With most of Ontario’s population residing in cities, the vast rural landscape offers ample opportunities for those seeking to escape the urban chaos. Outdoor enthusiasts always have activities to enjoy and terrains to discover.
This is why ATV riding has gained immense popularity—it’s one of the most thrilling ways to experience the great outdoors. Beyond recreational purposes, ATVs also serve practical functions on farms and ranches.
However, before hopping on an ATV, being aware of the risks is crucial. Like any vehicle, riding an ATV carries the potential for motor accidents, which are further heightened by off-road terrains on private properties. In a crash, knowing what steps to take and when to consult a personal injury attorney is essential.
The Danger of ATV Accidents in Ontario
Unfortunately, ATVs are not all about fun and adventure. Despite their practicality, they pose significant risks due to their nature as off-road vehicles. ATV accidents are notorious for causing severe injuries—and at alarmingly increasing rates. From wipe-outs to collisions and rollovers, the lack of protection and the challenging terrains they’re typically ridden on dramatically amplifies the risk of severe and even fatal injuries.
Common Personal Injuries Resulting from ATV Accidents
- Fractures to the ribs, lower legs, ankles, feet, knees, shoulders, and upper arms
- Head injuries
- Lower back and spinal cord injury, potentially leading to partial or complete paralysis
- Internal injuries, such as organ damage and internal bleeding
- Cuts and bruises
Steps to Take After an ATV Accident on Private Property
If you or a loved one has recently been involved in an ATV accident, it’s crucial to know that resources are available to assist with recovery during this challenging time. This includes contacting a personal injury attorney who can help you pursue damages against the party found liable for your accident.
- Seek medical attention
As with any emergency, seeking medical treatment is the priority after an ATV accident. Even if the crash was minor and you don’t have visible injuries, it’s essential to get examined to detect and address any internal injuries promptly.
Remember that the Ontario Health Insurance Plan (OHIP) covers most medical expenses, including emergency room treatment, surgery, and doctor consultations. However, OHIP does not cover medications, long-term care expenses, or lost income while you’re recovering. - Stay at the scene
Remain at the scene until help arrives. Document the accident and take photographs. Obtain the owner’s contact and insurance information if another ATV is involved.
When the police arrive, take note of the responding officers’ names and contact information. Request a copy of the police report to ensure the accident is properly documented. This documentation will be necessary for the insurance claim and any subsequent personal injury lawsuit. - File an ATV accident insurance claim
Promptly notify your insurance provider about the ATV accident. Be sure to document your injuries and the impact of the accident on your life, including pain and suffering, loss of income, and disruptions to your daily routine. This information will be essential to support your insurance claim.
Navigating the ATV Accident Insurance Claims Process
Operating your ATV responsibly by staying off roads and highways and never driving under the influence is the first step in safeguarding yourself against accidents and long-term consequences. The next crucial step is ensuring that you have adequate insurance coverage.
In the event of an ATV accident, your insurance coverage will provide essential financial protection. ATV insurance can cover damage to your vehicle, replace lost wages, and cover the cost of any treatment or rehabilitation not typically covered under OHIP. Your statutory compensation—or the amount you receive—is determined by your coverage amount, the severity of your injuries and losses, and the duration of your recovery.
However, it’s important to note that ATV insurance will only cover these costs if you are a responsible rider. Suppose your injuries resulted from not wearing a helmet or operating the vehicle under the influence. In that case, your insurance provider may reduce your statutory compensation, deem you entirely at fault and deny your claim.
Denied Claims and Liability: When to Consult a Personal Injury Attorney in Ontario
If your ATV insurance provider denies your claim, another avenue for compensation is to explore liability. By collaborating with a personal injury attorney, you can determine the owner of the ATV and investigate any potential negligence. For instance, if the owner fails to maintain the vehicle properly, they may be liable for causing your accident.
Similarly, if the ATV was manufactured with defective parts, the manufacturer may be found liable for your accident. Additionally, if you had an ATV accident on private property with poorly maintained trails, the owner may be liable for failing to keep the trails clear and safe.
A personal injury attorney can help you navigate the complex legal landscape in all of these scenarios. They can assist in determining liability, filing a personal injury lawsuit for your ATV crash, and pursuing the compensation you deserve. A personal injury attorney can ensure that your documents are in order and your claim is filed within the prescribed time frame while providing support beyond the courtroom.
Injured in an ATV Accident? Contact Lawyer For Car Accident Today
Our personal injury attorneys are here to support you if you or a loved one has been injured in an ATV accident. Lawyers for Car Accident can help you navigate the legal system to claim the compensation you need and deserve.
Our attorneys can assist you in compiling documentation of your injuries and losses and advocate for your recovery both in and out of the courtroom. We will represent you in a personal injury lawsuit against the party liable for the accident and ensure that the compensation you receive can help cover your medical treatments and rehabilitation and replace your lost income. Reach out to us as soon as possible to initiate your claim.
If you or a loved one has been involved in an ATV accident in Ontario, schedule a consultation with Lawyer For Car Accident to begin your personal injury claim today.