Insurance claim and rolling the Jeep

[fdsa487]

What does the insurance company do? If you are off road do they usually always cover the vehicle? Im just curious. I have full coverage and wondering about this. The wife asked me and I didn't know how to answer. Does anyone have experience with this?

I have Progressive.

[Slo-Sho]

You will have to call your agent on that one. There could possibly a 'clause' that can screw you.

[fdsa487]

You will have to call your agent on that one. There could possibly a 'clause' that can screw you.

That would suck. I thought if you have full coverage that meant full coverage! What the hell.

[Root Moose]

That would suck. I thought if you have full coverage that meant full coverage! What the hell.
Full coverage on roads - yes.

Off-road tends to need additional coverage.

[Del00XJ]

Hmm, i'm an estimator at my dad's bodyshop and i've handled multiple situations like this. Another estimator here does only Progressive claims but he decided to skip out today. In the past i've had people "venture off-road" and it turned into a mishap. For instance, today, a 17 year old gal and her 05' Mercury Mariner ventured in on flatbed today because she decided to venture into the woods. Her boyfriend met the truck and he said they just turned down a dirt road and bam! sunk mid way up the doors in mud. The empty condom wrappers and water fowled k-y proved they were looking for a tad more then the dirt road. But, depending on year of your XJ and some other things it will still be followed as a "collision" and they will pay along with you paying your deductable. Your insurance rates will increase more then a normal two car wreck though. Progressive though, my best to deal with...

[fdsa487]

Hmm, i'm an estimator at my dad's bodyshop and i've handled multiple situations like this. Another estimator here does only Progressive claims but he decided to skip out today. In the past i've had people "venture off-road" and it turned into a mishap. For instance, today, a 17 year old gal and her 05' Mercury Mariner ventured in on flatbed today because she decided to venture into the woods. Her boyfriend met the truck and he said they just turned down a dirt road and bam! sunk mid way up the doors in mud. The empty condom wrappers and water fowled k-y proved they were looking for a tad more then the dirt road. But, depending on year of your XJ and some other things it will still be followed as a "collision" and they will pay along with you paying your deductable. Your insurance rates will increase more then a normal two car wreck though. Progressive though, my best to deal with...

It will increase more than a 2 car wreck? That sucks.

[Rev Den]

Well....as I have claimed a "off-road" accident with mine....

1st - You are NEVER off-road, you are on an rural road, farm road, private road...etc.
2nd - You are in a "non-competitive event", most insurance will not cover competition with the base policy.
3rd - You WERE on a road.

JMHO, I had Allstate.

Rev

[fdsa487]

Well....as I have claimed a "off-road" accident with mine....

1st - You are NEVER off-road, you are on an rural road, farm road, private road...etc.
2nd - You are in a "non-competitive event", most insurance will not cover competition with the base policy.
3rd - You WERE on a road.

JMHO, I had Allstate.

Rev

Very good to know.
How about a County Maintained dirt road.

[ZPD]

Once I was "camping" on the rubicon trail (which is actually a county road although the name escapes me) and I slipped off the trail while driving and rolled it. The insurance estimator looked at me with a smirk and said, "I'll will add some to the value of your Jeep since you had it modified." He gave me a check for $3800, I bought it back for $180 and I sold it a year later for $2500- I was probably lucky though. They will rape you on rates after making a claim like that. My rate for a salvaged 91 Jeep with liability only was more than twice what we were paying for my wife's then new '03 car with full coverage.

[fdsa487]

Once I was "camping" on the rubicon trail (which is actually a county road although the name escapes me) and I slipped off the trail while driving and rolled it. The insurance estimator looked at me with a smirk and said, "I'll will add some to the value of your Jeep since you had it modified." He gave me a check for $3800, I bought it back for $180 and I sold it a year later for $2500- I was probably lucky though. They will rape you on rates after making a claim like that. My rate for a salvaged 91 Jeep with liability only was more than twice what we were paying for my wife's then new '03 car with full coverage.

