Another risk of driving a vehicle that has been modified for off-road use is the unexpected loss of auto insurance coverage in the event of an accident. This is a very easy thing to avoid, yet, it is all too often overlooked. Drivers should never assume that their insurance company allows for vehicle modifications, because the consequences of being denied coverage can be severe.
In an expensive conversation with an attorney on this subject, the importance of an insurance policy was made very clear. In the event of a bad accident, the legal and medical expenses will be substantial. If the drivers involved are insured, their insurance companies will step in to handle the situation. Without insurance coverage, however, these expenses become the responsibility of the driver at fault. In a case where a vehicle was modified in such a way that it violated the street-legal laws, the driver will have the added difficulty of proving that the modifications did not cause the accident. (This is similar to arguing that a drunk driver is not responsible for an accident when their intoxication was not the cause.) Luckily, all one has to do to avoid such a nightmare is to call their auto insurance provider and make sure that all vehicle modifications are allowed under the policy.
When asked about providing coverage to modified vehicles, the responses from the top car insurance companies in the nation ranged across the board. Nationwide indicates that it does not offer coverage on vehicles with any suspension alterations. Esurance and Progressive both stated that they allow suspension lifts as long as they do not exceed 4 inches. State Farm said that it is perfectly fine with owners' modifying their vehicles, while Farmers will even provide extended coverage on any aftermarket equipment used to modify the vehicle. The key to making sure a vehicle is fully insured under an auto insurance policy is to be completely honest and up front with the insurance provider. Insurance coverage details vary from state to state so drivers need to contact their local auto insurance agent for accurate information in their area.
It only takes a little advanced planning and due diligence to make sure that vehicle modifications are done legally and safely. A quick visit to LiftLaws.com will reveal the street-legal laws for each state to help avoid the unwanted attention of law enforcement. Then, a phone call to an insurance agent will ensure that the vehicle is covered in case of an accident. With these two fewer things to worry about when getting to the trail, off-road enthusiasts can now focus on enjoying the thrill of four wheeling.
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