ya i actually vertified mercury insurance will cover me offroad aslong as it is not part of a race or something. not all insurance companies do, anyone in this hobby should verify.. I stick with mercury for that specific reason. also if you send them your invoices, when you buy after market parts, they will cover your part cost on upgrades.. fyiThese situations are why you have insurance. The insurance will cover this. The Jeep is trail rated and it is being used per what the manufacturer designed it for.The only time it would not cover it is if you are entered into a timed race event.