All terrain vehicle use in Mississippi has increased substantially over the past two decades. As a result, the rate of injury resulting from their use has also gone up. People in MS use ATVs for just about everything, ranging from hunting and fishing transportation to ranch and farm work vehicles. Many people just ride for recreation. However you use your all terrain vehicle, make sure you have Mississippi ATV insurance in place.
One way to be certain you and your family are properly protected is to engage the services of a local Trusted Choice® member agent. As independent professionals, these agents work with a great number of insurance companies and are not tied to any one provider. A local member agent can get multiple Mississippi ATV insurance quotes for you to compare, and can advise you which coverage is right for your circumstances. Contact a nearby member agent today to learn more.
Mississippi ATV Statistics
A number of changes in the many ways ATVs are used and the ages of riders have resulted in some startling data:
- Over 200 Mississippi residents died because of ATV injuries in the years between 1998 and 2008.
- The injury rate is increasing fastest for children under the age of 16.
- Compared to the national average, ATV riders in Mississippi are over three times more likely to die from an ATV accident.
- Mississippi has no current safety legislation for the use of ATVs.
While Mississippi ATV insurance cannot prevent injuries, just knowing that your policy is there to help if there ever is a calamity can bring peace of mind.
Mississippi ATV Insurance Coverage Options
Since there are no required ATV insurance minimums in Mississippi, it is a good idea to consult with a professional who can help match coverage to individual needs. A Trusted Choice member agent can offer suggestions. Consider these options:
- Liability: This is probably the most important concern. Liability insurance protects you financially in the event that you cause accidental bodily injury to another person, or damage their property.
- Collision: Provides protection for any damage to your ATV resulting from a collision with another ATV or any other object. It can also provide rental coverage during repair time and some towing protection.
- Comprehensive: Also called "other than collision," comprehensive covers a wide variety of other ATV damage resulting from non-collision sources including fire, theft, vandalism, and weather damage.
- Uninsured or underinsured motorist: This pays for your injuries and property damage resulting from an accident caused by another driver who has limited or no insurance.
ATV Safety Suggestions
Regardless of the fact that there are no state mandated ATV laws, those who observe some common sense safety limits have a much better chance of preventing an accident or escaping with minimal injury. Here are some suggestions:
- Wear helmets and other safety equipment at all times. Those include gloves, long sleeved shirts, full-length pants, and boots.
- Ride age appropriate ATVs only. The risk of injury is doubled when kids ride vehicles designed for adults.
- Most ATVs are not designed for road use. Although it may seem safer to ride on paved roads, the risk of a rollover is actually higher.
- Take an instructional class. Studies confirm that informed riders have fewer accidents.
Common Types of MS ATVs
All terrain vehicles, as a group, also include utility terrain vehicles (UTVs), four-wheelers, three-wheelers, and side-by-side vehicles. UTVs differ in that they are typically larger than ATVs and typically have side-by-side seating for the driver and a passenger. They are designed more for work than recreation and can carry up to 1350 pounds more than the weight of the occupants. They can have six or more wheels, depending the needs of the buyer.
Although the three-wheeler was the original ATV design, these vehicles have been out of production in the United States since 1987, due to safety concerns. While four-wheeler refers to the fact that there are four wheels on the ATV, most ATVs are also now four-wheel drive.
Where to Find the Best Mississippi ATV Insurance
ATVs can be a terrific help when it comes to outdoor work and are also popular recreational vehicles here in MS. On the farm or ranch, UTVs now perform much of the work that was previously accomplished with horses. For hunting and fishing, they enable people to travel far greater distances beyond the roads to get to prime game sources. No matter how you use your off-road vehicle, make sure you protect yourself and your passengers with quality Mississippi ATV insurance.
A local Trusted Choice member agent can help you compare Mississippi ATV insurance quotes and help you determine which types of coverage apply to your situation. That way, you will end up with neither too much nor too little protection, but will have just the right coverage for your needs. Find a local independent member agent now and take the worry out of your ATV riding.