I have crazy ideas about insurance I guess. If a company takes my money and we agree on the terms of that exchange, then I expect them to honor their end of the bargain. If they say they are going to protect my off road vehicle, a vehicle designed to crawl over rocks, go up steep inclines and down scrabbly slopes AND I am willin to pay the fee for that protection, then I see no problem with them stepping up and paying for the fall out should a mishap occur. Otherwise where do you draw the line? Who gets to define what's appropriate for off road vehicle use? If I'm paying for coverage, I damn well should get what I am paying for.