- Location
- Lafayette, IN
I understand. I'm certainly not the rule-maker or authority on the issue, I just wanted to give my take on the merits of it and why I choose to insure my "trail only" vehicle. As far as liability-only coverage, they don't seem to care whether I hit my friend's car in his driveway (private property) or hit his Jeep at the Badlands (private property). If someone's Jeep rolls on the trail and crashes into mine, I would personally accept that as the risk of what we do. But then again I don't care that much. Some people may throw a fit and insist you compensate them. That's the real benefit to liability insurance, covering damage to other people and their property, not necessarily covering any damage to your own vehicle.
If you're talking comp/collision, I can see an insurance co. being picky about things like is it registered/streetable, is it in decent shape or already beat up, etc.
I'm certainly not saying you have to, and I'm sure plenty of people with trailered rigs don't carry insurance on them at all. Again, just explaining why I choose to do it. I think it's a worthwhile issue to bring up though, and perhaps there was an issue in the past and that's why it's in the rules now. Someone from the BOD can probably explain it better than I can. Given that the Badlands has it in their rules list at all (and other parks might as well), maybe we don't need it as a rule and can leave it up to the parks to enforce that.
Cliff's notes, I think it's a good idea to be insured, but I'll let the elected people choose to keep it or drop it and explain the reasoning.
