does anyone's insurance company cover off road damage

2011XTERROR Oct 21, 2014

  1. 2011XTERROR

    2011XTERROR Wheeling

    Messages:
    463
    Location:
    Texas
    so i was talking to geico (current policy provider) and they said if i get off road damage it wouldn't be covered. sure, i could lie, but if i roll it that'll be a little harder to lie about because they can determine an estimated speed of travel and who rolls over going 1 mph on the highway..

    so does anyone's insurance cover it? and if so, who do you use? thanks
     
  2. granitex

    granitex Skid Plates Founding Member

    Messages:
    1,394
    Location:
    Columbus OH
    offroad damage is the price we pay to play, kind of why we learn not to flop our stuff on it's lid
     
  3. metzican

    metzican Suspension Lift

    Messages:
    2,696
    Location:
    Lafaytte, la
    Unless it is a public road the answer will be no. I also would not want to know the cost to insure it anyways.
     
  4. 2011XTERROR

    2011XTERROR Wheeling

    Messages:
    463
    Location:
    Texas
    well i was reading on a jeep forum (google took me there lol) and some people said theirs covers it and some says theirs doesn't. and a few usaa people i know said theirs does so idk.
     
  5. drbandkgb

    drbandkgb Titan Swapped / SAS'd Founding Member

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    10,856
    If it's in a state or fed park they will.. Ask salsa ;-)
     
  6. Golf286

    Golf286 Wheeling

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    429
    Location:
    Niwot, Colorado
    State Farm covers damage
     
  7. 2011XTERROR

    2011XTERROR Wheeling

    Messages:
    463
    Location:
    Texas
    yeah i was thinking of him as well. the main one i go to is private property so idk...
     
  8. Slasa

    Slasa Lockers Installed

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    Location:
    Denver
    State Farm covered me. I asked my agent ahead of time about my mods and wheeling. Mods are covered on my policy. I was covered on an established road in Sand Flats Recreational area in Moab. Do not assume anything nor depend on forum responses on the interwebs!
    Simply ask your insurance company. I have heard people covered, some had to purchase add'l coverage, others no coverage.
     
  9. TheFauxFox

    TheFauxFox Titan Swapped / SAS'd Founding Member

    Messages:
    6,056
    Location:
    Tuscaloosa, AL
    USAA, if I understood my contract correctly last time, will if you chose the right premium and coverage.

    But this is the ultimate answer.
     
  10. 2011XTERROR

    2011XTERROR Wheeling

    Messages:
    463
    Location:
    Texas
    yeah it seems too situational according to state and where you go. some people say the mods are covered and their vehicle is covered as long as it's not a race or timed event, some say it's not covered at all, some say only vehicle and stock parts are covered off road. all i know is geico said no. lol
     
  11. Slasa

    Slasa Lockers Installed

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    Location:
    Denver
    I have never heard of GEICO covering. State Farm, Farmers and Progressive (possibly). You pay more on your premiums but it pays off on a claim. Every policy/ carrier is different so the PSA is for everyone to check with their insurance co.
    State Farm was awesome to work with on my claim.
     
  12. 2011XTERROR

    2011XTERROR Wheeling

    Messages:
    463
    Location:
    Texas
    yeah geico is good and i like that they're cheaper but i know also get what you pay for. i just couldn't justify going from $126 with geico to $230 with state farm. that's just a lot for one person. sucks to be broke haha. guess i will see if my dad will get usaa from his brother retiring and see if i can get it off my dad idk. we shall see.
     
  13. Slasa

    Slasa Lockers Installed

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    Location:
    Denver
    Good luck. I know how it is to be strapped and not want to spend more on insurance.
    FWIW - $16k in damage and I'm glad I have the coverage I do. Like granite said, don't flop your truck!
    And don't follow my lines. [emoji6]
     
  14. 2011XTERROR

    2011XTERROR Wheeling

    Messages:
    463
    Location:
    Texas
    thanks. and yeah not looking at going belly up for sure. and i don't care much to get dings fixed up. i will accrue more. but if i bash a door in then yeah i would want another door lol. or windshield. thanks for your info and help.
     
