California has the same law. Can't go beyond the fender:
27600. No person shall operate any motor vehicle having three or
more wheels, any trailer, or semitrailer unless equipped with
fenders, covers, or devices, including flaps or splash aprons, or
unless the body of the vehicle or attachments thereto afford adequate
protection to effectively minimize the spray or splash of water or
mud to the rear of the vehicle and
all such equipment or such body or
attachments thereto shall be at least as wide as the tire tread.
This section does not apply to those vehicles exempt from
registration, trailers and semitrailers having an unladen weight of
under 1,500 pounds, or any vehicles manufactured and first registered
prior to January 1, 1971, having an unladen weight of under 1,500
pounds.
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2000 Quad Cab 2500, 4X4, 24V, Auto, Amsoil BHAF, Banks Get-Kit with Ottomind, Banks Monster Exhaust, Glowshift Gauges, Refer Unit Aux. Fuel tank, Firestone Air Ride, Navigon GPS, Opti-lube Xpd