Yeah but you can always buy it back and then take all your good stuff off. Im just wondering if the insurance will cover a $700 bumper and a $1000 roof rack and aftermarket lights and what not now.

[Rev Den]

Very good to know.
How about a County Maintained dirt road.

Yup :D

I backed, or rather rolled OVER a pristine CJ-5 on a Jeep Jamboree, on a trail.....whoops.

Luckly....the guy was a buddy of mine...and my insurance bought him a new YJ...BTW, my rates did not go up....at all.

Rev

[shortxjdoug]

I backed, or rather rolled OVER a pristine CJ-5 on a Jeep Jamboree, on a trail.....whoops.



i want pictures............ now :D

[fdsa487]

How easly do they total out XJ's?
Lets say a mild amout of roof damage, door damage (wont shut right hits fender and dented) window wont roll into place, front clip fiberglass broken above blinker on one side, hood pushed backwards, plastic vent piece broken behind hood, off roof rack mounts bent tail light cracked, rear lower quater pannel smashed and unidentified noises coming from suspension on road. :laugh3:

[Rev Den]

i want pictures............ now :D

That was a while ago...about 12 years.

I will have to look for pics.

Rev

[ZPD]

Yeah but you can always buy it back and then take all your good stuff off. Im just wondering if the insurance will cover a $700 bumper and a $1000 roof rack and aftermarket lights and what not now.
Usually they do not. I got an aftermarket stereo stolen once and they gave me check for the value of the reciept that I had for the stereo but I doubt they add the value of every mod that you have done into the value of your vehicle. I have Hagerty insurance on my classic Mustang. With them I "declare" a value for my car that they agree to. If it gets stolen or totaled then they pay out that amount (pending I wasn't racing etc).

With all the mods that people do to cars these days I am sure that some insurance companies will do something similar but you will have to ask them.

[OverlandXJ]

Trail 12 at Tellico during the Smokey Mountain Venture?

Edit: OOOPs, you said JJ.

Yup :D

I backed, or rather rolled OVER a pristine CJ-5 on a Jeep Jamboree, on a trail.....whoops.

Luckly....the guy was a buddy of mine...and my insurance bought him a new YJ...BTW, my rates did not go up....at all.

Rev

[fdsa487]

:smoker:

[Blaine B.]

You were driving on a paved road when suddenly, you were in the ditch and it rolled.....

[fdsa487]

Does it sound normal that an insurance would have to call a vehicle a total loss if there are dents on all side? Even though they are not that bad of dents and no windows are broken?
They also said that it might not be able to be bought back because $ is owed on it What gives?

[Root Moose]

It's basic economics.

If the body work costs more than the value of the Jeep then they will write it off.

If the damage repairs cost more than the lein that is on the truck then the truck belongs to the finance company and they get to decide what to do with. If you owe $6k on a $8k Jeep then the finance company owns the Jeep, not you. If the damage to repair cost ~$3k at normal shop rates then the finance company definately owns the truck outright at that point. If you can come up with the money to pay the insurance company and the finance company to buy back their interests then you can buy the Jeep - but at that point why did you finance?

[Kejtar]

you call it in
they look at it
they make you an offer
you ask for buyback

you strike a deal


When you roll it your best bet is to get it towed to your house and you keep control of it.

When I rolled mine it took about 9 days from calling it in and payoff with me buying it back. I did roll mine on highway though but I did total it (tire blew out and I lost a bead in a turn).

[IslanderOffRoad]

I work for Farmers

Off road driving isn't covered, neither is damage incurred by off road driving.

Aftermarket parts need an endorsement, typically insurance companies cover the first 500 or 1000 in a/m parts, after that you're on your own. And if you want it covered, you better have a reciept.

[fdsa487]

you call it in
they look at it
they make you an offer
you ask for buyback

you strike a deal


When you roll it your best bet is to get it towed to your house and you keep control of it.

