Staying safe is the first priority when it comes to enjoying an all terrain vehicle or ATV. Not only will a few facts about ATV safety assure everyone has fun, but it will also help to keep your ATV insurance rates low by avoiding potential claims.
Myth: ATVs are toys to be enjoyed by all ages
Fact: ATVs are a lot of fun but they are not toys. ATVs are able to travel over 60 mph and can weigh over 700 pounds. Only persons above the age of 16 should be allowed to ride or drive a full size ATV.
Myth: Helmets cause injuries
Fact: Helmets reduce the risk of head injury and can help keep ATV liability insurance rates lower. Take time to be be properly fitted with a helmet before riding or driving an ATV.
Myth: Small ATVs are safer
Fact: Although smaller ATVs weigh less, riders and drivers may still be at risk if they do not understand basic safety regulations required for riding an ATV. In fact, the smaller size might give a false sense of security.
Myth: ATVs are safe
Fact: If handled improperly, ATVs can cause death or injury. According to an article released by the U.S. Consumer Product Safety Commission in September 2006, there were 740 ATV-related deaths in 2003 and 136,000 emergency room visits related to ATVs in 2004.* Always make sure your ATV insurance is up to date (including ATV liability coverage).
* U.S. Consumer Product Safety Commission. "CPSC Launches Major Campaign To Drive Down Deaths and Serious Injuries Associated With All-Terrain Vehicles", September 21, 2006.
The above-listed tips are for informational use only. Refer to your insurance policy contract for specific information regarding your coverages and for actual terms, conditions and exclusions. The above statements are general in nature and may or may not reflect the actual terms of your insurance policy.