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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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Old 08-16-2012, 04:09 PM
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OK, so I am not sure where to put this question so it landed here because of it being an off road question. I have my truck with a loan on it, so of course I have full coverage insurance. If I were to take my truck off roading and got in an accident does insurance cover it as long as where I am is legal and the truck is legal? Thanks for help
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Old 08-16-2012, 04:18 PM
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I'm not sure what you mean by off road, here where I live which is canada if I am in the woods or back country I would be insured. Now living in Nova Scotia just driving on paved roads to me is off road. But some insurance companies act differently so if your going to do some off road just call and ask them
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Old 08-16-2012, 04:31 PM
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I want to go to the silver lake sand dunes, as I am only like 2 hours away from there.
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Old 08-16-2012, 04:34 PM
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Quote:
Originally Posted by AcadianRam View Post
I'm not sure what you mean by off road, here where I live which is canada if I am in the woods or back country I would be insured. Now living in Nova Scotia just driving on paved roads to me is off road. But some insurance companies act differently so if your going to do some off road just call and ask them
^^^^ I agree, just give them a call and ask the question. Better safe than sorry. Some insurance companies are funny about taking your vehicle off road. Last winter a couple of vehicles went through the ice on Lake Simco and from what I read their insurance was null and void.
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Old 08-16-2012, 04:49 PM
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If it's not on a legal public road my insurance company will not cover it. Definitely out in the sand dunes I would be SOL. It all depends on the insurance company but they look at it the same as if you take your car to the track for a track day, you need to get specific coverage for that and it isn't cheap
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Old 08-16-2012, 05:12 PM
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I would contact the insurance company so you have the info straight from the source.
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Old 08-16-2012, 05:20 PM
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Ya, I don't expect them to if i decide to take it out there. I just looked online and couldn't find anything out from searching so I thought I would ask the people on here.
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Old 08-16-2012, 09:42 PM
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I expect them to. They insure my truck, and my truck is a 4x4.

What do they expect you to do with it ??? Drive over parking curbs ????
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Old 08-17-2012, 12:20 AM
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As long as you are not engaged in illegal activity I can't see how they can deny coverage. I checked my policy and there is no mention of no coverage for off roading.
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Old 08-17-2012, 12:25 AM
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