When I rolled mine it took about 9 days from calling it in and payoff with me buying it back. I did roll mine on highway though but I did total it (tire blew out and I lost a bead in a turn).

Mine is a 2000 only 80K miles and in (well was in) almost perfect condidition. They are saying that I might not be able to buy it back because there is a lien on it. I dont get it. Woulden't they pay off the lienholder and offer for me to buy it back way less because it is a salvaged vehicle?

[fdsa487]

I work for Farmers

Off road driving isn't covered, neither is damage incurred by off road driving.

Aftermarket parts need an endorsement, typically insurance companies cover the first 500 or 1000 in a/m parts, after that you're on your own. And if you want it covered, you better have a reciept.

I was not off road.

[IslanderOffRoad]

Does it sound normal that an insurance would have to call a vehicle a total loss if there are dents on all side? Even though they are not that bad of dents and no windows are broken?
They also said that it might not be able to be bought back because $ is owed on it What gives?

Leinholers don't like salvage title vehicles because people tend to not to want to continue paying for them.

Its all about value of the vehicle vs cost to repair. XJ's are unibody and unibodies crush like beer cans in a rollover.. if the floorpan has alot of creases and dents in it, they'll never be able to fix it.

[Kejtar]

Mine is a 2000 only 80K miles and in (well was in) almost perfect condidition. They are saying that I might not be able to buy it back because there is a lien on it. I dont get it. Woulden't they pay off the lienholder and offer for me to buy it back way less because it is a salvaged vehicle?
That's why you tow it to your driveway and you stick to your guns. You have the insurance company pay off the vehicle directly to the lienholder. The issue is that when it's scrapped it's the insurance company that keeps it and not the lienholder and the lienholder part would only contribute to extra paperwork (for them). If you let them take it to have it examined you might never see it again.

I have allstate and they sent someone out to my driveway to look at it. They offered numerous times to tow it to a facility of theirs but I kindly declined each time.

[fdsa487]

That's why you tow it to your driveway and you stick to your guns. You have the insurance company pay off the vehicle directly to the lienholder. The issue is that when it's scrapped it's the insurance company that keeps it and not the lienholder and the lienholder part would only contribute to extra paperwork (for them). If you let them take it to have it examined you might never see it again.

I have allstate and they sent someone out to my driveway to look at it. They offered numerous times to tow it to a facility of theirs but I kindly declined each time.

It is in my driveway. I drove it home just fine. There is no way that im letting them take it, but i'll be nice about it unless they get dirty.

[Kejtar]

Off road driving isn't covered, neither is damage incurred by off road driving.

I don't know about you but every time I'm 4wheeling I'm on a road that is someplace on a map and is recognized by some sort of authority.


Aftermarket parts need an endorsement, typically insurance companies cover the first 500 or 1000 in a/m parts, after that you're on your own. And if you want it covered, you better have a reciept.
That's why I bought mine back :) Also keeping receipts is a good idea.

[Blaine B.]

If no windows are broken and it runs fine, I don't see the need for an insurance claim?

[johnnyc]

I got a settlement from Mercury after rolling my Jeep on a county maintained road (aka Rubicon Trail). They gave me $4800 and I bought it back for $500.

And I just renewed my insurance and it didn't go up very much...about $60 for a 6-month policy.

http://img.photobucket.com/albums/v702/xjohnnyc/IMG_0082.jpg

[fdsa487]

If no windows are broken and it runs fine, I don't see the need for an insurance claim?

The hood is pushed backwards and hardly lifts up, front light tabs on the bumber are broke and allot of the fiberblass on the front clip is broken. The roof rack is bent in, roof is dented in and the passanger door hardly opens.

[IslanderOffRoad]

I don't know about you but every time I'm 4wheeling I'm on a road that is someplace on a map and is recognized by some sort of authority.


I can see your argument, but I've never had that one presented to me.

What about a place like Glamis or Pismo? Not really any specific trails there.

