Off-Road Insurance?

- That's a good shot of Steve. So if you guys don't know, I mean, I know you get frustrated. I know you get frustrated. - Oh, you mother fuckers. (laughing) - Hey, leave the short fat man alone. He was hungover, man. Come on now. - I know you guys get frustrated when we talk about things that you can see on the round table, the Zoom meeting here. - I'll be a part of the round table. - Well, that, and you can also watch the episode on YouTube. Just go over to JeepTalkShow.com and find the YouTube link or go straight to YouTube and just do a search for Jeep Talk Show. You'll find us. Every episode we do is now with live video or recorded live video on YouTube.

All right, so if some of you guys might be remembering some of these questions from last week, well, that was because we didn't get to all the questions. I think we did one question last week.

But it was great, because it was a great conversation. It actually wasn't just about that one question either. All right, so I thought this was kind of a cool question. I've thought about this before, but I don't know what the answer would be. If two Jeeps crash into each other on the trail ride or while rock crawling, who pays for the damage?

- I've always been told the guy going uphill has the right of way.

Because it's easier to roll downhill than it is to go uphill. So if two Jeeps are coming face to face and one guy's going up, you got to get out of his way and just be courteous and know that he's having the hardest time. So don't be a D-bab. - Well, I mean, that might keep the accident from occurring, but what if the accident does occur? That might be a way of establishing who's at fault.

- Yeah, I don't know. - Might be a solution from the Discord channel. I would say whoever's got the most trail cams to catch the footage.

(laughing) - This is Larry's fault. - Oh my God.

- This is Matt from North Carolina. He's both have steel bumpers, so it shouldn't matter.

- This is Larry from St. Louis. I would say it just depends on how much damage we're talking about. You guys bump each other on the trail, then you just go about your own way. We talk about you really destroyed somebody's Jeep because you were being an a-hole on a trail. That's all yours.

- Right, but how do you establish fault? How do you establish who's going to be paying? I mean, there's a possibility that there's the person doesn't even have liability insurance for an off-road only vehicle. They should, but there's always a possibility they don't have that. - Well, an off-road, you don't have to have a street legal vehicle out there on the trail. So there's Jeeps 24-7 where we are in URE. There's Jeeps that are not legal on the road, but they're on the trail. I was actually with Matt a few weekends back. We're going up backside of Diggy Bell, I believe, and we're in a traffic jam, and there's Jeeps coming down above me on not so much a trail, but above me to my driver's side, and I'm just watching this guy, and I'm like, he's going to roll over on me. It's just going to roll down into my Jeep. Nothing happened, it didn't, but at that point, I'm sitting still just waiting for traffic. They decided to go around every which direction, and yeah, I do have dashcams. I have everything set up. I was sitting still, but it would have been on him. I've also seen side by side jump on top of the Jeep in URE, just literally being jackass idiots roll over on top of the Jeep. - Sounds like a good old ass and an ass-flustered man. - Yeah, that's what I'm saying. Whoever's the better fighter. - Yeah, for fun's sake, just beat the fist out of him. I mean, you might lose, but you might win. - Right, so it's in situations, it's life. Had that Jeep rolled over on me on that point? Yeah, he would have been at fault.

Just don't be an idiot. Chuck was saying, you see the trail, the trails are marked. If you're going around or you're doing something stupid, it's going to be on you for doing something stupid. - How do you establish that though? If they do have insurance, how do you establish that they're going to pay? I mean, it's not like you can call the police to come out there and write a report.

- Well, Tony, Tony, I apologize. This is Chuck from Candor. I mean, it's just like the guy that keep your hood. Did he ever pay?