That is a good point I hadn't considered. After my accident, the shop determined that one of my struts was slightly damaged. So I got a new one (and paid to get the other side done so I'd have two new struts upfront).I talked to my insurance adjuster recently after a accident.
He said " At least it's not lifted, You wouldn't believe the amount of people that try to get drive components replaced from a minor fender bender that had no affect on them."
He said that unless it's a direct hit on the drive system itself, they deny it and only fix the damaged areas as it's well documented that lifts cause premature wear.
I am not just talking about lifted RL, but lifted trucks in general.I have 110,000 miles with no issues and a friend of mine has 240,000 miles on his with no issues. And Id switch to a different insurance company thats BS.