2004 Gmc Sierra Crew Cab Heavy Duty Truck Insurance Coverage

Dave’s question:

I recently bought a 2004 Gmc Sierra Crew Cab 1500 Z71/5.3l 4×4. Intake manifold gasket went on it. Only 79,000km on it.2 right side O2 sensors went with it. Anyway, $2,000.00 I had 2 pay because they said it wasn’t covered. Later I read my owners manual and it said under the Emmision Control System Warranty- Defects and performance 4 light duty trucks is covered 4 the first 3 years or 60,000km.- It also said defects and performance 4 heavy duty trucks is covered 4 the first five years or 80,000km. Question: My insurance coverage says my truck is H/D . What would b considered the H/D 4 that year? Would mine qualify? Why would it come up as H/D on my insurance? Do u know of all the warranties? I live in Alberta Canada.

Answer:

Yes, heavy duty trucks are not covered by warranties in the United States, I know that. As for Canada, I’m not sure what the law is, but it’s probably the same. When a vehicle is listed as heavy duty commercial, most warranties don’t cover much of anything. I’ve seen guys have to fix things on year old Chrysler trucks that they had to pay for without warranty because of this all the time. You’ll never beat the insurance game boys because they write the rules. I’d just advise you to buy a different brand of truck next time, as those GMCs often have all kinds of problems at a relatively early age. That’s probably the only way you’ll be able to get even,


  1. 1Dave said on Dec 22nd, 2014 at 5:51 pm

    Michael, it’s me again..The GMC warranty issue. So, your saying that my truck is considered heavy duty? If it is than it says in the warranty booklet that the warranty would cover it. If it is light duty than it isnt covered. Just want 2 clarify my question. Just want 2 know if they burnt me or not. Thanks.

  2. 2admin said on Dec 22nd, 2014 at 5:55 pm

    I think your problem relates to two different measuring sticks. Your insurance is saying the truck is heavy duty, but GMC says it isn’t. According to the GMC dealer I asked in Houston, only the 3500 is considered by them to be heavy duty. Yours is a 1500 so they wouldn’t consider it heavy duty. A technicality yes, but they’re setting the rules, not the insurance company.

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