All-Terrain Vehicle (ATV) Safety
All-terrain vehicles (ATVs) don’t have roll bars, safety cages, or seatbelts. They’re also top-heavy, increasing the likelihood that they will roll over in a crash, and the lack of seatbelts or other restraints makes it more likely that a rider will be thrown from an ATV in an accident. There are no federal laws or regulations governing the use of ATVs, so rules and laws vary by state. Some states prohibit children younger than 16 years old from riding ATVs, and some require riders to obtain a special certification to permit them to ride.
Here are some tips to keep you safe when riding an ATV:
- Follow state and local law regarding who may ride and whether certification is required
- Wear a helmet and eye protection
- Bring a charged cellphone to contact someone for help in an emergency
- Minimize distractions while riding
- Stay away from paved roads
If you own an ATV, check out your state laws and regulations to make sure you’re following them. If you aren’t sure whether your insurance covers ATV losses (theft, property damage, personal injury, etc.), contact us, your local independent insurance agent, for more information. We insure ATVs in Kentucky and Tennessee.
*Courtesy PIA of Kentucky