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ATV Quad Bike in front of mountains landscape in Turkey/Image by Shutterstock Every year, there are over 100,000 emergency room visits by people involved in an ATV accident, with injuries that range from bruises to severe fractures. In 2019, there were approximately 295 deaths due to ATV-related accidents, according to Consumer Product Safety Commission. (Credit: Tepikina Nastya/Shutterstock)

Summertime is right around the corner and for many of your clients, off-roading is part of the fun. But as they pull an all-terrain vehicle (ATV), dirt bike, golf cart or dune buggy out of the garage and onto the trails, people often give little thought to the risk exposures. The fact is, the costs associated with an ATV accident that is not protected by the proper insurance coverage can be high, resulting in expensive lawsuits involving property damage, liability claims and medical expenses.

Every year, there are over 100,000 emergency room visits by people involved in an ATV accident, with injuries that range from bruises to severe fractures. In 2019, there were approximately 295 deaths due to ATV-related accidents, according to Consumer Product Safety Commission.

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