Some will. Buddy of mine had his truck slide over a hill that he'd parked and walked away from. USAA totalled it out.

 

i was ridin with a friend and his 08 rubi rolled... geico said they would cover it ... he took it to a shop and after about 4K worth of work, Geico called and said they would not cover it b/c it was "off-road" and that it falls under their "stunting behaviour clause"*** ... three more weeks go by with countless telephone calls not returned. They call and after my friend threatening legal action, they totaled it out. Four weeks of negotiations and he came up about 5K short of what was paid. All told time investment... 5 months without his JK. He is still waiting for the check.

Either way, when it comes to off road coverage, I would get it in writing from your agent. I believe Allstate and State Farm cover off road use...



*** who uses "stunting behaviour"???? And who could compare that to off road use???? It sounds more like he ramped six flaming rail cars and landed in a swimming pool after setting himself on fire and driving from the hood...

THATS STUNTING BEHAVIOR!