You will need to check with the terms of your policy to see if this incident that caused harm to your engine will be covered or not. Contact your insurance company and read through the terms of your policy to determine if this situation will be covered under your comprehensive coverage.

Normally comprehensive insurance covers damage to your car if it is stolen; or damaged by flood, fire, or animals. You will need to make sure that your insurance policy does not have an exclusion against taking your truck off road and for damages done when doing so.

You should report this loss to your insurance company and discuss the details with their licensed claims adjuster. Insurance company policy guidelines and state laws of what is required of insurance companies vary so that is why you will need to find out from your specific insurance provider if they will cover the damages to your engine or find it to be outside of the realm of your coverage.

Keep in mind most insurance policies won't pay for 100% of the damages to the vehicle, unless you have replacement cost coverage. The company will determine and pay the actual cash value (ACV) instead.

You may need to get specialized insurance for off roading. We have partnered with industry leaders such as Safeco to help you find the best rate for Recreational Vehicles: Motor Homes, Travel Trailers, Classic Cars, and Antique Autos. In addition, we offer services for Off Road Vehicles: Snow Mobiles, Golf Carts, and some miscellaneous type vehicles.