All-terrain vehicles (ATVs) offer a thrilling way to explore Montana’s beautiful landscapes. However, these powerful machines also come with inherent risks. If you or a loved one has been injured in an ATV accident, the financial burden of medical bills can be overwhelming. Understanding what your current insurance policies cover can help you navigate this challenging time.
While car insurance is essential for on-road vehicles, it typically does not cover accidents involving ATVs. ATVs are considered off-road vehicles, and most standard auto insurance policies won’t apply.
There might be a rare exception if the accident occurred on a public road in Montana, where ATVs are legally allowed. It’s crucial to check your specific policy wording to determine if there are any exclusions related to off-road use.
In some instances, collision or comprehensive coverage on your car insurance might extend to an ATV accident in Great Falls, Montana, but only if the ATV is listed on the policy. This type of coverage typically only applies if the ATV is stolen or damaged to the point of being totaled. Medical expenses wouldn’t be covered.
Gap insurance, an add-on to some auto policies, might provide some financial protection if your ATV is financed. However, it’s essential to note that gap insurance only covers the difference between the actual cash value of the ATV and the amount still owed on the loan. It wouldn’t cover medical bills.
Homeowners’ insurance typically excludes coverage for accidents involving off-road vehicles, such as all-terrain vehicles (ATVs). There might be a slight chance of coverage if the accident occurred on your property and involved negligence by a third party. It’s best to consult with your homeowners insurance provider to understand their specific exclusions.
The most appropriate insurance for ATV accidents in Montana is dedicated recreational vehicle (RV) insurance. This type of policy is designed specifically for off-road vehicles and can provide comprehensive coverage, including:
It’s essential to understand the exclusions of your RV insurance policy. Standard exclusions might include:
While this blog focuses on ATV accidents, it’s worth noting that golf carts have different insurance needs than ATVs. Golf carts are typically used on private property or designated golf courses. Here’s a brief breakdown of golf cart insurance:
Montana law requires all ATV riders under 18 to wear a DOT-approved helmet. While not mandatory for adults, wearing a helmet significantly reduces the risk of head injury in the event of an accident.
Enjoying the thrill of ATVs comes with a responsibility to prioritize safety. Here are some essential tips for safe riding:
If you’ve been injured in an ATV accident, the following steps are crucial:
An experienced personal injury attorney can help you navigate the complexities of an ATV accident claim. They can:
At Conner, Marr & Pinski, we understand the physical, emotional, and financial hardships associated with ATV accidents. Our experienced Montana auto accident attorneys are committed to helping you through this challenging time. We will work tirelessly to investigate your case, gather evidence, and fight for the compensation you deserve.
Contact us today for a free consultation to discuss your ATV accident and learn how we can help. We are available 24/7 to answer your questions and guide you through the legal process. Don’t hesitate to reach out – we are here for you.
