entropy
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Hi,
I recently bought a wrangler JL 2-Door. I don't do heavy wheeling (yet), but often find myself on fire-roads, OHV roads, for camping/MTB trips and such. I contacted my insurance (Geico) about off-road accidents since nowhere in the policy it is mentioned. I also asked them to define "off-roading". Here's their answer:
Case: 37660531
"""
Apologies, if an accident occurs when using the vehicle off-road, the claim will most likely not be covered.
Off-roading is considered any use of vehicle off of publicly maintained roadways.
Sincerely,
Breanna A.
GEICO Internet Team
GEICO Casualty Company
"""
I think many of the roads I've taken are definitely not "publicly maintained roadways" whatever that means exactly. Any suggestion on insurance company? I am obviously switching, I don't drive a Jeep to stay on the asphalt. I also have an air compressor and looking to get some rock guards soon, so will probably be trying harder trails sooner than I expect.
I think in California OHV roads are considered public roads, so it should be ok? confusing...
I recently bought a wrangler JL 2-Door. I don't do heavy wheeling (yet), but often find myself on fire-roads, OHV roads, for camping/MTB trips and such. I contacted my insurance (Geico) about off-road accidents since nowhere in the policy it is mentioned. I also asked them to define "off-roading". Here's their answer:
Case: 37660531
"""
Apologies, if an accident occurs when using the vehicle off-road, the claim will most likely not be covered.
Off-roading is considered any use of vehicle off of publicly maintained roadways.
Sincerely,
Breanna A.
GEICO Internet Team
GEICO Casualty Company
"""
I think many of the roads I've taken are definitely not "publicly maintained roadways" whatever that means exactly. Any suggestion on insurance company? I am obviously switching, I don't drive a Jeep to stay on the asphalt. I also have an air compressor and looking to get some rock guards soon, so will probably be trying harder trails sooner than I expect.
I think in California OHV roads are considered public roads, so it should be ok? confusing...
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