insurance

[possumface]

just wondering if you get injured or jeep gets hurt would you be covered if your in some offroad park :thinking:

[R8R ROK]

Stay away from "Low risk Insurance companies" Like Ameriprise (AKA Costco's insurance.

I called AAA and told them that I wheel every weekend with 12 other guys and every week someone rolls their Jeep and totals it (not quite true). I had them check with an adjuster to make sure that I was covered when I rolled it in an OHV park and they called me back in a few days to tell me that I would be covered so I switched to AAA.

That all being said I would call your insurance company and check with them and get it in writing.

Hope this helps.

[Big Clint]

Stay away from "Low risk Insurance companies" Like Ameriprise (AKA Costco's insurance.

I called AAA and told them that I wheel every weekend with 12 other guys and every week someone rolls their Jeep and totals it (not quite true). I had them check with an adjuster to make sure that I was covered when I rolled it in an OHV park and they called me back in a few days to tell me that I would be covered so I switched to AAA.

That all being said I would call your insurance company and check with them and get it in writing.

Hope this helps.

I'm staying out of your group...bad odds of rolling...:rotflmao1:

[R8R ROK]

I'm staying out of your group...bad odds of rolling...:rotflmao1:

I don't wheel that hard at all. I just wanted to let them know that I was a "high risk" customer and didn't want to dance around the issue. I figured if I acted like I was reckless and they were still willing to insure me that I had the right insurance.

[jeff@zina.com]

Nationwide covers me. Though I can't gurantee their lawyers don't go after the ORV park for negligence in putting the 12 foot boulder right where I'd be tempted to try and drive over it... :)

Jeff

[Brad2893]

Some do, some don't. We have state(province)-run insurance here, so I'm not sure. Where I used to live, as long as it wasn't 'misuse' it was alright. Really, came down to the individual adjuster, even if the company DID allow for it.

[Offroad]

How about aftermarket bumpers.

Would you be covered if you hit someone with it?

[Ryno]

How about aftermarket bumpers.

Would you be covered if you hit someone with it?

Do you mean hit another car, or hit a pedestrian? :rotflmao1:

I'm pretty sure you would be covered either way.

[RubiConz]

Anybody know about State Farm as far as rollevers/trail damage goes?

[Seryoga]

How about aftermarket bumpers.

Would you be covered if you hit someone with it?

If you'll get a good aftermarket bumper, you will not have to worry. :rotflmao2:

[08Rubicon]

How about aftermarket bumpers.

Would you be covered if you hit someone with it?

I think it would depend on if it was installed on the vehicle or if you just started swinging it at someone. :brows: - KY

[jkkat]

Allstate has been great so far. Only used it one for the huge dent from a tree root.

http://i243.photobucket.com/albums/ff229/JKkat/100_1265.jpg

[Windshear]

I had to switch from Geico to Progressive because Geico wont cover an off road vehicle if you drive it off road. Now I'm with State Farm because Progressive lost their minds with the renewal price. Both cover off-roading.

[meljr]

I've been with USAA since 1984 and currently have 12 vehicles, including two motorcycles, insured with them and my motor home with Progressive. They both pretty much cover everything except racing, but when one of my race cars is on a trailer, it is covered as well as the trailer and it's contents. If the uninsured vehicle comes off the trailer in an accident and hits something -- it's not insured, so I buy a new set of Mac's tie downs every year!

Off road mishaps are not a problem as long as it isn't related to an illegal activity or racing related. I am a little unsure how they would cover expensive mods that needed repair or replacing after an accident, however.:thinking:

In my opinion, they are a good company, but not the great company they used to be. Getting into banking and other financial services seems to have diluted their focus and the service is much less personal than it used to be. But the rates are competitive as I pay less than $300 a month for full coverage on everything, including a couple of serious muscle cars, so I'll stay with USAA unless they piss me off.

[KEY]

Stop the rumor mill! If you really want to know, check with your Agent. Every company and every state defines "collision" differently.
As a State Farm Agent, I do get asked this on the trails often.

[sliverGstoneJK]

Nationwide covers me. Though I can't gurantee their lawyers don't go after the ORV park for negligence in putting the 12 foot boulder right where I'd be tempted to try and drive over it... :)

Jeff

a lot of ORV parks states that they are not responsiable for damages, ride/drive at your own risk so u cant take them to court. like at the badlands in Indiana u sign a paper

[badron5]

Most (if not all) insurance policies are the same about aftermarket accessories and mods. Those items are not covered, but you can purchase additional insurance to cover those.

Jeeps are the same way- you just purchase the additional amount of coverage you want if you want to make sure your mods are covered.

My Progressive covers up to 1k in aftermarket accessories without paying extra:brows:

They said they would also cover a stubby bumper:thumbsup:

So it all depends on your local Agent like KEY said

[Desert Fox]

I have USAA. They will cover off road damage to the basic vehicle and any after market mods as long as you can furnish the receipts. Never had a problem. I agree with the comments of meljr, USAA has lost their focus but they have never let me down.

[Hellbilly]

Most will cover it nomatter where. It is a 4wd vehicle, made to go offroad. That is why a 4wd vehicle is more to insure than a non-4wd. But a quick phone call would seal the deal. I just wouldn't give em my policy # before asking! :rotflmao1: