What Every ATV Rider Should Know Before They Go
Allstate Provides Safety and New York State Law Information to Riders
This season of the year, children have more free time to enjoy outdoor activities, including ATVs. Riders of all-terrain vehicles and off-highway motorcycles will always get the most enjoyment by riding smart and riding safe.
An ATVSafety.gov spokesperson states that children are involved in about one-third of all ATV-related deaths and hospital emergency room
injuries. Most of these deaths and injuries occur when a child is
driving or riding on an adult ATV.
Parental supervision is a key element to a child’s safety, and
children under the age of 16 must be supervised at all times when
operating an ATV. ATVSafety.gov says there are 10 important things
riders should know before they go:
1. ATVs are not toys! They are powerful and potentially dangerous vehicles.
2. ATVs can travel at speeds in excess of 60 miles per hour and
can weigh in excess of 700 pounds.
3. ATVs can easily roll and tip over. Their unpredictable nature
in off-road conditions makes training and proper use essential.
4. In 2009, there were an estimated 781 deaths associated with
ATVs, including 93 reported deaths that involved children. In 2009, an
estimated 132,000 ATV-related injuries were treated in hospital
5. All riders should always wear a helmet when on an ATV.
6. About one-third of ATV-related deaths and injuries involve
children. Anyone younger than 16 years of age should never be on an
7. Stay off paved roads and avoid unfamiliar terrain.
8. Never carry a passenger on a single-rider ATV.
9. Do not drive an ATV while under the influence of alcohol or drugs.
10. All riders should take a hands-on safety training course.
According to the New York State Department of Motor Vehicles,
insurance coverage is required unless you drive the ATV only on your
private property. “Allstate’s off-road vehicle policies are designed
with riders’ needs in mind,” says Allstate New York spokesperson
Jaclyn Darrohn. “If you own an off-road vehicle, there’s a good chance
we can help you protect it, and yourself, in case of an accident.”
NYDMV further states that one may not operate any ATV anywhere in New
York State, except on your own property, unless it is covered by
liability insurance. You must show proof of this insurance upon the
request of a judge, the police or a person claiming to have suffered
injury or property damage from your operation of the ATV.
Allstate recommends protecting yourself and your family with:
· Liability Coverage
Typically helps protect you for damages to others if you’re at fault
in a covered accident.
· Guest Passenger Liability Coverage
Typically helps protect you for bodily injury to a passenger on your
ATV, if you’re at fault in a covered accident.
· Medical Payments Coverage
Typically provides payment for reasonable and necessary medical
treatment for you or another insured person after a covered accident.
· Underinsured/Uninsured Motorists Coverage
Typically protects you for covered damage caused by drivers who don’t
have insurance or don’t carry enough insurance.
Darrohn adds that you should check with your local Allstate agent to
be sure that you are properly covered
For More information and a new quote please call Shirley Eizember, Pinckney Insurance Agency, 41 Port Watson St, Cortland New York. 607-756-8505
The Allstate Corporation (NYSE: ALL) is the nation’s largest publicly held personal lines insurer known for its “You’re In Good Hands With Allstate®” slogan. Now celebrating its 80th anniversary as an insurer, Allstate is reinventing protection and retirement to help nearly 16 million households insure what they have today and better prepare for tomorrow. Consumers access Allstate insurance products (auto, home, life and retirement) and services through Allstate agencies, independent agencies, and Allstate exclusive financial representatives in the U.S. and Canada, as well as via www.allstate.com and 1-800 Allstate®.