A homeowners policy may provide some coverage after a California ATV accident as long as you only ride on your property. It may provide help repairing an ATV or replacing a stolen vehicle. But if you are riding on public lands or someone else’s property, your homeowner’s insurance probably won’t cover any property damage or injuries you suffer.
Some insurance companies do offer policies that specifically protect riders and passengers in ATV crashes. With the dangers that come along with the fun of riding an ATV, having liability insurance offers critical protection for you and your passengers or anyone hurt in other vehicles in an ATV collision.
Earning Support After a California ATV Accident
Maison Law represents the victims of California ATV accidents. Our California ATV Accident Lawyers assist victims in getting the support they need to make a full recovery. Please contact us after a serious accident caused by someone else’s negligence. We provide a free, no-obligation consultation for all California accident victims. It’s a no-risk opportunity to find out what a personal injury case may be worth and how to hold an insurance company fully responsible.
Do I Need ATV Insurance to Ride an ATV?
California does not require ATV riders to have a driver’s license or carry liability insurance. ATVs aren’t allowed on highways and most public streets, so normal insurance requirements don’t apply.
There are some California public lands or parks where ATV owners and operators must have ATV liability insurance to ride. It’s important to check ahead of time before you go off-roading. An accident could leave you in violation of California law. It could also leave you without support to pay medical bills if you or a loved one gets seriously hurt in a collision or rollover.
Will Car Insurance Cover Me After an ATV Accident?
Generally, car insurance won’t cover policyholders hurt in ATV accidents. ATV owners and operators would need separate insurance to cover themselves and others in a crash with an obstacle or another vehicle.
What Is ATV Accident Insurance?
ATV accident insurance is a coverage made available by many insurance companies. It’s generally much cheaper than normal auto insurance and can protect victims and ATV owners from a financial crisis after an accident.
An ATV accident policy would likely cover victims if you caused an accident, but you could be hurt in the crash as well. If you were at fault, it’s possible that you and a family member riding with you wouldn’t be covered by normal insurance protection.
To make sure your family is covered in the event of an injury no matter the circumstances, there are other add-on options for ATV owners seeking an insurance policy:
- Med-pay protection would help you and your family pay for your own injuries no matter who was found at fault in an ATV crash.
- Collision coverage would help you pay the cost of repairs to your ATV or to purchase a replacement no matter who was at fault.
What Happens If I’m Struck by Another ATV Driver or a Driver in a Truck?
If a careless driver hits you or a family member, you wouldn’t need to rely on your own insurance coverage to get help. That driver, on an ATV, or in a car, truck, or SUV, would be responsible for helping you recover. The driver would hopefully have auto insurance or ATV insurance to help you secure compensation.
If an at-fault driver didn’t have insurance, a lawsuit may have to be filed against the owner and operator directly. You may also be able to file a claim under your own uninsured motorist coverage.
If you were riding on someone else’s property, it’s possible the owner’s homeowners insurance would help you pay your medical bills. If you were at an ATV park or taking an ATV tour, the company involved could also bear liability for supporting you until you healed.
It’s also possible that a tour company owner or an ATV rental company could be held liable for your injuries. Businesses are required to have commercial liability insurance in case customers get hurt. Compensation may be available even if you signed a liability waiver form.
A California ATV accident lawyer would investigate your case and gather all evidence showing that you weren’t at fault for what happened. Your lawyer would then work to secure your family the maximum in compensation possible. This would include support for all medical bills for as long as possible. It should include reimbursement for your lost wages while you must be away from work. You should also receive support for the physical and emotional pain you endure in recovery.
Contact a California ATV Accident Lawyer
If you or a loved one are the victims of a careless driver or a negligent business, take advantage of a free case consultation from a real California ATV Accident Lawyer. This evaluation comes with no obligation to you or your family. It’s an opportunity to figure out just who could be liable for your ATV accident injury. We want to make sure you and your family are treated fairly as you deal with perhaps multiple insurance companies.
You won’t need any money upfront to hire a lawyer to represent you and protect your interests as you heal. Maison Law doesn’t get paid unless we win your case. Then our fee comes out of the settlement money you are awarded.
