What Every ATV and Snowmobile Rider Should Know Before They Go

Posted by  //  November 20, 2016  //  Allstate, Articles

Allstate Provides Safety and New York State Law Information to Riders

Winter is the perfect time of year to take advantage of your snowmobile, ATV, or other power sport vehicle.  Allstate wants you to know that it is important to be smart and safe to get the most enjoyment out of the New York winter weather.

According to the ATV Annual Report from 1982 – 2012, there were an estimated 12,391 ATV related fatalities, 2,944 of those fatalities were children under the age of 16.  An ATVSafety.gov spokesperson says 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 a few important things riders should know before they go:

  1. ATVs can travel at speeds in excess of 60 miles per hour and can weigh in excess of 700 pounds.

  2. ATVs can easily roll and tip over. Their unpredictable nature in off-road conditions makes training and proper use essential.

  3. All riders should always wear a helmet and protective gear when riding an ATV.

  4. Stay off paved roads and avoid unfamiliar terrain.

  5. Never carry a passenger on a single-rider ATV.

  6. Do not drive an ATV while under the influence of alcohol or drugs.

  7. All riders should take a hands-on safety training course.

  8. Children under the age of 16 should NEVER ride an adult size ATV.

Snowmobiles are also vehicles that can be dangerous if not operated safely.  Cruising through the fresh snow feels great – until something unexpected happens.

Allstate wants you to be aware of how to use your snowmobile safely.

  1. Become familiar with hand signals needed for operating snowmobiles

  2. Plan where you will ride, how long you will ride, and with whom you will ride.

  3. Most manufacturers create a small spot for tool storage just inside your hood, or the inside of the seat “trunk.”  Put the necessary tools in the designated spot in case of an issue.

  4. Never cross lakes or rivers since it can never be guaranteed that ice of any thickness will support a snowmobile. Be aware that ice is always dangerous, and on solid surfaces it greatly reduces traction.

Allstate recommends protecting yourself and your family with:

  • Bodily Injury Liability: Protects you if you cause an accident and someone is hurt, typically covering the other person’s medical expenses.

  • Property Damage Liability: Protects you if you’re at fault in an accident causing damage to another person’s property. Coverage typically pays for expenses to damaged property such as vehicles, homes, and buildings.

  • Collision Coverage: Reimburses the cost of repairing your snowmobile after damage due to a collision with another object (such as another snowmobile, tree, or fence).

  • Comprehensive Coverage: Protects from damages to your snowmobile due to almost any event: flooding, wind, vandalism, theft, or other reason not involving a crash with another vehicle.

Allstate Snowmobile Insurance can even provide coverage while your sled is in storage. Even if you have custom parts, they’re included as part of a covered claim. Allstate offers discounts available if you own multiple sleds. Figuring out where your other insurance ends and snowmobile insurance needs to start can take some time.

For more information on snowmobile coverages, please contact your local Allstate Agent or visit allstate.com/snowmobile-insurance.aspx.

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, protecting approximately 16 million households from life’s uncertainties through auto, home, life and other insurance offered through its Allstate, Esurance, Encompass and Answer Financial brand names. Allstate is widely known through the slogan “You’re In Good Hands With Allstate®.” The Allstate brand’s network of small businesses offers auto, home, life and retirement products and services to customers in the United States and Canada. In 2014, The Allstate Foundation, Allstate, its employees and agency owners gave $34 million to support local communities. Allstate employees and agency owners donated 200,000 hours of service across the country.

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