There are around 10 million all-terrain vehicles (ATVs) in the United States and over 16 million operators.
Unfortunately, approximately 700 people die, and over 100,000 people are injured annually due to ATV accidents.
Injuries and accidents are prevalent for children under the age of 16. The alarming increase in injury and death from ATV usage is attributable not just to increased use but also to the production of larger, faster, and more powerful ATVs.
Liability Coverage and Limits
If you own or operate an ATV, you should inform your insurance agent accordingly to verify that you have proper liability insurance coverage and limits.
Legal Waiver
You should also work with an experienced attorney to draft a waiver agreement for any guest who wishes to ride or drive the ATV. If they do not sign the waiver, the ATV should not be used.
Safety Tips
Children should be allowed to operate only age-appropriate or “youth” ATVs. Most youth ATV-related deaths and injuries occur while operating “adult” ATVs. Children under age seven should never 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’ ATVs.
ATVs should not be driven on paved roads. Because of their design, they are difficult to control on paved roads, and collisions with other vehicles 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. One class is estimated to equal one year of experience. Reputable ATV dealers often provide this class free of charge to their customers.
Source: International Risk Management Institute, Inc. Copyright 2015
Visit Our Personal Insurance Page
Life is an ever-changing journey, and it deserves a thoughtful, comprehensive plan to protect the things and people that matter most. Our dedicated team at Murphy Insurance is here to assist you in creating that plan. With a wide range of product options at our disposal, we ensure that your plan is tailored precisely to your requirements. Our commitment to providing clear, intelligent guidance to help you achieve true peace of mind. Learn more about our personal insurance portfolio.