Soon to be JKU owner here. Are there any special considerations with regard to insurance? Generally, does average insurance cover off road activities? Is there a special off road rider that is worthwhile?
One thing to keep in mind is, if you do any upgrades, will they be covered by your insurance should it need to go to the body shop. Some will, some won't from what I have heard, some will cover it for additional charges.
I was in the Auto Insurance business for years as a adjuster. No insurance company is going to cover you if you have an accident while your off road. Your going to need a ORV rider for that and it's not going to be cheap and even then they will not cover everything. If your insurance company is telling you your covered YOU better read the fine fine print. You'll be far better off to tow your jeep back on a road and say you put it in a ditch( Did I really say that) I have over the years denied claims even with a ORV rider. Now that I'm no longer in the Insurance game and a Jeeper I know how the game is played. Just like you have no insurance if you drive your jeep on a frozen lake and have an accident. Read your policy and then read it again or you could be very sorry.
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