"Off-Road" Auto Insurance?

[Spank]

I sometimes worry my insurance will drop me because of my absurd amount of windshield claims. I have $50 deductible comprehensive, and in the last 4 years I've gotten 5 new windshields worth about $4000 in glass and labor. I'm scared that if/when I file my next windshield claim they'll finally decide they've had enough of me

Same here. New windshields are practically a yearly maintenance item now.

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[Ratbert]

I sometimes worry my insurance will drop me because of my absurd amount of windshield claims. I have $50 deductible comprehensive, and in the last 4 years I've gotten 5 new windshields worth about $4000 in glass and labor. I'm scared that if/when I file my next windshield claim they'll finally decide they've had enough of me

Yep, that's why I try to limit replacing mine to one a year per vehicle. I'm in Colorado, so it's kind of normal for vehicles to have broken windshields.

Hell, right now there's a top to bottom vertical crack that goes right through my OHV trail permit.

 

[NWJeepr]

My carrier doesn't do separate glass coverage, but it is covered under comprehensive. We were needing to replace about 1 windshield every year when commuting so I flat out asked if I could lower my comp deductible to $0 and how many windshields could I replace per year. The answer was yes, and 3 is the limit. But it was easy to see where they recovered costs by lowering the deductible to $0.

 

[Cips]

This thread should be stickied or something. Lots of valuable info in here.

 

[MichaelT333]

Hi all. We are kind of new here, and trying to learn as much as possible. One thing we could not find in the forums was any discussions about "off-road" insurance. From what we understand, regular auto insurance does not cover "off-road" accidents / incidents, etc.
How many of you have a separate off-road policy? Where did you get it from? What does it cost compared to your regular on-road policy? Did you just get a rider added to your regular policy?
We figure it is good to figure this stuff out before diving in to this head first. It's one thing to have to pay out of pocket to fix some uninsured sheet metal and tie rods. It's a whole different game if you roll over onto someone, and they end up with 6 figure hospital bills, ... or worse.
Much thanks for your input!

It varies from company to company however I have a USAA auto insurance policy and when I got my jeep, I called them and said what happens if I’m off road and I flip the Jeep going over a boulder will I be covered? Their response was you are 100% covered wherever you go. It doesn’t matter if you’re at the top of the mountain or on the highway.

 

[Trails]

It varies from company to company however I have a USAA auto insurance policy and when I got my jeep, I called them and said what happens if I’m off road and I flip the Jeep going over a boulder will I be covered? Their response was you are 100% covered wherever you go. It doesn’t matter if you’re at the top of the mountain or on the highway.

Great to hear! Thanks!

 

[AcesandEights]

... regular auto insurance does not cover "off-road" accidents / incidents, etc.
...

... If you have a claim from riding OFF road, it is not covered at all if you don't have insurance to ride off road. You're S.O.L. if you roll / have a fire, etc. on a trail and you don't have OFF-road insurance coverage.
...

THIS IS NOT TRUE. You should amend your posts, as those statements are not true.

People continue to say things like this and perpetuate the myth(s) online. Someone will read the first couple of posts and think that is a true statement. It isn't.

Unless you have proof of these statements and can speak to them specifically, meaning articulating why a specific claim was not paid or cite a specific exclusion, you shouldn't state this or restate this.

Insurance policies are contracts (contract of adhesion) where the definitions, coverages and exclusions are clearly stated. Any ambiguity is interpreted in favor to the insured (policy holder).

 

[RockTrixWheels]

Following this thread, definitely really interested in what happens to those people that total their cars on the trails and how they deal with the aftermath. Definitely hoping no one has to go through it!

 

[Trails]

THIS IS NOT TRUE. You should amend your posts, as those statements are not true.

People continue to say things like this and perpetuate the myth(s) online. Someone will read the first couple of posts and think that is a true statement. It isn't.

Unless you have proof of these statements and can speak to them specifically, meaning articulating why a specific claim was not paid or cite a specific exclusion, you shouldn't state this or restate this.

Insurance policies are contracts (contract of adhesion) where the definitions, coverages and exclusions are clearly stated. Any ambiguity is interpreted in favor to the insured (policy holder).

Thanks. I will amend the posts. It seems to be policy dependent, so I will amened my posts to say that.

 

[Trails]

THIS IS NOT TRUE. You should amend your posts, as those statements are not true.

People continue to say things like this and perpetuate the myth(s) online. Someone will read the first couple of posts and think that is a true statement. It isn't.

Unless you have proof of these statements and can speak to them specifically, meaning articulating why a specific claim was not paid or cite a specific exclusion, you shouldn't state this or restate this.

Insurance policies are contracts (contract of adhesion) where the definitions, coverages and exclusions are clearly stated. Any ambiguity is interpreted in favor to the insured (policy holder).

Okay, I changed them all by adding the caveat, "DEPENDING ON YOUR PARTICULAR POLICY ...."

 

[Curcurt]

I have been watching a new company that is starting called Tredder. So far I am liking what I see. Going to give it a little time before possibly adding it as a supplement. I maxed my current policy for accessories already but still many 10's of thousands stort. Having a supplement is the best option really.

I tried contacting Tredder by email for a written quote and more information about this company. Unfortunately, I have not received a response. Does anyone here have any personal experience with them? What do you think of this company?

 

[mcaltitude]

I sometimes worry my insurance will drop me because of my absurd amount of windshield claims. I have $50 deductible comprehensive, and in the last 4 years I've gotten 5 new windshields worth about $4000 in glass and labor. I'm scared that if/when I file my next windshield claim they'll finally decide they've had enough of me

I’m shocked my insu allow glass coverage on the Jeep Wrangler. There is no way I believe they make money on Wrangler owners. I’ve got max coverage through USAA. New Corning glass will exceed my annual premium. $0 deductible.

THIS IS NOT TRUE. You should amend your posts, as those statements are not true.

People continue to say things like this and perpetuate the myth(s) online. Someone will read the first couple of posts and think that is a true statement. It isn't.

Unless you have proof of these statements and can speak to them specifically, meaning articulating why a specific claim was not paid or cite a specific exclusion, you shouldn't state this or restate this.

Insurance policies are contracts (contract of adhesion) where the definitions, coverages and exclusions are clearly stated. Any ambiguity is interpreted in favor to the insured (policy holder).

Been waiting for you to chime in here. Please don’t delete your long response this time. Folks on internet giving legal advice is always a bit sketch, but I appreciate the technical details and pointing out when conventional wisdom is going to fail you.

 

[Nokones]

If your existing auto insurance doesn't cover off-road incidents or your off-road equipment & accessories, you may want to look into a speciality car insurance policy from Hagerty or K&K and with Hagerty you can get a "Stated Value" as opposed to an "Actual Cash Value" policy.

 

[Nokones]

I’m shocked my insu allow glass coverage on the Jeep Wrangler. There is no way I believe they make money on Wrangler owners. I’ve got max coverage through USAA. New Corning glass will exceed my annual premium. $0 deductible.


Been waiting for you to chime in here. Please don’t delete your long response this time. Folks on internet giving legal advice is always a bit sketch, but I appreciate the technical details and pointing out when conventional wisdom is going to fail you.

In Arizona, the State requires all insurance carriers to provide that coverage for windshields.

 

[mcaltitude]

In Arizona, the State requires all insurance carriers to provide that coverage for windshields.

Yes, and I feel like my insurance rates should better reflect that risk. I’m paying less in one year than one window replacement with Corning with max coverage.

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