks like as long as you're legal in the state you're in, then you're okay

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2002 XLT Supercab 4x4 4.0 Five Speed
Plasti-Dipped Rims
Painted Grille
T-Bars Cranked
Belltech 6400 Clones from Autozone

I was kicking this topic around a few folks this morning. I was told of an experience where the insurance company wanted to deny coverage due to a steering wheel cover. Saying that caused the accident because her hands were not firmly on the wheel when she hit some ice one winter and slid into a parked car.

http://www.godmudders.co/index.html I am pretty sure this guy got the shit sued out of him by a customer for lifting the vehicle beyond state regulations in Illinois. Accident happened and insurance would not cover the lifted truck. The owner of the truck at fault turns around and sues him for building it. He is in Indiana now only really does boat interiors by appointment.

In his front page rant he carefully leaves out the term any modification that violates state vehicle code. Kind of butt-hurt may have beat the criminal charges, but those civil suits are a real M.F-er

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2003 Ford Ranger Edge ext. cab 3.0 V6, M50D, Rwd, 4.10 open, Tow pkg. Sonic Blue,Fab-tech 3" spindles AAL +3" blocks out back. Buggman LEDS, 15x7 Pro-comp 52's, rolls on 32x11.50xR15 Cooper Discoverer STT, tonneau cover, Mini mask, Pintle hook, AEM- Dry-flow airfilter, Flashpaq 1865, Flowmaster 40, 10% tint, Kenwood deck and speakers, cheap seatcovers, Alpine S-10" MRP-M 350 MRP-F 300

Perfect example right there. Insurance company will use anything to deny coverage even if it isn't illegal. That's what I'd be worried about

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There are obviously some trucks which are dangerous. If it's higher than the legal limit, they wouldnt have a leg to stand on. However this thread is only dealing with a 3 Inch BL and maybe 33s...on a ranger that's not that high

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2002 XLT Supercab 4x4 4.0 Five Speed
Plasti-Dipped Rims
Painted Grille
T-Bars Cranked
Belltech 6400 Clones from Autozone