Depends.
What do Jeep ads advertise it as?
I’ve seen ads showing them driving vehicles through mud and other rough terrain as if they are built to handle an6thing.
If they are going to advertise it as such, then people will do such.
IMO, then, the company is liable or should be charged with false advertising.
There is one Jeep advertisement that just blows me away. It’s a picture of a gladiator towing an RV. Jeep claims that they can tow 7000 pounds. But the rear end of that little truck is sagging of a good 6 to 12 inches as the trailer is hitched to the back of it. It does not appear to have a weight distribution hitch on it. If someone were to actually drive that Jerp towing that trailer, it would be extremely extremely dangerous.
The TM branding of Trail Rated means the vehicles passed a torture test in off-road conditions.
They are supposed to ford thirty inches of water no problem. Many incidents of electrical malfunction are due to water intrusion in supposed waterproof connections exists.
The axle lock system is electrically actuated. A malfunction requires an axle swap as the axle locking assembly is not available separately for replacement.
The dual battery system for the six cylinder power-train results in a plethora of malfunctions, especially if the motorcycle scaled second battery located underneath the engine bay fuse box fails. All models have suffered electrical faults from improperly seated fuses, many instances documented of a complete shutdown of all electrical systems.
An alternator’s internals contaminated with mud seems likely to be more of a submergence type event rather than slop thrown from the wheels. The air intake is just below the hood edge midway along the right side. Wonder what the mud deposit line under the hood looks like?