Check your insurance coverage/contract

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PyrPatriot

PyrPatriot

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I had a flop on a BLM trail in 2008 with my 2004 TJ Rubicon. There was about $6k worth of damage, mostly to hood, fender, windshield frame, windshield, door, soft top, and scratched wheels and rear corner armor (I had the stock wheels painted black). State Farm covered all of it ($0 deductible). When my agent asked where and how it happened, told her I was offroading on a BLM trail and the Jeep rolled into a gully where the trail had washed out.

I asked the body shop for the prices of the replacement parts, which they gave me. Their cost for a replacement soft top was pretty high, so I asked if they would purchase a Viking Fastback soft top for it, which was cheaper, and they agreed. They even repainted all of my wheels and rear corner armor since the black paint they used was slightly different than what I had used.

My agent asked if anything was damaged which wasn't stock and I told her about the painted wheels and corner armor. She said it was covered. I didn't check my policy, nor have I checked it for the JL, but will be doing so.

rollover 011a.jpg
see, that may be because you are in a state with a lot of BLM land. State Farm in KY told me they wouldnt cover such incidents.





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Windshieldfarmer

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I’m insured by American Family. I’ve been told by my agent that damage is covered if it occurs on a government managed road. Many of the trails in Colorado are technically county roads.
 

Jmonroe

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see, that may be because you are in a state with a lot of BLM land. State Farm in KY told me they wouldnt cover such incidents.
I'd double check that. I don't think it's correct, although I've been retired for a long time.

What "we" (I worked for State Farm for over 30 years) did have were limits for recovery (towing). You had to be within a specified distance of a public road for us to pay the recovery & tow charges. This was to specifically exclude having to go get you out in the middle of nowhere. The carnage was covered regardless. Might get the attention of underwriting, however, affecting your future rates or access to coverage.
 
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PyrPatriot

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I’m insured by American Family. I’ve been told by my agent that damage is covered if it occurs on a government managed road. Many of the trails in Colorado are technically county roads.
Well, it's been about a year since this thread was started. I'm happy to say in my year or so of ownership I have not caused anything to need an insurance claim. Hoping 2021 goes the same way. Through some digging I did find at least one more thing to consider: that how you convey you would use your vehicle. Specifically, sure the policy might cover the "road" you were driving on, but it may not be the case of intent of travel. For what it's worth, I've cleared my "off road" use with both an underwriter and claims specialist, in writing. YMMV.

The case that got me thinking of this was Am. Family Ins. Co. v. Almassud, a 2018 case from GA. The court held that:


The application indicates that Almassud would “use” the Jeep to travel “to/from work/school.” Almassud argues that AmFam learned he had been using the Jeep for other purposes in 2012, after the wreck. Then, AmFam asked Almassud what the purpose of his trip was, and he responded that he had gone to the mountains. However, taking one trip to the mountains would not constitute a material misrepresentation because a single excursion would not likely influence a prudent insurer's decision of whether or not to issue coverage. The type of off-roading revealed at the underlying trial, on the other hand, undoubtedly would. Thus, the Court finds there are questions of material fact as to when AmFam first learned of the Jeep's off-road use and the extent of Almassud's off-road activities. There are, likewise, questions of fact as to whether Almassud misrepresented his use of the Jeep in the application—i.e., whether he answered the question, as it was asked, or whether he was required to disclose all the ways he would utilize the Jeep that would materially impact AmFam's risk in issuing coverage.​
 

Hitdog540

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Right. This thread is to raise awareness of that. I want to know how other states compare. Here in KY offroading in Jeeps isnt very popular. But in Colorado it is much more a lifestyle and I would bet there is legislation mandating coverage for trail riding and mods
These are all the reasons why people choose carriers like Geico...they're cheaper because there are no agents to help you not only understand the policy but get involved in the claims process and get you paid. Saving money is great on premiums until you lose all that and more when you file a claim. Just saying...it's ok to pay a little more as long as there's a value.
 

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I've had Geico for years and the times i've filed a claim they have been very easy to work with and the payout has been competitive (both totals).

First one was when my neighbor crashed into my E46. Because it's has the uncommon ZHP package they allowed me to provide comparables of recent sales and bumped the compensation accordingly.

Second time was when my mother got into a highway accident and to my surprise they actually paid us more for her 2016 Rogue than she had paid for it a year earlier.
 
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PyrPatriot

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These are all the reasons why people choose carriers like Geico...they're cheaper because there are no agents to help you not only understand the policy but get involved in the claims process and get you paid. Saving money is great on premiums until you lose all that and more when you file a claim. Just saying...it's ok to pay a little more as long as there's a value.
Geico was by far better than All State or Progressive. Neither could provide me a definition on what a "road" was. When I asked if backroads, old county roads that were rock ruts and mud would be covered, agents said no. They were also way more expensive than Geico. And finally, I had worked a lot of insurance claims, Geico was by far the easiest to work with and quickest to respond
 

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