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Exercise Caution with Your ATV

Do you own an ATV (all terrain vehicle)?  Every year, thousands of people are injured in ATV related accidents.  Many individuals mistakenly think that their homeowner’s insurance policy or their auto insurance policy will cover them for ATV accidents.  Unfortunately, this is not the case.  Both the homeowner’s insurance policy and the auto insurance policy exclude coverage for ATVs.  In addition, mopeds and jet skis generally fall under these exclusions as well.

Consult with your insurance agent for further details.  Feel free to comment if you would like my response.

If you own an ATV, check out the following article for some safety tips.

Exercise Caution with Your ATV

Over 16 million Americans enjoy the experience of operating an all-terrain vehicle (ATV). Unfortunately, approximately 600 people die each year and nearly 122,000 are injured each year due to ATV accidents. Injuries and accidents are particularly common for children under age 16. If you own an ATV or operate one, you should advise your insurance agent accordingly to verify that you have proper liability and physical damage coverage in place. In addition, the following safety tips should be followed.

  • Children should be allowed to operate only age-appropriate or “youth” ATVs.  Most youth ATV-related deaths and injuries occur while operating “adult” ATVs.  No child under age 6 should ever be allowed to ride or operate an ATV.
  • Most ATVs are designed for only one person, so children should not take on passengers or be passengers on their parents’ ATV.
  • ATVs should not be driven on paved roads. Because of how they are designed, ATVs are difficult to control on paved roads. Collisions with other vehicles on the road can prove fatal.
  • ATV operators should never drive an ATV without a helmet. Wearing a certified motorcycle helmet can dramatically decrease the chances of a head injury while operating the ATV.
  • All operators should complete a “hands on” ATV training course.  A single class is estimated to be equal to one year of experience. Reputable ATV dealers often provide these classes free of charge to their customers.

Get more personal lines insurance and risk management tips and ideas from IRMI.

Copyright 2009
International Risk Management Institute, Inc.

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