ATV Riding Tips to Follow
Riding an all-terrain vehicle is more than just wearing a safety helmet and taking a 5-minute online ATV safety lesson. Often, it requires active supervision, getting the right ATV fit, and having robust ATV insurance coverage to protect against the likely financial consequences of injuries while on the go.
Below, we’ll talk more about ATV insurance and share other essential rules of ATV riding that you and your family should note if you’re planning to ride on one, so be sure to keep reading.
ATV Insurance
As the name suggests, ATV insurance protects owners of all-terrain vehicles from potential risks and liabilities associated with owning and operating these vehicles. Depending on the insurance provider, the policy may cover:
- Damages from hitting a large rock or a tree stump
- Legal defense and payouts
- Accidents with uninsured/underinsured motorists
- Lost wages related to the incident
If you do not own the ATV but are planning to ride it, it is essential to check with the owner of the ATV to ensure that their policy covers you as a rider.
Some insurance policies may offer limited coverage for occasional operators or permissive users, but this can vary depending on the specific policy terms and conditions.
Perform an Inspection
Before hopping on your ATV, performing a pre-ride inspection is an absolute must. Here are some key areas to check during your inspection:
- Lights: Verify that all headlights and taillights function correctly.
- Fluids and Fuel: Check the oil, coolant, and other necessary fluids levels.
- Brake System: Check the condition of the brakes, including the brake pads and discs.
- Controls: Ensure all control connections and cables are intact and securely fastened.
- Tires: Examine the tires for signs of wear and tear. Look for uneven tread wear and remove any embedded foreign objects.
- Chains: Inspect the chains for proper lubrication, correct tension, and signs of wear or misalignment.
- Sprockets/Gears: Examine the sprockets or gears for broken teeth and clear away any grit, mud, or debris that may hinder their performance.
Know Your and Your ATV’s Limits
If you’re not an experienced rider or skilled enough to tackle a steep incline or jump over a log, it’s best to steer clear of those situations.
You also need to get to know your ATV and understand what it’s capable of. For instance, it might not have enough power to ride over a really steep hill, and if you try, you could end up rolling backward. Or maybe it’s not equipped to handle deep water, so trying to cross a watery path could lead to a lot of trouble.
Other Golden Rules of ATV Riding
Here are some additional tips to keep in mind when riding an ATV:
- Maintain a safe and controlled speed that matches the terrain and conditions. Avoid sudden or reckless maneuvers.
- Avoid riding under the influence of alcohol, drugs, or any impairing substances that can affect your judgment and coordination.
- Familiarize yourself with local laws, regulations, and trail guidelines for ATV riding in your area.
- Carry a communication device, such as a cell phone or two-way radio, in case of emergencies.
- Take breaks as needed to prevent fatigue, especially on longer rides.
- Be prepared for unexpected situations by carrying essentials like a first aid kit, basic tools, a map, and extra supplies.
Responsible and safe ATV riding involves knowledge, skill, and awareness. Following these tips can ensure a secure ATV riding experience for you and your loved ones.
About Daniels Insurance, Inc.
At Daniels Insurance, Inc., we have a unique understanding of the risks that businesses like yours face on a regular basis. With the backing of our comprehensive coverages and our dedication to customer service and quick claims resolution, your business will be fully protected. For more information, contact us today at (855) 565-7616.