Actually, it's not grey at all. If you don't have fenders that cover the full width and mudflaps that cover to the halfway point on your tire, then you're not legal and the cops can fine you if they like.
That said, my JK wasn't truly "legal" when I drove it off the lot - it didn't come with mudflaps. And I've been running it for better than two years without full fender coverage...and I haven't had any issues at all. Unless you run into a cop that has an axe to grind, or your drive like a jackhole, or you speed a lot, or you squirt off a cop for some reason...you probably won't get hassled.
ive been looking for the so called fender law and this is all i can find
Mudguards
64(1) A motor vehicle or trailer must have a part of its body, a
fender or a mudguard that covers the width of each tire.
(2) The body part, fender or mudguard referred to in subsection (1)
must be above each wheel and
(a) extend downwards at the rear of each axle or axle group to
at least the centre line of the axle, or
(b) be a distance away from the ground equivalent to at least
1/3 of the horizontal distance from the bottom edge of the
Section 65 AR 122/2009
VEHICLE EQUIPMENT REGULATION
33
mudguard to the centre line of the axle, but not closer to
the ground than 150 millimetres when the vehicle is
loaded.
(3) In addition to the requirements of subsection (1), the following
types of vehicle must be equipped with rear wheel splash and
stone-throw protection that complies with SAE Standard J682:
(a) a commercial vehicle or combination of commercial
vehicles that is registered for a gross weight of more than,
or that weighs more than, 4500 kilograms and that is not a
bus;
(b) a bus;
(c) a trailer.
(4) A passenger car is not required to have a mudguard.
(5) This section does not apply to a trailer designed and
constructed for drive-on and drive-off low loads.
and from this i see it as i need one of the 3 body part or a fender or a mudflap covering above my tire down to center of the axle
i started a whole new thread with stuff we all have been wondering about