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Ouch! That's gotta hurt!
Interesting. I was under the impression that if you leave a marked road, your insurance no longer covers you.The other thing is that this happened on an off-shoot, not part of the marked trail. The insurance company is within their rights to consider this an off-roading accident. Hope for the best.
Several of my Jeeping buddies and I have had USAA for years and they cover the stupid stuff us Jeepers are prone to do like drive through water that is too deep and sieze the engine or roll over on an unmarked trail. True, we loose our accident free discount for five years but they do take care of us.The other thing is that this happened on an off-shoot, not part of the marked trail. The insurance company is within their rights to consider this an off-roading accident. Hope for the best.