The biggest difficulty with ATV accident cases is finding a source of recovery to compensate the victim. Unfortunately, ATV accidents can easily result in a wrongful death or potentially massive medical bills. Most people do not carry insurance for their ATV specifically and homeowner’s coverage and general liability coverage often does not extend to ATVs. However, under Arizona state law, auto insurance and the injured party’s own underinsured motorist coverage can potentially be used to compensate victims.
Often times the liability, uninsured, underinsured and medical payments portions of car insurance may be applicable. Sometimes insurance companies will attempt to deny the claim by relying on the policy language.
Although terms and provisions of an insurance policy are usually valid, the contracts must conform to the laws regulating insurance of the state. There are specific laws regulating these policies and any policy that does not conform to those laws may not exclude coverage.