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Dodge Ram 4x4 - Offroad Discussion All about Off-Road in here! From prep to execution! Let us know how you roll Off Road in your Dodge Ram Truck!


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  #11  
Old 08-17-2012, 12:27 PM
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Quote:
Originally Posted by Bikenut View Post
"Hi Allstate? Ya, I was out in Glamis and accidentally launched off a witches tit and pretty much crushed my truck. In fact, it's still in the bottom. Can you send an adjuster and a hauler please?"

Allstate agent: "LOL!"

Fail. Denied.
"Launched" implies speeding which is an illegal activity......LMAO

I'm going to ask my brother-in-law this question. He is an auto claims adjuster for an insurance company.
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  #12  
Old 08-17-2012, 01:10 PM
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Quote:
Originally Posted by SFVDOC View Post

I'm going to ask my brother-in-law this question. He is an auto claims adjuster for an insurance company.
Perfect! That's the source we need. It's actually one of those questions Im afraid to ask my agent directly. I know she knows I go offroad quite a bit and don't want to raise a flag, ya know?

Between you and me, should I ever get a boo boo on my truck out in the wild, I'll drag that beast back to the road with my teeth if I have to!
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Last edited by Bikenut; 08-17-2012 at 01:13 PM.
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  #13  
Old 08-17-2012, 01:23 PM
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Between you and me, should I ever get a boo boo on my truck out in the wild, I'll drag that beast back to the road with my teeth if I have to!
That's what my neighbor told me to do also.
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  #14  
Old 08-26-2012, 02:17 PM
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I'm going to ask my brother-in-law this question. He is an auto claims adjuster for an insurance company.
Any news on this topic?
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  #15  
Old 08-26-2012, 05:15 PM
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You will not be covered in any OHV area. There is an entirely separate type of insurance for that.
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  #16  
Old 08-26-2012, 05:27 PM
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Ok here is the scoop here in Maine with Allstate for coverage. My brother a few years back was out in the area where my camp is located, considered private Paper Company roads, and he got broadsided. He exchanged info with the guy who hit him, (the other guy admitted fault), and called his agent upon getting home. The truck was driveable but had sustained thousands of dollars in damage. After some debate with his Insurer, they agreed to cover the accident. The reason for covering it was that it was open to the public, even though it was remote. It was patrolled by law enforcement, Maine State Game Warden Service and Sheriff Dept also had a Camp check program, so this was why they covered it. it would be no differant than getting hit in a parking lot of Walmart. The property is considered private property, however it is open to the public, and is patrolled by local law enforcement. This is the argument I would use for coverage if they said it was not covered. Just my experience in Maine of course.
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  #17  
Old 08-27-2012, 01:46 AM
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Any news on this topic?
After extensive discussion on this topic with my brother-in-law his response was, "I don't know..."

LOL

d
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  #18  
Old 08-27-2012, 02:10 AM
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I am guessing this is gonna be a toss up depending on state/insurer
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  #19  
Old 08-27-2012, 09:51 AM
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Just read your policy.
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