The biggest problem that most companies have with the off roading damage is that people feel the need to lie about it. For example I recently did a claim on a vehicle that had tons of Mojave pinstripes on it, including one that was very deep. The claim was that the vehicle had been keyed. There was mud everywhere under the hood and under the vehicle.

If you want to duke it out with your insurance company to cover an off road loss, thats fine, but don't lie and claim it was an on road or vandalism loss. That makes all of us 4 wheelers look bad in the eyes of the insurance company, much like reckless trail littering drunk 4 wheelers make us look bad to the authorities.

[cracker]

How about a couple of pics so we can tell you how bad it is?

[Blaine B.]

County Maintained Road....I bet they shit themselves when they found out that was actually true!

[Billfaceeee]

My friend has a Tacoma that's lifted with a custom bumper built with tubing and he thought it was indestructible and pushed open some automatic gates (for gated communities) and then proceeded to drive like the drunk bastard he was and hit a concrete light pole with his front left bumper and tire. His coverage paid for a new bumper, wheel, coil over shock new Goodyear M/T tire and some other stuff. With my luck they'd cover a re-paint hahha.

[Blaine B.]

LOL.....pushing through a gate!

[Kejtar]

I can see your argument, but I've never had that one presented to me.

What about a place like Glamis or Pismo? Not really any specific trails there.

I don't actually wheel there so in my case it doesn't apply.

The biggest problem that most companies have with the off roading damage is that people feel the need to lie about it. For example I recently did a claim on a vehicle that had tons of Mojave pinstripes on it, including one that was very deep. The claim was that the vehicle had been keyed. There was mud everywhere under the hood and under the vehicle.

Well that's different.

If you want to duke it out with your insurance company to cover an off road loss, thats fine, but don't lie and claim it was an on road or vandalism loss. That makes all of us 4 wheelers look bad in the eyes of the insurance company, much like reckless trail littering drunk 4 wheelers make us look bad to the authorities.
Define off road? I think offroad is vague and misleading. Off Pavement is probably accurate for most people here. Off Road is not (unless you're traveling in a wash but then I believe state of CA considers dry washes valid roads or something like that). Anyways it comes back to semantics but
Rubicon Trail is a road.
Lower Doran is a road (a scenic loop or something like that)

Would you call damage incurred on those as off road travel? If so I think the insurance company would be liable to a lawsuit because both of those are state recognized and blessed and approved roads. Fact that they are in bad condition is a different story.

[Mr.OverKill]

we said we want PICS!!

[IslanderOffRoad]

I don't actually wheel there so in my case it doesn't apply.

Well that's different.

Define off road? I think offroad is vague and misleading. Off Pavement is probably accurate for most people here. Off Road is not (unless you're traveling in a wash but then I believe state of CA considers dry washes valid roads or something like that). Anyways it comes back to semantics but
Rubicon Trail is a road.
Lower Doran is a road (a scenic loop or something like that)

Would you call damage incurred on those as off road travel? If so I think the insurance company would be liable to a lawsuit because both of those are state recognized and blessed and approved roads. Fact that they are in bad condition is a different story.

Honestly I'd have to check. I've always been told at work that off road driving is not covered. I'll be the first to admit, its rather vauge.

[fdsa487]

we said we want PICS!!

Alright!!!!!!!!!!!! I put up a pic tonight. I was conserned about everyone being okay in the vehicle that I only got like 1 or 2 pictures and its after the Jeep is already back on its feet. Me, my friend Dale, and my wife were able to dig holes under the tires that were lying on the ground and actually tilt the jeep over ourselves. No winching at all. I was pretty impressed. My transmission fluid was pouring out of the fill hole so I had to pick it up quick.

