Going off road, check your insurance - JeepForum.com
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post #1 of 14 Old 03-06-2019, 10:09 AM Thread Starter
LouC
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Going off road, check your insurance

Anyone going off road should check your policy to make sure it covers off road driving. Not all do and for sure you want to make sure you at least have liability coverage in case anyone in your vehicle gets injured. Our insurer (Geico) does have full coverage if you go off road. They will cover you for driving in Canada but not in Mexico.


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post #2 of 14 Old 03-06-2019, 11:34 AM
jp360cj
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I don't care if my insurance covers me when I'm offroad or not. In fact, I would prefer it not to covered and have lower premiums.

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post #3 of 14 Old 03-06-2019, 11:55 AM Thread Starter
LouC
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Until someone in your vehicle (if any) gets injured and then sues you. Remember in America anyone can sue anyone.

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post #4 of 14 Old 03-06-2019, 11:57 AM
HAZCAT
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We cover it at Farmers. And we cover a few miles into Mexico as well for those that are just going across the border for the day to site see or go fishing or whatever and then back across. Canada requires an actual document showing you have coverage specifically for Canada and not just your normal ID cards. Just printed one for a friend to go up there next month.

This is a bigger deal (offraod) for the people that have an older Jeep and it is insured as a classic. Those policies typically will say "limited mileage use, primarily parades, car shows and club events" and also state no offroading….so need to beware of that. I believe that Hagerty and Grundy will still allow you to go offroad but I know that JC Taylor will not on their classic coverage.

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post #5 of 14 Old 03-06-2019, 12:00 PM
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Quote:
Originally Posted by LouC View Post
Until someone in your vehicle (if any) gets injured and then sues you. Remember in America anyone can sue anyone.
Or the person you hit.....also for a lot of people they say "I have nothing to get if they sue"...….your future earnings will be awarded to them so you get part of your check taken after taxes and before you get any it goes to the settlement.

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post #6 of 14 Old 03-06-2019, 12:36 PM
jp360cj
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Quote:
Originally Posted by LouC View Post
Until someone in your vehicle (if any) gets injured and then sues you. Remember in America anyone can sue anyone.
Don't necessarily need the auto coverage for that, there are other (bettet) ways to CYA for such event. My point was that no type of insurance is a one size fits all.

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post #7 of 14 Old 03-06-2019, 01:20 PM Thread Starter
LouC
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How else would you cover yourself for that kind of a risk? And since you have to have auto insurance anyway (assuming that this is a street driven Jeep) why would you not want just one policy that covers you for both?

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post #8 of 14 Old 03-06-2019, 01:31 PM
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I called my insurance company-State Farm- just to be sure. They told me as long as I was not breaking the law-tress passing- or on ice, I was covered.

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post #9 of 14 Old 03-06-2019, 01:36 PM Thread Starter
LouC
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Another issue is towing service availability. Where we go (South Shore Long Island beaches) there is only one tow service that will go on the beach and they charge 450 an hr. I think you'd want at least some coverage for that...

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post #10 of 14 Old 03-06-2019, 03:54 PM
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For towing you are at the mercy of the companies that your insurer contracts to use or will accept your insurance. Some companies will let you pay the tow bill and reimburse you as well so that can open up more doors for that but still up to them where they will go. I know they will not come out to 90% of where I would be on the trail so you have to at least get back to a parking lot or camp site for them to do their part.

I had my Jeep off the side of a mountain in the Ozarks and hitched a ride to town and went to a local tow service and told him where it was and he said he would go as far as he could. When we got there he drove as far as he could and we then walked to the edge and looked down through the trees and he said "well I see a Busch Beer can down there. Is your Jeep close to that?" I said yeah....that's the hood of my Jeep...it's way down there!!! We used 2 wreckers with the first hooked to a tree and all its cable out attached to the second one with all its cable out attached to 10 log chains. And used another one of my Jeeps and a 4wheeler and 4 guys to get it out. Took 2 hours.
He then said follow him back to the shop....I could have just driven off. He didn't know me or have my name and figured he didn't have time to write down the plate # but trusted me. When I got there he said "boy do you owe me some money" I knew it would be expensive as he also scratched up both trucks and one was brand new.....he said "that'll be $100" I smiled ear to ear and gladly gave him a hundred!!!!

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post #11 of 14 Old 03-06-2019, 04:16 PM
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Food for thought...from a convo I had with a friend, in the insurance industry:

“Unless you are driving actually Offroad, blazing through woods or land that no other vehicle has gone before you, then you aren’t “off-roading”

You are simply driving on a dirt, sand, gravel etc or unimproved road. So you are technically always on a “road” in some sort.

It’s all in how you articulate it to your agent....”

YMMV.
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post #12 of 14 Old 03-07-2019, 11:37 AM
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When I rolled my Jeep they (Hastings Mutual) told me that wheelin in the woods with my buddies was no different to them than if I was driving back to my favorite fishing hole and having it happen then. It was covered with a smile. They did ask me if I was in a competition as it would not have been covered.


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post #13 of 14 Old 03-07-2019, 12:53 PM
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Quote:
Originally Posted by Mud Machine View Post
They did ask me if I was in a competition as it would not have been covered.
Events occurring in competitions definitely get more complicated. I think most (all?) racers assume their vehicles have no damage coverage and it becomes about medical and liability. I've dealt with it for medical and fortunately got it worked out but there were questions. For liability many racing organizations require drivers to obtain special racing liability insurance. Mine is not currently active, but I have had a USAC policy in the past. I know U4 makes it pretty easy for drivers to get and IIRC Darren Skilton told me once upon a time USAC very big in rally world.
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post #14 of 14 Old 03-08-2019, 10:53 AM
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Allstate covered mine when I flopped last year in an Offroad Park. My agent did have to check but she got right back to me and said it was covered. Had a check a week later.

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