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Allstate: What every ATV & snowmobile rider should know before they go

Submitted Editorial

Mon, Dec 5th 2016 11:40 am

Allstate provides safety information to riders

Editorial by the Allstate Corp.

Winter is the perfect time of year to take advantage of your snowmobile, all-terrain vehicle, or other power sport vehicle. Allstate wants you to know that it is important to be smart and safe to get the most enjoyment out of the New York winter weather.

According to the ATV Annual Report from 1982-2012, there were an estimated 12,391 ATV-related fatalities, 2,944 of those fatalities were children under the age of 16. An ATVSafety.gov spokesperson said most of these deaths and injuries occur when a child is driving or riding on an adult ATV.

Parental supervision is a key element to a child's safety, and children under the age of 16 must be supervised at all times when operating an ATV.

ATVSafety.gov said there are a few important things riders should know before they go:

  • ATVs can travel at speeds in excess of 60 miles per hour and can weigh in excess of 700 pounds.
  • ATVs can easily roll and tip over. Their unpredictable nature in off-road conditions makes training and proper use essential.
  • All riders should always wear a helmet and protective gear when riding an ATV.
  • Stay off paved roads and avoid unfamiliar terrain.
  • Never carry a passenger on a single-rider ATV.
  • Do not drive an ATV while under the influence of alcohol or drugs.
  • All riders should take a hands-on safety-training course.
  • Children under the age of 16 should never ride an adult-size ATV.

Snowmobiles are also vehicles that can be dangerous if not operated safely. Cruising through the fresh snow feels great - until something unexpected happens.

Allstate wants you to be aware of how to use your snowmobile safely.

  • Become familiar with hand signals needed for operating snowmobiles.
  • Plan where you will ride, how long you will ride, and with whom you will ride.
  • Most manufacturers create a small spot for tool storage just inside your hood, or the inside of the seat "trunk." Put the necessary tools in the designated spot in case of an issue.
  • Never cross lakes or rivers, since it can never be guaranteed that ice of any thickness will support a snowmobile. Be aware that ice is always dangerous, and on solid surfaces it greatly reduces traction.

Allstate recommends protecting yourself and your family.

Bodily injury liability protects you if you cause an accident and someone is hurt, typically covering the other person's medical expenses.

Property damage liability protects you if you're at fault in an accident-causing damage to another person's property. Coverage typically pays for expenses to damaged property such as vehicles, homes and buildings.

Collision coverage reimburses the cost of repairing your snowmobile after damage due to a collision with another object (such as another snowmobile, tree or fence).

Comprehensive coverage protects from damages to your snowmobile due to almost any event: flooding, wind, vandalism, theft or other reason not involving a crash with another vehicle.

Allstate Snowmobile Insurance can even provide coverage while your sled is in storage. Even if you have custom parts, they're included as part of a covered claim. Allstate offers discounts available if you own multiple sleds. Figuring out where your other insurance ends and snowmobile insurance needs to start can take some time.

For more information on snowmobile coverages, contact your local Allstate agent or visit allstate.com/snowmobile-insurance.aspx.

 

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Niagara Frontier Publications strives to publish factual and accurate editorials containing information that is of service to readers. Only submissions from reasonably credible sources will be accepted.

That said, NFP makes no guarantee as to the factual accuracy of the above claims, nor will it ensure any actions listed above will occur for you.

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