[fdsa487]

https://onlineservice4.progressivedirect.com/SelfService.Web/assets/images/direct/bgStepChecked.gif Repairs to 00 JEEP CHEROKEE4X4SW (javascript:void(0)) Details:
Vehicle has been deemed a total loss
CompletedSo that is my online update. Now I just need to get a call and work out the BSSSSSSSSSSSSSSSSSSSSSSSSSSSSSSSSSSSSSSSSSSS
WTF so lame. I might just drop the claim if they are going to F me out of this. Otherwise im going to spend the next 3 days putting my jeep back to stock because that is what they are insuring is a stock vehicle.

[red91]

I've always been told at work that off road driving is not covered. I'll be the first to admit, its rather vauge.


Your right, at work "off-road" probably would NOT be covered. But you get into the technical, legal, vague descriptions and most roads that are maintained to ANY degree are just that. ROADS. So you are not "off" the road.

Sometimes that fine line works for you, and sometimes against you.

[ebxjbob]

If it happens to you look around for old maps etc, if what you were driving on has or had a name its a road, reguardless of if its dirt

My friend rear-ended my chevy blazer when I was stopped (which was good because I then got a Jeep) and he was going 45 on a shitty road in the woods in my town. I looked into it before I made the insurance claim and found the name of the road, it was actually an old farm road.

I made the claim with that road name, in the report I did mention it was dirt, and no one ever blinked an eye, got $4800 for a crappy blazer.

I'm sure it made it easier since my friend didn't contest fault, he did almost kill me

but whats been said above about a lot of trails being roads holds true with an insurance claim, just need to look back and figure out what the road name is, also a good idea to clean up your rig too, I bet I could have gotten an even 5k if mine wasn't caked in mud

[YELLAHEEP]

Be very careful fellas. With regard to making a full coverage claim to have your rig repaired or "totaled", don't get caught up in the "fib a little about where it happened, how it happened" stuff. Just because one of your friends did a similar thing and got paid, doesn't mean it'll work for you.

Some insurance companies actually "flag" claims associated with vehicles that could have been used off road. When the adjuster comes out to take pics of the damage and sees the winch, rock rash, roll cage, and other indicators, they'll be all nice to your face, tell you "Oh yeah, we'll need to total this. We'll be in contact once we've entered this into the system and have a value assessed for your vehicle." .....but send your file right to their claims investigations division.

The claims investigator will call you, but won't voluntarily state that he's an investigator. He'll ask for police accident reports, any photos taken at the scene of the accident, map showing the location of the accident and will check to see that it's an actual maintained road. When you can't provide any or all of these items, they raise their eyebrows in suspicion. Then they look at the photos the adjuster took of the damage.... which also just happen to include any club affiliation stickers.... and they'll do some Google surfing to see if they can find the club website and show that the vehicle is used off road.... and likely find pics of your rig in a "compromising" position after attempting an obstacle..... You'll be asked to meet them so they can take a look at your rig, and get a statement from you. When they show up, the adjuster whips out the tape recorder and asks you to tell them about how the accident happened "just so that I don't mix anything up"..... Then shows you the screen caps of the website, your trail pics..... and asks "ok, how did the damage happen again?"........

You can very quickly find yourself on the threshold of Insurance Fraud. The second you sign for the settlement check, you're hip deep into it......

[Rev Den]

Mr. Heap is correct....HOWEVER...

We are NEVER off-road, NEVER.

Even in an park, we are on park roads, farm roads, or private drives. As far as my insurance goes...the big concern is "non-competitive", where is not really a big deal....but always be upfront...just choose your words carefully.

Rev

[Blaine B.]

Obviously pictures are old, you can offroad ANYTIME and they can't say you were automatically offroading at the time of the accident just because you had some pics online or whatever........that's like saying Michael Jackson isn't a child molester.

[johnnyc]

Be very careful fellas. With regard to making a full coverage claim to have your rig repaired or "totaled", don't get caught up in the "fib a little about where it happened, how it happened" stuff. Just because one of your friends did a similar thing and got paid, doesn't mean it'll work for you.

