insurance
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 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.
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

Jeff
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.



- KY