I think its all in how you "relay" the info to your imsurance people. I was with a buddy one night, he took his GMC 2500 (small lift with 35"s) out in the field. We were gonna try a mudhole we had heard about. On the very first run into the pit the truck stuck like a lawndart
all the way to the doors. After trying to pull the thing out with other guys trucks that were there, he called his insurance for some "roadside" help. I was trying so hard to keep from laughing while he explained on the phone how he had slid off the road into this mud that was a good 300ft from the blacktop. I didn't think they would cover it. But, they sent a truck out there and winched it out. He didnt pay a dime.