If you get into an accident on your ATV, your policy might cover some of your medical bills up to a certain amount. The state does not set a minimum requirement for ATV liability coverage or medical coverage, which complicates the matter. As medical benefits are optional, that coverage will be available to you only if you have purchased a policy that includes medical benefits.
To the extent your medical bills exceed that amount, you will need to utilize your health insurance. Under your health insurance you will be required to pay any usual co-payments and deductibles you would ordinarily be responsible for under your health insurance policy.
If you intend to ride an ATC on property that is not owned or leased by you, the Pennsylvania Department of Conservation and Natural Resources requires you to carry liability insurance separate from their auto insurance policies 75. Pa.C.S. § 7730. ATV insurance can be purchased through your auto insurance provider, or you can purchase a personal insurance policy.
What Your ATV Liability Insurance Policy Covers
ATV liability insurance covers your medical expenses if such coverages are purchased, but severe injuries can easily exhaust your coverage amount. The state does not specify minimum coverage requirements. This is why you must make a claim with your health insurance provider to seek the difference.
Otherwise, ATV liability policies cover damage to property or injuries to other people caused by your use of the ATV.
If you are injured due to the fault of an ATV driver, you could make a claim with their insurer, but you will likely face the same coverage limits.
For a free legal consultation, call 412-661-1400
What Your ATV Insurance Policy Does Not Cover
Unlike an auto insurance policy, ATV liability coverage does not compensate you for lost wages if you took time off work to recover from your injuries. It also does not typically cover non-economic losses, such as pain and suffering or reduced quality of life.
For non-economic losses and otherwise outstanding economic losses caused by the fault of an ATV driver, a homeowner’s insurance policy may provide limited coverage.
Other Options for Compensation After an ATV Accident
If a negligent ATV driver or a passenger vehicle driver hit you and caused your injuries, you could file a personal injury lawsuit against them. You may recover a greater award for your medical expenses, lost wages, and non-economic losses through legal action.
If no one else was involved in your ATV accident, you could seek additional coverage for your medical bills through your health insurance. Under your health insurance, you will be required to pay any usual co-payments and deductibles you would ordinarily be responsible for under your policy.
A lawyer from our firm can help you explore your options for compensation. They can take a look at your separate insurance policies or that of a liable ATV driver to see which ones can apply. They can argue on your behalf to help you pursue compensation.
How a Lawyer From Berger and Green Can Help with Your ATV Accident Case
After an ATV accident, the legal team with Berger and Green can handle your case while you rest and recover. Our team offers personalized attention to each client, and we handle ATV accident cases like yours. Here are a few ways we can help:
Investigate Your Accident to Assign Liability
How your ATV accident happened will determine which policy you can access to make a claim. If someone else was at-fault, their liability policy might come into play. We can investigate your particular accident to determine liability and any available coverage. Another ATV driver or motorist could be liable, for example.
A motorcycle driver could even be at fault in your accident. Our team will tell you who you could pursue damages from.
Calculate Your Damages
If a negligent party caused your injuries, then you may stand to recover more than just your medical bills after an ATV accident. You may also qualify for non-economic damages to compensate for your pain and suffering.
We can calculate your losses and evaluate any potential avenue for recovery to ensure you seek fair compensation through a claim or lawsuit.
Our personal injury lawyers can use a few different methods to assign a monetary value to your losses.
Negotiate with Insurers
When you pursue a claim for an ATV accident injury, insurers may put up a fight. An ATV liability insurance provider and your health insurance provider may go back and forth. Each party could argue they are not responsible for offering coverage. When this happens, our team can step in on your behalf.
We can negotiate a fair settlement and assess any offers you receive. Our goal is for you to get what you deserve.
Represent You in a Trial
If we take legal action on your behalf, you will not have to hassle with paperwork or communications with the liable party and their representatives. Your lawyer can handle all of this for you. Our firm can seek a court-awarded offer by arguing your case before a judge or jury.
Some cases settle before they ever reach trial, but we are prepared for litigation regardless.
Abide By Relevant Deadlines
We can also help you abide by any relevant deadlines when filing a claim or lawsuit. According to Pa. C.S.A. § 5524, you generally have two years from the date of your ATV accident to take legal action against a negligent party. We can get to work on your case right away to protect your right to compensation.
Still, the sooner you contact us, the sooner our firm can begin the process. You will want to give your case the time it deserves.
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Berger and Green Wants to Help After Your ATV Accident
You should not have to suffer due to another party’s negligence or because your insurer refuses to honor your policy. Berger and Green can pursue compensation for your medical bills after an ATV accident. Whether we are filing a claim or lawsuit, our team will advocate for your rights.
To begin your free consultation, call us at (412) 661-1400. Do not wait long, as you may face a deadline.