All-terrain vehicles (ATVs), also known as 4-wheelers, have become very popular work and recreation vehicles. When used properly, ATVs are useful and enjoyable. Unfortunately, many people do not operate ATVs safely. While some are unaware of the potential for injury, others simply ignore safety precautions.
ATV Safety Equipment
Riding an ATV without protective equipment is similar to playing football without pads and a helmet. The risk of serious injury or death increases dramatically for riders who do not wear safety equipment. Riders should consider always:
- Wearing an approved helmet (preferably full-faced).
- Using safety goggles if the helmet does not have a face shield.
- Wearing long pants and a long-sleeved shirt or jacket.
- Wearing gloves to protect the hands.
- Wearing over-the-ankle boots with a heel to prevent foot slippage.
General ATV Safety Tips
In addition to wearing protective gear and clothing, ATV riders should consider observing these safety practices:
- Do not ride on public roads or pavement. ATVs are built for off-road use and do not handle well on paved surfaces. A.C.A. § 27-21-106 (2023) prohibits ATV use on public roads in Arkansas. Exceptions are allowed for directly crossing a road or for going from one farm field to another if there is not another access.
- Do not carry passengers. ATVs are rider-active vehicles that require the operator to change positions often. The driver needs the full length of the seat to control the ATV. The additional weight of a passenger can also upset the balance of the ATV.
- Persons under the age of 16 should not operate adult-sized ATVs. Under-aged children do not possess the physical size or maturity necessary to ride adult-sized ATVs.
- Never attempt to operate an ATV while under the influence of drugs or alcohol.
Pre-ride Inspection
An ATV should be inspected before it is ridden. The owner’s manual will have instructions on how to check the ATV. At the very least, this inspection should include tires and wheels, controls, lights and switches, oil and fuel levels, and filters. The owner’s manual and tool kit should be carried in the storage compartment.
The ATV Rider Course
In order to promote proper use of ATVs, the All-Terrain Vehicle Safety Institute® (ASI®) offers the ATV RiderCourse. ASI® is a not-for-profit division of the Specialty Vehicle Institute of America®, formed to implement an expanded national program of ATV safety education and awareness. The course is taught by licensed ASI instructors. Some ATV dealers may offer incentives to take the course. For more information on an ATV RiderCourse, ask an authorized ATV dealer for details or call 1-800-887-2887.
Insuring Your ATV
You might think that your homeowners policy provides coverage for your ATV and the liability associated with operating it; however, most homeowners policies exclude these types of exposures.
The Auto Insurance policy provided by Southern Farm Bureau® Casualty Insurance Company can provide the protection you need for your ATV. The following coverages are available: comprehensive, collision, property damage and bodily injury liability, medical payments, and uninsured motorist coverages.
Whether or not you decide to purchase insurance for your ATV, these safety precautions could very well save your life.
If you have questions about insuring your ATV, please contact a Farm Bureau agent near you.