i once had a huge oak tree fall on a new to me three week old truck. liberty mutual did me dirty. so much for their better car replacement.
cuse under my breath at every commercial they have.
What Insurance Will Cover Our Jeeps Offroad?
- Thread starter Bowhunter
- Start date
i once had a huge oak tree fall on a new to me three week old truck. liberty mutual did me dirty. so much for their better car replacement.
cuse under my breath at every commercial they have.
From what I’ve gathered (after pestering many different agents), is that 9/10 companies call out specially racing or competing as not covered. I have yet to find (or be told but we know how that works lol), a policy that specially defines or states off-roading as not being covered. One of those things were they don’t specially call out coverage but doesn’t specifically say it’s not covered. Haven’t been able to get an agent to produce any documentation beyond the racing or competing
As far as who would file a claim while off-roading, if you paid for full coverage on a vehicle that you were using on a trail within the vehicles capabilities (let’s assume a jeep that’s not heavily modified), why wouldn’t you file a claim if you sustained massive damage or totaled the jeep? You’d rather just walk from your money in the jeep than file a claim?
An agent isn't going to say what is and isn't specifically covered in a hypothetical claims situation. That opens them up to errors and omission claims potentially should you come back later saying Joe the agent said it was covered, here is the email. The insurance company can than stick it back on the agent.
Ambiguity is the name of the game in the insurance world.
Taking your vehicle on an off road trail where the likelihood of damage increases significantly vs road use against overall miles driven is a big change from what a standard policy was designed to do. We are the minority vehicle owners after all. With that said, insurance does cover stupidity so if you go offroad I would run with comprehensive/ full coverage on anything of major value and our lj's are right on the edge of value line IMO.
Coverage for things that occur offroad happen all the time. Some accidents that start on the road don't involve any sort of damage until the vehicle leaves the road. Idiots dunking their trucks at boat ramps, farm vehicles damaged while farming, construction vehicles, etc.
I would ask what are you trying to get covered? If you paid to wheel I think it could be argued under the competition clause. Outside of the policy comes case law in your specific state and what that state has defined as competition or reasonable off road use in a coverage decision case if one exists.
Ambiguity is the name of the game in the insurance world.
Taking your vehicle on an off road trail where the likelihood of damage increases significantly vs road use against overall miles driven is a big change from what a standard policy was designed to do. We are the minority vehicle owners after all. With that said, insurance does cover stupidity so if you go offroad I would run with comprehensive/ full coverage on anything of major value and our lj's are right on the edge of value line IMO.
Coverage for things that occur offroad happen all the time. Some accidents that start on the road don't involve any sort of damage until the vehicle leaves the road. Idiots dunking their trucks at boat ramps, farm vehicles damaged while farming, construction vehicles, etc.
I would ask what are you trying to get covered? If you paid to wheel I think it could be argued under the competition clause. Outside of the policy comes case law in your specific state and what that state has defined as competition or reasonable off road use in a coverage decision case if one exists.
Thanks for info. As far as what I’m looking to get covered is essentially if I sustain substantial damage (not just body damage) to the jeep or total it while off-roading/rock crawling. My thought process was that if I pay for full coverage, verify they don’t specifically excluded off-roading (like American family insurance does), I would be covered since I don’t compete or race. Maybe my thought process is flawed…
It's frustrating for sure.
I think your concern and process is valid but I'm not sure you going to get a concrete answer until a claim happens. Some carriers try to not cover things they say they will so it can be a bit of a crap shoot. I try to stick carriers with good reputations for claims handling with gamble being it will pay off should I need it. YMMV though.
I currently use Erie and have for a long time without any issues FWIW.
Something to keep in mind is with each damage to the vehicle, it's worth less in the eyes of the insurance Co and in general. So each subsequent damage claim potentially get close to reaching total loss situations.
I have walked because the policies didn't cover that kind of thing. Never gave it a second thought. And I've seen others experience carnage and AFAIK no insurance claims. Wheeling, like racing, can be an expensive hobby and you roll your own dice.
alittleoff
TJ Addict
AAA couldn't/wouldn't, match what we have now with SF for home/auto Ins. AAA said that we lived in a forest fire/earthquake prone area at our SoCal property.
Our SF Ins. agent/friend also said that all, and she emphasized all, Ins. Cos. would declare bankruptcy in such a catastrophic event.
We didn't see any reason to change to the higher AAA rate.
Our Agent also knows that I'll take responsibility for any stupid shit that I do to my Jeep off-highway.
But if an accident is not my fault, I know that they are there if I file a claim.
So far, so good.
Our SF Ins. agent/friend also said that all, and she emphasized all, Ins. Cos. would declare bankruptcy in such a catastrophic event.
We didn't see any reason to change to the higher AAA rate.
Our Agent also knows that I'll take responsibility for any stupid shit that I do to my Jeep off-highway.
But if an accident is not my fault, I know that they are there if I file a claim.
So far, so good.
I’ve never had any issues with State Farm and I’ve been with them for many years. They were the only ones that would give me good rates as an under 25 with a street bike.
I have never had State Farm but someone hit my truck that had them. Filed through State Farm only, not through my own, and it was a very smooth and easy process. So much so that if I ever have any issues with Erie I would look at State Farm first.
Oddly enough my renewal policy showed up today for Erie. No off road exclusion I can find in it anywhere.
Oddly enough my renewal policy showed up today for Erie. No off road exclusion I can find in it anywhere.
I’ve been hearing good things this far on statefarm… my neighbor's brother rolled his long traveled F150 offroad and they covered it
I have USAA and while I have never had to file a claim off-road, I have never gotten the indication that I would be denied if I needed to. I think I've heard some on here say "USAA isn't what it used to be" but I haven't had any negative experiences.
alittleoff
TJ Addict
I bought my first street legal M/C when I was 15 1/2 yo. and got my learners permit at that age. My parents paid for the first year of coverage, $62/year. And had my Class 4 (then and now it's a class M1) before my Class 3 (now a class C).
I've not owned a bike since 1990 but, have had the privilege of riding friends bikes a few times. I still hold a Class M1 to this day and now that I have Medi-Care, I want another enduro for all the trails up in this neck of the woods.
I’m a little perplexed by the Medicare statement. Did you know have health insurance prior to Medicare?
alittleoff
TJ Addict
This is quoting something old but since you mentioned them.... I specifically asked USAA about this a few years ago, I have them as well unfortunately, and I was told no coverage off off a city, state, national, or county road. so basically any forest service road, blm, etc... zero coverage. Maybe that policy changed...but they also left me stranded last year on the side of the interstate and tried charging me $2,000 to dispatch a 'local' tow truck 4 hours away. I would not trust them to cover you off highway.