All terrain vehicle insurance tends to be the last thing on your mind when buying a new ATV, but insurance and safety should be the first things you think about. Contrary to popular opinion, ATVs are not toys and can result in serious injury or even death if not used properly. Before purchasing an ATV, here are some safety tips you should know.
ATVs are different than cars or even motorcycles. Even if you have years of driving experience, it is always a good idea to take an ATV safety course. Buyers of new ATVs are often eligible for a free ATV Rider Course. To enroll or find out if you are eligible visit www.atvsafety.org or call 800-887-2887.
Never operate an ATV on public roads. ATVs are designed for off-road use and pavement can seriously impact the ability to steer and properly navigate.
Use proper protective gear when riding. Protective gear for an ATV includes a helmet, eye protection, boots, gloves, pants and a long-sleeved shirt at a minimum.
Always carefully inspect the ATV before riding and carry a tool kit for quick maintenance.
Don't ride alone. If you are involved in an accident or injury, then riding in a group assures help is on the way.
Never drive under the influence of alcohol or drugs.
Never carry passengers on an ATV designed for single riders.
Know the terrain before riding.
Understand state and local laws.
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.