  15. TJTJ

    TJTJ Skid Plates Founding Member

    Messages:
    1,492
    Location:
    NJ
    It seems to depend upon some very specific requirements. For example, some off road areas are public, and some are private. Some "trails" are listed as "roads", and some areas are recreationally listed and some are not, and so forth.

    Each policy has its own interpretations of all of that. IE: There is typically no one answer to if you're "Covered when damaged off roading". Even an adjuster's interpretation comes into play, etc.

    If you read your policy, it typically spells out the exclusions, but, also typically, not all in the same place.
     
  16. 2011XTERROR

    2011XTERROR Wheeling

    Messages:
    463
    Location:
    Texas
    yeah it seems to be a wild goose chase at this point lol
     
  17. NMTerras

    NMTerras Suspension Lift

    Messages:
    4,054
    Location:
    New Mexico
    The answer is in your policy. Do not rely on your agent to tell you what is in it. Read it. Every policy is different, Slasa was fortunate to have been wheeling in an area which was considered a public road, and his policy did not, apparently, have an off-roading exclusion in it, or it was not triggered because of the public road status of sand flats.
    In general, in my experience, State Farm is the best in terms of how it treats coverage issues for its own insureds. HOWEVER, no insurance company is going to read in coverage where there is none. pull out your policy. read the coverages, and the exclusions, and the supplements. Your answer is in there.
    Slasa - was yours covered under collision or comprehensive?
     
  18. Timrich

    Timrich Super Duper Moderator Founding Member

    Messages:
    2,398
    Location:
    Central FL
    I used to work for liberty mutual and I was always told if it's not excluded then it's covered. The way I understood it the policy had to say something wasn't covered. Just my 2 cents...
     
  19. Slasa

    Slasa Lockers Installed

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    Location:
    Denver
    I am covered under comprehensive.
     
  20. lizardking

    lizardking Bought an X

    Messages:
    91
    Location:
    wilkes-barre, PA
    This.

    I called Progressive and asked them how much extra to cover me off road since the already cover ATVs and SXSs. They told me I was covered. I got it in writing. I called them on it (by running my rear quarter panel into a tree -- not on purpose). They covered it. I didn't lie. I told them exactly what happened. In fact, I kept having to talk the adjuster down because he wanted to fix everything on the truck. Now, the coverage I had was top of the line already and my rates have been higher for the last 2 years but they did cover it. But don't take my word for it. Call your company and check it out.
     
  21. 2011XTERROR

    2011XTERROR Wheeling

    Messages:
    463
    Location:
    Texas
    yeah my company confirmed its not covered. i pay $127 a month and with State Farm it would be $230 or so a month. so that leads in "you get what you pay for" scenario. it's one of those annoying things that make you wonder if $100 a month extra is worth it. yeah, the time something crappy happens i guess it becomes worth it but i wouldn't bother with a claim on minor body damage. mainly if i make my vehicle to where doors won't open or if it's rolled. I have a dent in my right rear quarter panel above my gas lid and i will just leave it be. body damage is inevitable
     
  22. Fromfrontier2Xterra

    Fromfrontier2Xterra I spend more money on comic books than my X Super Moderator Supporting Member

    Messages:
    30,305
    Location:
    All over PA
    This thread got me curious to check as well. I am covered for off road damage thru usaa. The also cover aftermarket parts up to 5k. I can't say enough about usaa. When a drunk hit and totaled my frontier I went from a totaled truck to my current x in exactly one week. No problems at all.

    Sent via my walkie talkie
     
    Last edited: Oct 23, 2014
  23. 2011XTERROR

    2011XTERROR Wheeling

    Messages:
    463
    Location:
    Texas
    well that's fortunate. i don't think i qualify for usaa though, sadly.
     

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