As a Dallas-Fort Worth personal injury lawyer, I know that off-road vehicles such as ATVs and four wheelers can be extremely dangerous. Drivers and passengers might suffer broken bones, spinal cord injuries and even traumatic brain injuries as a result of an accident – any of which could result in the need for surgical amputation or lifelong paralysis.
Unfortunately, although it is possible to purchase all terrain vehicle (ATV) insurance which will protect you and your passenger(s) in the event of an injury, many people in the Dallas-Fort Worth area do not have such insurance. This means that in most situations, there is no liable insurance against which to recover damages to cover medical bills and other accident-related expenses.
Some home insurance policies will cover ATV accidents under certain situations, however they are very restrictive. In most cases, a home insurance policy will only cover injuries related to ATV accidents which happen on the home owner’s property, farm or ranch. However, this does vary depending on your insurance. Some policies clearly state that they do not cover any motor vehicles not subject to vehicle registration (i.e. ATVs, dirt bikes, golf carts, etc.).
Auto insurance policies in Texas do not cover any ATV-related accidents either, because they are not registered motor vehicles. This includes your uninsured motorist coverage and personal injury protection insurance. If you were walking along the road and got hit by a quad bike, for example, then there would be no insurance policy for you to claim against – unless the at-fault driver had ATV insurance.
Similarly, ATV passengers have no ability to make a claim for compensation if they are injured as a result of the driver’s negligence unless a specific ATV insurance exists.
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