What to do after an ATV accident
If you’re involved in an ATV accident, make sure to check for injuries, document damage, and, if necessary, contact the police and your insurance company. ATV insurance may cover damage to your ATV as well as injuries or damages that you cause in an ATV accident.
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What are the most common injuries from ATV accidents?
Collisions are a frequent type of four-wheeler accident, but ATVs can also overturn and eject riders off the back. According to the National Library of Medicine, the most observed injuries are extremity and head trauma. Fractures, lacerations, contusions, strains, sprains, and internal organ injuries may also be common in ATV accidents. Always ride with safety in mind — wear gear and protective equipment to reduce your chance of getting hurt while riding your four-wheeler.
Steps to take after an ATV accident
Whether an ATV accident occurs at an ATV park, public trail, or on private property, you should take the same steps:
Check for injuries
See if anyone involved in the ATV accident is hurt and needs medical attention. A paramedic or medical professional should examine anyone that sustained an injury. Even if you or a passenger have no fractures or obvious scrapes, internal injuries may be present.
Document damage and injuries
If you’re able, take pictures of the wreckage, the area around the wreck, and any visible injuries. If necessary, contact the police and make a report. Speak to nearby witnesses and ask if they’re able to provide a statement to the police.
Contact your insurance company
Inform your insurer about the accident. Keep in mind, even if you don’t plan to file a claim, another party in the accident could file a claim with their insurer. The type of policies and coverages you have will determined how you may be covered for the accident.
How does insurance cover an ATV accident?
Damage to your ATV isn’t covered by an auto insurance policy. You need an ATV insurance policy with comprehensive and collision coverage to protect your four-wheeler against physical damage. If you’re liable for someone else’s injuries or damages while riding your ATV, liability coverage under your ATV insurance policy can cover the injured party’s medical bills as well as damage to their property. Find out more about how ATV insurance works.
Does homeowners insurance cover ATV accidents?
While homeowners insurance won’t cover damage to your ATV, personal liability coverage under your homeowners policy may pay for damage or injuries you’re liable for while operating your ATV on your property. Standard homeowners policies won’t offer coverage for ATV accidents that occur away from your home.
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