Some insurance companies actually "flag" claims associated with vehicles that could have been used off road. When the adjuster comes out to take pics of the damage and sees the winch, rock rash, roll cage, and other indicators, they'll be all nice to your face, tell you "Oh yeah, we'll need to total this. We'll be in contact once we've entered this into the system and have a value assessed for your vehicle." .....but send your file right to their claims investigations division.

The claims investigator will call you, but won't voluntarily state that he's an investigator. He'll ask for police accident reports, any photos taken at the scene of the accident, map showing the location of the accident and will check to see that it's an actual maintained road. When you can't provide any or all of these items, they raise their eyebrows in suspicion. Then they look at the photos the adjuster took of the damage.... which also just happen to include any club affiliation stickers.... and they'll do some Google surfing to see if they can find the club website and show that the vehicle is used off road.... and likely find pics of your rig in a "compromising" position after attempting an obstacle..... You'll be asked to meet them so they can take a look at your rig, and get a statement from you. When they show up, the adjuster whips out the tape recorder and asks you to tell them about how the accident happened "just so that I don't mix anything up"..... Then shows you the screen caps of the website, your trail pics..... and asks "ok, how did the damage happen again?"........

You can very quickly find yourself on the threshold of Insurance Fraud. The second you sign for the settlement check, you're hip deep into it......

Definitely hear what you're saying, Troy.

When I filed my claim, I did not try to deceive my insurance company. I told them that I was on a dirt road near Buck Island Lake. And I told them I was going down a short steep rocky section when I rolled. They never blinked an eye.

And when the adjuster came to my place to take pictures, he could clearly see that the Jeep had been "off-road". He said that it was a shame and that he was an off-roader himself.

Maybe I just got lucky or my insurance company is more understanding than others.

[fdsa487]

Im going to wait until the entire ordeal is over with to post pictures. Thanks.

[casm]

I went through this a couple of years ago with AAA when my XJ and I went swimming. As stated previously in this thread, the first thing to remember is that you are never, EVER 'off-road'.

Part of the fight with them was getting them to understand that the road I was flooded out on - while not having a street name - was a catalogued USFS road with an N-number (3Nsomethingorother, I forget what) open to public travel. It also happened to be the only route to and from the residence I was visiting. Once they got those concepts straightened out in their minds (and undoubtedly spoke with their lawyers), I was able to get them to go ahead with sending me a cheque.

The other part of the fight (which was actually a lot worse) was that they'd keep changing the spec of the totalled vehicle with every new offer they sent me. One offer would have power windows and locks, but they'd disappear on the next one, at which point it would gain power mirrors. I finally ended up faxing them a copy of the option sheet along with receipts for some of the stuff that was in or had been changed on the vehicle and told them to issue an amount based on that.

Oh, yeah, and they left the vehicle sitting in the stream for THREE WEEKS before bothering to recover it. Not that I really cared - the windows getting broken, interior vandalised, things stolen from it, and potshots being taken at it all reduced the scrap value of what was now THEIR vehicle, and made up somewhat for the bulls*** I was having to deal with in getting them to handle the situation. Funnily enough, my rates actually dropped by about $30/month after replacing it with the new XJ, but that's apparently down to them classifying 2001s as SUVs, and 2000s as station wagons.

What I learned during this process was the following: catalogued routes and designated OHV areas under Federal, State, or local maintenance are generally considered to be on-road. However, this depends on the terms of the policy you've taken out; not all will cover you if you go off-pavement. YMMV, so check with your policy carrier.

[fdsa487]

Okay, so here is the deal they are offering me.

They will either pay the lienholder all but $1,000 of the total lien and I get to keep the vehicle. (I do not yet know if it will then have a salvage title, but I don't think they can put a salvage title on it unless its been fully inspected)

The 2nd offer is that they will take the vehicle and my lien will be free and clear. They will also allow me to remove my bumpers, winch, & roof rack but the vehicle has to be able to "roll" they say so that would mean leaving on the TNT kit and the axels sinse I do not have the stock parts or springs or anything to put back on. Even the 50% tread 33's and black rims would have to go with it.

