[QUOTE: A correlative "small print" issue, It states on every contract "no off paved road driving." Yet they rent 4wd vehicles and jeeps. But if you vehicle was damaged going off road, the LDW would not cover. I routinely see this clause invoked to deny ldw benefits. The use of a AWD via "fraud or misrepresentation" would be no different.[/QUOTE]

This is hardly a risk at all. Unpaved road driving is very safe, unless you drive like an idiot. The chances of any kind of problem is probably much less than the risk on a paved road, since there is so much less traffic (almost no accidents), and modern cars hold up very well. I'm not talking about a jeep road here that requires 4WD to negotiate, but rather an ordinary reasonably maintained 2WD dirt road. I have experienced ALL windshield rock damage on PAVED roads, which is understandable because speeds are much higher and traffic is much heavier.

There is also the corollary issue of their car not holding up. Then it's their problem. This can happen anywhere, such as a flat tire. That's not the driver's fault or concern. Simply mount the spare, and you're on your way. Their vehicle failed.