What to do After an ATV Accident
The temporary closing of schools because of COVID-19 has significantly increased the number of off-highway vehicles (OHVs) on the roads. One of the most popular types of OHVs around is the all-terrain vehicle or ATV.
Unfortunately, the increased number of such vehicles on the roads has brought about a corresponding increase in ATV accidents. In Colorado, the Children’s Hospital registered a 118% increase in trauma cases involving ATVs since 2020. Most of these took place during the summer months.
Given these statistics, it is essential to get the proper coverage with an insurance plan such as Santa Fe Toy Insurance. It would also be helpful to know how to deal with an ATV-related accident when it does happen.
Why do I need ATV insurance?
Driving an ATV is undoubtedly fun, but it also entails certain responsibilities. In particular, you have to conform to the legal requirements of owning and operating such vehicles. In response to the growing enthusiasm for ATVs, state legislators have mandated safety measures for ATV users and the public. Among these are special licenses and age restrictions, and requiring ATV or toy insurance when using them in state-owned land.
Some ATV neglect getting toy insurance, thinking that car insurance and homeowners insurance covers such vehicles. But most standard auto policies do not cover ATVs, and homeowner’s policies generally offer only limited coverage.
So, what does ATV toy insurance offer? Off-highway vehicle (OHV) insurance policies typically include the following:
- Liability coverage. This covers policyholders for physical injury and damage to property, including medical expenses and the cost of repairing property damage caused by an ATV accident.
- Collision coverage. This covers costs related to vehicular or property damage after hitting another vehicle or property with your ATV.
- Comprehensive coverage. This covers you for damage to your ATV caused by fires or floods, providing full or partial compensation for necessary repairs.
What do I need to do in case of an ATV accident?
To get the benefits associated with ATV insurance, you will need to file a claim. As with any other type of insurance, this requires going through a specific process and submitting the necessary documents. Here’s what you have to do if you are involved in an ATV-related accident:
- Getting treated for your injuries is always the first step. Make sure to keep all the documents relevant to the incident as well as records of doctor’s visits. These will be necessary when claiming legal compensation from your insurance provider.
- It is always a good idea to take pictures of the incident for documentation purposes. These will serve as evidence for your claim and will be helpful if the case goes to court. It is especially important to take photos of the following in case of an ATV accident:
- The vehicle and any damage incurred
- The surroundings
- Any injuries that you and your companions sustained
If you were involved in a collision, make sure to get the other party’s plate number, contact details, and insurance information. The following will also help strengthen your claim and ensure a favorable resolution:
- If you cause damage to another vehicle or property while operating your ATV, it would be helpful to have witnesses to the incident. In most cases, these would be people who were present at the scene. Make sure to get their contact details in case you need them to serve as witnesses.
- Lawyer’s opinion. It is essential to consult with an attorney that specializes in vehicle accidents to review your case. If you are on shaky legal ground, a lawyer could assess the incident and advise you on your next step.
- Inform your insurance provider. Make sure to send all pertinent details and documentation to your insurance company as soon as possible. Providing all the necessary documents will help ensure that the processing of your claim will go as smoothly as possible.
Whether you buy an ATV for farm work, transport, or recreation, your safety and that of others must always come first. Considering the increasing number of incidents involving ATVs, it is necessary to exercise caution at all times while operating your vehicle.
Of course, accidents can occur at any time. This is why it is vital to be covered by a suitable insurance policy. Doing so could give you the legal protection you need in case of any liability.
About Daniels Insurance, Inc.
At Daniels Insurance, Inc., we have a unique understanding of the risks that businesses like yours face on a regular basis. With the backing of our comprehensive coverages and our dedication to customer service and quick claims resolution, your business will be fully protected. For more information, contact us today at (855) 565-7616.