I do not think the 2nd offer is a benefit to me. I can pay off the remaining $1000 easly by just makeing my regular $200 / mo. payment. Anyways I'll take some pictures of the damage and get back to y'all.

[Kejtar]

no question: take #1
Engine, tranny, tcase, axles, tires, some interrior pieces are definately worth more then $1K.....
Okay, so here is the deal they are offering me.

They will either pay the lienholder all but $1,000 of the total lien and I get to keep the vehicle. (I do not yet know if it will then have a salvage title, but I don't think they can put a salvage title on it unless its been fully inspected)

The 2nd offer is that they will take the vehicle and my lien will be free and clear. They will also allow me to remove my bumpers, winch, & roof rack but the vehicle has to be able to "roll" they say so that would mean leaving on the TNT kit and the axels sinse I do not have the stock parts or springs or anything to put back on. Even the 50% tread 33's and black rims would have to go with it.

I do not think the 2nd offer is a benefit to me. I can pay off the remaining $1000 easly by just makeing my regular $200 / mo. payment. Anyways I'll take some pictures of the damage and get back to y'all.

[Kejtar]

no question: take #1
Engine, tranny, tcase, axles, tires, some interrior pieces are definately worth more then $1K.....
Okay, so here is the deal they are offering me.

They will either pay the lienholder all but $1,000 of the total lien and I get to keep the vehicle. (I do not yet know if it will then have a salvage title, but I don't think they can put a salvage title on it unless its been fully inspected)

The 2nd offer is that they will take the vehicle and my lien will be free and clear. They will also allow me to remove my bumpers, winch, & roof rack but the vehicle has to be able to "roll" they say so that would mean leaving on the TNT kit and the axels sinse I do not have the stock parts or springs or anything to put back on. Even the 50% tread 33's and black rims would have to go with it.

I do not think the 2nd offer is a benefit to me. I can pay off the remaining $1000 easly by just makeing my regular $200 / mo. payment. Anyways I'll take some pictures of the damage and get back to y'all.

[fdsa487]

no question: take #1
Engine, tranny, tcase, axles, tires, some interrior pieces are definately worth more then $1K.....

True! Today is Monday so I will hopefully be settleing this matter today. :)

[fdsa487]

Now I need to do this to my Jeep.

http://i5.photobucket.com/albums/y153/fdsa487/Myjeepsoon.jpg

[cracker]

Great!

More work for Troy :D

[fdsa487]

This is the worst side of the Jeep, post roll. =)
http://i5.photobucket.com/albums/y153/fdsa487/IMG_0050.jpg

[fdsa487]

Now I own it, free and clear.

[cracker]

This is the worst side of the Jeep, post roll. =)
http://i5.photobucket.com/albums/y153/fdsa487/IMG_0050.jpg

Wow. It is BIG and RED. :D

[stewie]

from the pic, it doesnt look too bad. i say KEEP IT!! continue the payments until payed off and just use it. it makes cutting all that much easier when the bank dont own it anymore and even more so with a salvaged title (automaticaly happens for vehicles declared a total loss by ins.). or you could just keep it the way it is and not cry about future body damage!

[fdsa487]

from the pic, it doesnt look too bad. i say KEEP IT!! continue the payments until payed off and just use it. it makes cutting all that much easier when the bank dont own it anymore and even more so with a salvaged title (automaticaly happens for vehicles declared a total loss by ins.). or you could just keep it the way it is and not cry about future body damage!

I will keep it. I probably will chop the top after I get my new place next year.
I hope to be ready for Johnson Valley. I have not even gone under the jeep to inspect. There are a few noises but nothing major (i think)

[GPK007]

Thats not that bad I did alot worse as a teen. Bondoed the crap out of it and drove it for another year then I blew it up fording a river.

Also Always remember "If you wanna play you gotta Pay"
At some point you have to let go of the Ins. covering you "Off-Road" and accept responsibilty for pushing the limits of your rig.

Just my .02

GPK