Rolled a broco sport outerbanks

Champion I

Jun 1, 2020
546
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Annapolis, MD, USA
First Name
Robert
Last Name
Bickle
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0183

I worked in the industry and I've never heard of such a thing. Are you talking about insurance for racing?
No. And excuse my ignorance…I am in tech, not insurance, but on Jeep Forums I have read that som,e insurance companies don’t cover off-trail and/or off-road. A few insurance blogs talk about it in relationship to Jeep’s and SUVs, but never give specifics. There is a lot on ATVs, etc.
 

AcesandEights

Rank V

Promoter II

Oct 22, 2020
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Oregon, USA
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Aresenio
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Beckman
Insurance is for liability and negligence, and your typical auto policy will have some exclusions, but they are pretty limited. Almost always, if you are at-fault (liable) and negligent (did something wrong), you're covered. Every state sets their own specific rules, although they're all kinda close.

So, if you're acting like a jackass and you run into someone's car, it is a covered loss (based on whatever coverage you have). So, drive off the road and if it's not an exclusion (like being in a "race", or intentionally causing the damage) you should be covered. Another way to look at it; insurance is there for (sometimes stupid) mistakes.
 

Jakob1972

Rank VI

Champion I

Aug 17, 2020
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Guadalupe River State Park TX, USA
First Name
Steven
Last Name
Jakob
Member #

1100

My wife sent me this story.
Wow that is the saddest thing and the most uplifting thing I have read in a long time.
I’m sad because of the damage to the poor sport. It is possibly totaled. But the support from the off-road community is really amazing. Also the thing drove out under its own power, good job Ford.