Off-road Vehicles Common Claims

Accidents Involving Collisions

ATVs are specifically created for off-road adventures, which come with inherent perils compared to vehicles driven on regular roads. Whether traversing trails, unpaved routes, steep mountains, or rocky forests, these terrains pose a higher risk of accidents.

In the unfortunate event that you suffer a collision while driving your off-road vehicle involving other drivers, a passerby, or obstacles like trees, animals, or large rocks, among others; not only may your vehicle be broken down, with damaged brakes or engine, but you can suffer bruises, brain injuries, serious fractures, among other medical conditions that will require going to the emergency room immediately. For this reason, it’s critical to be aware of these potential dangers when deciding to venture into off-road environments and have adequate insurance that will respond in case you need it

Theft and Vandalism

According to the National Insurance Crime Bureau, off-road vehicle thefts increase between July and August, coinciding with the end of summer, as many people stop driving their ATVs with the change of season, making them more prone to being stolen. That’s why it’s important to follow good practices to keep your ATV safe.

Here are some tips to help you safeguard your off-road vehicle from the most common risks:

• Always remove the keys when you have to leave so your ATV won’t become an easy target for thieves.
• When not using your ATV for an extended period, store it in a secure place like a garage rather than leaving it outside.
• While cameras cannot prevent theft, their presence can deter burglars, so you may consider installing them for extra security.

Mechanical Breakdowns

Driving an ATV involves navigating rough terrain at high speeds, which increases the risk of accidents. Factors such as human error and mechanical failures represent a significant threat that can contribute to vehicular collisions.

It’s essential to be aware that even experienced drivers can face situations that lead to crashes. Usually, mechanical problems like flat tires, broken chains, stuck accelerators, or dead batteries, can occur unexpectedly leading to a loss of control over the vehicle. The sudden inability to steer or control the ATV can result in dangerous situations, especially when driving at high speeds on rough trials.

Conclusion

In summary, regularly inspecting and maintaining your ATV is vital to reduce mechanical failure risk and enhance ride safety. However, it is equally important to follow good practices when operating your off-road vehicle as your behavior plays a crucial role in ensuring a safe journey.

By obeying speed limits, maintaining an appropriate distance from other vehicles, avoiding reckless maneuvers, and being aware of your surroundings, you can actively ensure a safer and more enjoyable off-road experience. Also, it’s highly recommended to get Off-road Vehicle Insurance as it will provide comprehensive protection for your ATV giving you the peace of mind you deserve on every trip.