How to Bounce Back After Losing Your Truck to an Accident: A Guide for Outdoorsmen and Hunters
OutdoorHub Staff 12.09.24
For many truck owners, insurance is something they set and forget. But when it comes to protecting your most important asset for outdoor adventures, knowing the basics of insurance is essential. Surprisingly, a lot of folks don’t realize that standard policies often don’t cover custom modifications or off-road use. This can lead to unpleasant surprises when accidents happen. And accidents are more common than you might think—especially if you’re hitting the trails during peak hunting season.
Did you know that every year, an estimated 2.1 million crashes in the U.S. are caused by collisions with deer and other animals? These incidents spike dramatically during the fall, with November being the peak month for deer-related accidents. For hunters and outdoorsmen who spend a lot of time driving at dawn and dusk, the most active times for wildlife, the risk is even higher. If you’re relying on your truck to get you into the backcountry, having the right insurance in place can make all the difference when things go wrong.
Be Prepared Before It Happens
Preparation might not be the most exciting part of truck ownership, but it’s the one that makes all the difference. The right insurance is the ultimate upgrade. If your truck is properly covered, recovering after a loss becomes significantly less stressful.
Most trucks you see tricked out with custom mods aren’t fully insured. Sure, the base truck might be covered, but all those customizations that make it perfect for your hunting trips—like the lift kit, bed rack, or winch—probably aren’t. That’s where Tredder comes in. After making sure your primary insurance is as comprehensive as possible, get a Tredder policy to cover everything your base insurance misses. Think of it as insurance for the gear that makes your truck truly yours.
File Claims Quickly and Strategically
After an accident or theft, time is of the essence. Start the claims process with your primary insurance provider as soon as possible. If you have a Tredder policy, they should be your next call. Tredder works hand-in-hand with your primary insurer to ensure your declared modifications are covered.
One thing to keep in mind: exclusions. Many standard policies don’t cover incidents that happen off-road. If your truck gets damaged while out on a trail, you could be in for a nasty surprise. The good news? Tredder policies don’t exclude off-road adventures, so you’re still covered where it matters most. Always double-check your primary insurance to understand where your coverage might fall short.
Salvage What You Can
Even if your truck is declared totaled, chances are, not everything is a total loss. A lot of gear—light bars, off-road tires, bed liners, and even your hunting rack—might still be in good shape. Work with your insurance provider to gain access to the vehicle and salvage any usable parts.
Keep in mind that once your truck is written off, it usually becomes the property of the insurance company. Not all insurers allow you to recover parts, but Tredder goes above and beyond to help you get a head start on your next build. Every salvaged piece saves you money and keeps you closer to hitting the trails again.
Do Your Research Before Rebuilding
With your claim check in hand and salvaged parts in your garage, it’s time to plan your next steps. Will you replace your truck with the same model, upgrade to something newer, or go with an older, more rugged option?
Newer trucks often come with advanced safety features and high-tech conveniences, which can make them appealing. However, older models tend to be easier to work on and often hold up better under the harsh conditions outdoorsmen love to tackle.
Don’t forget to check compatibility between your salvaged parts and your new truck. Many components work across multiple model years, but some are specific to certain generations. If you’re unsure, consult with your local shop or a fellow truck enthusiast.
Build It Back Better
Once you’ve chosen your next truck, it’s time to start rebuilding. Whether you’re handing it over to a trusted shop or tackling the project in your own garage, having a clear plan will make the process smoother.
If you’re a DIYer, make sure to prioritize safety. Proper tools, safety gear, and patience are key—you don’t want to add a trip to the ER on top of your truck troubles. On the other hand, if you prefer to have pros handle the job, you might be able to include labor costs in your insurance policy. With Tredder, you can cover the value of both your modifications and the labor when setting up your policy.
Get Back to the Outdoors
Once your truck is rebuilt, it’s time to hit the road—and the trail. Whether you’re heading out for a weekend hunt or scouting new territory, your rebuilt truck will be ready to handle whatever the wild throws your way.
Secure Your Truck with Tredder
Your truck is more than a vehicle; it’s a tool, a companion, and a critical part of your outdoor lifestyle. Don’t let an accident or loss keep you from doing what you love. With Tredder insurance, you can make sure your truck—and every custom mod on it—is fully protected.
Be prepared, act quickly, and get back to what matters most: the thrill of the hunt and the freedom of the open trail.
Disclaimer
The information provided in this article is for general informational purposes only and does not constitute professional insurance, legal, or financial advice. Readers should consult with licensed insurance agents or other professionals to address their specific needs and circumstances. This blog may include references to products or services offered by third-party companies, such as Tredder. Any mention of these services is based on our research and experience and does not imply endorsement unless explicitly stated. Please note that coverage details, terms, and exclusions can vary depending on your location and insurance provider. Always review your policy documents and speak with your insurer to understand what is and isn’t covered. We are not liable for any decisions made based on the content of this article. Drive safely and responsibly.
