ATV Accidents

ATV accidents can take many forms. For example, ATV rollovers often occur when the vehicle flips over due to uneven terrain or making sharp turns. ATV collisions can involve other ATVs, off-road vehicles, trees, rocks, or stationary objects. Additionally, riders may lose control of an ATV due to excessive speed, slippery terrain, sudden obstacles, or mechanical failures.

Why are ATV accidents so common?

ATV accidents are relatively common due to a variety of factors. These factors often involve the nature of the vehicle, the environment in which they are used, and the behaviors of the drivers. The key reasons include:

• Lack of protective structures: ATVs typically lack safety features found in cars, such as seat belts and roll cages. This leaves riders more exposed to injury in the event of an accident.
• Riding on challenging terrain: ATVs are designed for off-road use. This includes uneven or unpredictable terrain, which increases the risk of rollovers, collisions, or losing control.
• Inexperienced or untrained riders: Many ATV riders may lack proper training or experience in handling these vehicles.
• High speed and powerful engines: ATVs can be quite powerful and capable of high speeds. Riders might underestimate this power or overestimate their ability to control the vehicle at high speeds.
• Riding under the influence: Accidents are often caused by riders operating ATVs while under the influence of alcohol or drugs.
• Overloading or double riding: ATVs are generally designed for a single rider. Carrying passengers or overloading can affect balance and handling and lead to accidents.

ATV accidents can lead to serious injuries that range from minor to severe. Common injuries caused by ATV accidents include:

• Concussions and traumatic brain injuries that can occur even with helmet use.
• Spinal cord injuries that can lead to partial or complete paralysis.
• Broken bones in the arms, legs, ribs, and pelvis.
• Internal bleeding and damage to internal organs, such as the liver, spleen, and kidneys.
• Sprains, strains, and tears to muscles, ligaments, and tendons.
• Cuts and abrasions caused by skidding.
• Whiplash and other cervical spine injuries.
• Facial injuries often due to not wearing a full-face helmet.

ATV insurance typically provides coverage for a variety of situations and potential risks associated with owning and using an ATV. The specific coverage can vary depending on the insurance policy and the insurance provider, but it typically includes:

• Liability coverage: This covers medical expenses, legal fees, property damage, and other damages related to an ATV crash.

• Comprehensive coverage: This provides coverage for non-collision incidents, such as theft, vandalism, fire, or damage from severe weather.
• Uninsured/underinsured motorist coverage: This type of coverage protects you if you're involved in an ATV accident with someone who doesn't have insurance or has insufficient coverage to pay for your injuries or damages.
• Medical payments coverage: This covers medical expenses for you and your passengers if you're injured in an ATV accident, regardless of who is at fault.

After an ATV accident these are the actions you should take to ensure safety and pursue an accident claim:

• Move to a safe location away from further harm. Do not remove your helmet immediately if you suspect a head, neck, or back injury.
• Assess yourself and others for injuries. Adrenaline can mask pain, so it's important to be cautious even if you feel fine initially.
• Call 911 for prompt medical attention if anyone is seriously injured.
• Report the ATV accident to local authorities and wait for a police officer to arrive.
• Don’t move seriously injured individuals unless they’re in immediate danger.
• Take photos of the accident scene, the ATV, any visible injuries, and the surrounding area.
• Exchange contact and insurance information with other parties involved.
• Seek medical attention, even if you don’t believe that you’re injured. Some injuries can take time to appear. 
• Inform your insurance company about the accident. Provide the facts but avoid making statements about fault.
• Keep your gear and clothing as they were after the accident. Don’t repair the ATV immediately. These could serve as evidence.
• Consult with an attorney experienced in ATV accidents.

Navigating an ATV accident insurance claim can be a complex process. But having a Premier Attorney on your side can make a significant difference in the outcome of your case. If you’ve sustained injuries in an ATV crash, your attorney can launch a thorough investigation, determine the liable party, and negotiate for compensation that covers the full extent of your damages.

Worried about the cost of hiring an attorney? There’s good news; Premier Attorneys work on a contingency fee basis. This means that they don’t charge any upfront fees for their services. They only take a certain percentage of your settlement or court award if you’re fully compensated.

You have nothing to lose by hiring one of our verified attorneys. To get started on your claim, simply fill out the contact form and schedule a free consultation with an attorney in your area.