lifted Tacomas getting insurance cancelled Torque News reports

[Slappy]

Statefarm using AI to flag accounts that need photo audit for renewals
Targets Lifted Tacomas

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[Will721]

Idk why anyone would give statefarm their money at this juncture. Like, the Rico case they've already been found GUILTY of and is still fighting and refusing to pay isn't enough for their customers? Every accident I've been in as been not at fault for me, all of them the opposing driver has had statefarm, and every single time it's been a huge problem getting them to pay out. Everyone I know that's had them couldn't hardly get them to pay out. Why are people still giving that dumpster fire of a company their money?

 

[TimC.]

Agreed. Until everyone bands together and pulls their coverage to another provider we allow big insurance to control us. This forum is a great place to band together and make a point. All who have State Farm here, please consider moving. I seen this story and was appalled some time ago. Great post.

 

[franx]

State Farm is bad news, stay away. Had to deal with them over one of their drivers rear ending my wife and what a pain to deal with.

 

[NewtoToyota]

My insurance is still going after State Farm currently. One of their drivers ran into my parked truck, admitted fault in the police report, and they still don't want to pay. I ended up just using my insurance to cover the $8k in damage to the front end.

 

[ridetime]

This isn't a State Farm issue. It is an insurance industry issue. Nobody can deny that a lifted truck on 35" tires is less safe than a stock truck. It is Physics. Larger heavier tires don't stop as quickly. Lifted trucks have a higher center of gravity and are more prone to rollover. Bumper height is increased potentially causing more damage to a normal height vehicle in a collision.

I know the lifted crowd doesn't want to here this but it is a fact. Why should State Farm or any other insurer take that risk to insure you when the vast majority of their insured are running bone stock?

 

[TimC.]

It's all risk. I assume you also agree that all Smart Cars and motorcycle policies should fit your same narrative?

 

[NewtoToyota]

Are the modifications legal? If so I don't think they should be able to deny insurance. I had a sport bike which would go nearly 200mph on two wheels, I had insurance on it.

You are correct in saying it will stop slower and have higher center of gravity and such, but there are plenty of brand new vehicles you can buy that have 35" or 37" tires, weigh A LOT more than the tacoma, have steel bumpers and usually a lot more hp and tq.

 

[ridetime]

It's all risk. I assume you also agree that all Smart Cars and motorcycle policies should fit your same narrative?

Are the modifications legal? If so I don't think they should be able to deny insurance. I had a sport bike which would go nearly 200mph on two wheels, I had insurance on it.

You are correct in saying it will stop slower and have higher center of gravity and such, but there are plenty of brand new vehicles you can buy that have 35" or 37" tires, weigh A LOT more than the tacoma, have steel bumpers and usually a lot more hp and tq.

I agree. I have a Wrangler 392 on 35" factory tires. 475 HP and torque. There is a difference between what I pay to insure it vs a Wrangler Sport on 32" tires with 285 HP. There is also a difference between a factory built vehicle and "bubba" that ordered some parts off the internet.

Everybody thinks they are a vehicle dynamics engineer but few are. I'm just saying that is how insurance underwriters see it. You don't have to like it but it's just a matter of time before this is every insurance provider except maybe gut eater insurance like SafeAuto and the General.

 

[TimC.]

For good sake! Will you have a look at the initial post and the truck picture? Does this look like something wrong?

 

[ridetime]

It's all risk. I assume you also agree that all Smart Cars and motorcycle policies should fit your same narrative?

I absolutely agree! Mass is mass and 2 wheeled vehicles with no airbags or restraints are more dangerous. I would never personally own either. Your thinking logically. State Farm is protecting their bank account. End user vehicle modifications are an easy target. See my response above.

 

[ridetime]

For good sake! Will you have a look at the initial post and the truck picture? Does this look like something wrong?

Looks fine to me. But it doesn't matter what you or I think. The truck in the picture is lifted and has oversized tires. That makes it less safe than when it was a factory stock truck. You know this.

End user modified vehicles are an easy target.

 

[TimC.]

And exactly why everyone with a Tacoma pull their coverage from them.

 

[NewtoToyota]

I agree. I have a Wrangler 392 on 35" factory tires. 475 HP and torque. There is a difference between what I pay to insure it vs a Wrangler Sport on 32" tires with 285 HP. There is also a difference between a factory built vehicle and "bubba" that ordered some parts off the internet.

Everybody thinks they are a vehicle dynamics engineer but few are. I'm just saying that is how insurance underwriters see it. You don't have to like it but it's just a matter of time before this is every insurance provider except maybe gut eater insurance like SafeAuto and the General.

I can agree with that.

Sucks to have the "bubba" lift and a well designed and professionally installed lift fall into the same category insurance wise.

I wonder about the trucks that come with a dealer installed TRD lift which doesn't come standard from the factory.

The 392 wrangler is beast, big Jeep fan here. Just not for my daily

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