Truck Accessories of Oklahoma is a top choice for anyone in Oklahoma City, OK looking to outfit their pickup with custom gear — from lift kits and camper shells to wheels, tires, lighting, and more. But before a truck owner dives into truck customization in Oklahoma City, OK, there’s a critical aspect that often gets overlooked: insurance coverage. Modifying a truck can have real effects on how it’s insured — and not all upgrades are treated equally.
Why Insurance Needs to Be Part of the Customization Conversation
Many insurers treat aftermarket modifications — especially structural ones — as changes that affect a vehicle’s safety, drivability, and resale value. For instance, installing a lift kit changes a truck’s center of gravity, braking performance, and handling. This often increases the risk insurers associate with the vehicle.
As a result:
Premiums may go up.
Some insurers may require a “custom-vehicle endorsement” or additional coverage for aftermarket parts.
If the modifications aren’t disclosed, a claim might be denied or coverage for aftermarket parts may be excluded.
What Truck Owners in OKC Should Do Before Customizing Their Ride
1. Disclose All Modifications to Insurance Provider
Any change — from lift kits to custom bumpers or oversized tires — should be declared. This gives the insurer a clear picture of the new risk and value associated with the truck. Undeclared modifications are a common reason for claim denials.
2. Consider an Aftermarket-Parts or Custom-Vehicle Endorsement
Many standard policies cover stock parts and equipment. Once you add non-factory parts, you may need an endorsement to ensure those additions are covered. For major builds — especially with lift kits, custom tires, bumpers, or other performance upgrades — an “agreed-value” or “stated-value” policy might make sense.
3. Keep Documentation: Receipts, Photos, Installation Records
If you work with a professional installer like Truck Accessories of Oklahoma, make sure you retain receipts and any installation documentation. In the event of an accident or theft, having proof of professionally installed parts can help your insurer justify replacement or repair costs.
4. Talk to an Agent Before You Modify — Not After
Because even modest changes like a 2-inch lift or new wheels can affect policy terms or premiums, it’s best to speak with your insurance company before committing to customization.
What Truck Accessories of Oklahoma Offers that Help
Truck Accessories of Oklahoma provides a full range of customization services — from lift kits, bumpers, lighting, to camper shells and flat-towing setups — and handles the installation professionally with lifetime installation warranties. Because the work is done by experienced professionals, it increases the odds that insurers will accept the modifications — provided everything is properly disclosed.
If you plan to invest in upgrades, partnering with a reputable installer and documenting their work is a smart first step.
Customize Smart, Insure Smart
Truck customization in Oklahoma City, OK can transform a standard pickup into something rugged, functional, and personalized — whether for work, off-road, or everyday driving. But with those upgrades come insurance implications that can’t be ignored.
Before ordering that lift kit or oversized tire setup, make a quick call to your insurance agent, disclose your plans, and keep your documentation. Doing these simple steps can protect your investment and make sure you’re covered — even when the road gets rough.
Ready to build your dream truck and protect it properly? Contact Truck Accessories of Oklahoma today to get started on your upgrade — and step into customization the right way
