Who doesn’t
love a day off? When you do get a day off, what do you like to do? Are you the
type that likes to just relax, watch some TV or maybe catch up on some reading?
Or are you the other type; the one that can’t sit still and must be doing
something like tearing up some land on a 4 wheeler? We all have our ideas of
what relaxing is, right? We all unwind in our own way.
Speaking of
4 wheelers or ATV type toys, did you know it’s just as important to have them
covered like you would for your home and auto? You didn’t? Well it is very
important to have those “toys” insured. Why, you ask? Let me tell you about an
insured that was in a pretty bad ATV accident, injuring himself and a guest
that was staying with him and his family. Thankfully, the insured had coverage
on his ATV. While both he and his guest walked away, it was not without an ER
visit, some stitches, a concussion and a pretty major surgery.
Even when we
are being as safe as possible, accidents can and will happen. That’s where we
come in. In this situation, they jumped on the ATV and were about to take a
ride around the insured's property. The culprit… a shoe lace… I’m going to date
myself a bit but do you remember the movie, “Footloose”? When Kevin Bacon is
the new guy in town and is forced into playing chicken on a couple tractors with the “it” guy in
town. Ren’s (Kevin’s character) shoe lace gets caught around the gas pedal and
he can’t move his foot to hit the break? In the end, because he couldn’t break
the “it” guy went into the ditch, causing Ren to win! Awesome, right?! Similar
situation with our insured in that his shoe got stuck between the gas and the
side of the ATV, while in reverse and they flipped backward onto the insured and his
guest.
With all
that being said, the good thing is, the insured was fully insured so he and his
guest were taken care of. The guest’s medical bills and even time he had to
take off of work for recovery was covered because the insured made sure that
he had the right insurance in case of an accident on his property. So in his
case, having the right insurance really was NO accident.
Something like this can happen not just on an ATV. It can happen on things we don't think about like dirt bikes, golf carts, boats, go-carts, snowmobiles and many more off road vehicles. This is why we want to make sure you have
all the coverage you need. We are always willing to look over your policies to
make sure that you do. Schedule a Farmers Friendly Review today because again,
having the right insurance is NO accident. Or like Farmers Insurance says, “We
know a thing or two because we’ve seen a thing or two.”
