Jeeps go off-road as if they are made for it, because they are. Their trail heritage is without equal.
Unfortunately, going off-road has risks that you need to be aware of.
Insurance may not cover your off-road trips
If you get out on the trail with your Jeep, make sure that your insurance coverage follows you. Many standard automobile policies do not provide coverage for off-road use. Talk to your insurance agent to make sure you have adequate coverage. You may have to switch companies, as some insurers do not provide this coverage. They may drop you altogether if you engage in off-roading.
Different models of Jeeps with different safety equipment may affect your rates. As with any type of motor vehicle insurance, your driving and claims record will affect your rates as well.
Your liability to your passengers may be somewhat different from your on-road trips. Make sure that your insurance meets your expectations about what they will pay if you or another driver injures your passengers.
Watch out for uninsured motorists when going off-road
If you did not realize that your insurance did not cover you when going off-road, you are not alone. Many off-road enthusiasts are not aware of this requirement. So you are likely to encounter many uninsured motorists on the trail. If one of them hits you, you may have to deal with a more complicated situation.
Watch out for problems with the trail
Off-road incidents can also be more complex because you are not on a public roadway that a government designed to a certain standard. This does not mean that the maintainers of a trail or other area you are driving on have no liability. But establishing this liability may be more difficult.
The time to understand all these matters is now. Do not wait until you have an accident before discovering how your coverage works.