All Terrain Vehicles (ATVs) are frequently used on the farm or ranch to haul supplies or get to the field, but ATVs often serve another purpose: recreation. Unfortunately, children are frequently victims of accidents on ATVs. According to the U.S. Consumer Product Safety Commission, four out of every 10 people treated each year in emergency rooms for ATV injuries are under age 16.
It’s important to know that liability for off-premises recreational use of an ATV is not covered by most farm policies. So if you or your family ride your ATV(s) off your property, you may not have coverage. Make sure your agent is aware of how you use these vehicles, so he or she can ensure the proper coverage is in place. The AgriChoice policy from Nationwide Agribusiness can be endorsed to provide liability coverage for off-premises recreational use of an ATV. Without that endorsement, most policies limit coverage to on-premises use.
Must-know Rules for Riding
Parents should determine each family member’s readiness to operate an ATV based on physical size, coordination, balance, ability to judge distances, willingness to follow rules and peripheral vision. It’s important that all family members know and follow necessary precautions every time ATVs are used – for work or for play.
Here are the ATV Safety Institute’s golden rules:
Always wear a helmet and other protective gear.
Never ride on public roads.
Never ride under the influence of alcohol or other drugs.
Never carry a passenger on a single-rider vehicle.
Ride an ATV that’s right for your age. General guidelines are:
Age 6 and older – Under 70cc
Age 12 and older – 70cc to 90cc
Age 16 and older – Over 90cc
Supervise riders younger than 16 – ATVs are not toys.
Ride only on designated trails and at a safe speed.
Take a hands-on safety training course.
Nationwide offers several all-terrain vehicle (ATV) insurance coverage options to protect you, your ride and others. Farm Bureau members are eligible for up to a 5 percent discount on ATV insurance. Other discounts may be available such as multi-vehicle, multi-policy and safety course completion. For information about protecting your ATV, contact a local Nationwide Insurance agent.
Ohio Farm Bureau is a sponsor of Nationwide and endorses the company’s coverages.