ATV accident: are you covered?
Article revised on 19 November 2018
Whether it’s to go hunting, fishing or on a hiking trip, the all-terrain vehicle has a growing fan base in Quebec. Although ATVs are very safe, even the most careful drivers can get into an accident. That’s why it’s vital to properly insure your vehicle before venturing out into the great outdoors.
ATV insurance: how to navigate through it
Civil liability insurance
Quebec laws require that an ATV owner take out civil liability coverage. A minimum of $500,000 is recommended to ensure adequate coverage. This way, if you are involved in an at-fault accident and injure someone, the victim can seek compensation should a legal proceeding be instituted against you.
Note that the Société de l’assurance automobile du Québec (SAAQ) does not compensate victims if the accident occurs on a public road.
If the accident occurs on a trail, your civil liability insurance can pay for the injuries caused to others if you are held responsible. That’s why insurers strongly recommend taking out a civil liability limit of $1 or $2 million to cover all your bases.
Why pay for vehicle registration?
Registration is mandatory and is used to compensate victims from accidents occurring on public roads. The money is also used to set up or continue funding financial assistance programs including: assisting off-highway vehicle clubs, developing and maintaining infrastructures for off-highway vehicles, and preserving wildlife and wildlife habitats.
Coverage for damage to the vehicle
Civil liability insurance does not cover damage to ATVs. Basic coverage for ATV insurance are similar to those offered for cars. For example, “collision” insurance covers your own damages if you should ever lose control of your vehicle or an accident with another ATV.
Comprehensive insurance will cover you in the event of fire, theft, vandalism and other perils. If you wish to lower your insurance costs, you should think about the “Various perils” coverage. You will then be covered for fires and theft, but other perils, such as vandalism and glass breakage (windshield), will be excluded.
How to calculate the cost of insurance?
Each insurer has its own formula! For example at La Capitale, we have developed a personalized rating method that factors in the following:
- Engine strength
- ATV category
- How much the vehicle is used
- Driver’s age
- Driver’s experience
The deductible amount also impacts the cost of insurance. The deductible is the amount you must pay in the event of a loss. The higher your deductible, the lower your premium, and vice versa.
The maximum reimbursement amounts (limits) also impact the cost of insurance. Don’t forget to adjust these amounts according to your needs. For example, calculate the value of the accessories added to your vehicle and verify if the maximum reimbursement amount under your insurance policy does indeed cover all your equipment.
1. If you recently purchased a vehicle, the “replacement value” coverage is an interesting option. This coverage (also known as endorsement or Q.E.F. No. 43) will entitle you to a reimbursement based on the price you paid. When necessary, damaged parts will be replaced by new parts.
2. The “Life and Health” insurance coverage (endorsement or Q.E.F. No. 34) reimburses certain medical expenses. This additional coverage also provides for the payment of an amount to your estate in the event of death.
An exclusive coverage offered by La Capitale
The Airmedic coverage is offered to La Capitale clients for a minimal fee, or even free if you already hold ATV insurance and home or auto insurance.
Airmedic offers emergency medical transportation by helicopter or airplane to the most suitable hospital 24 hours a day, 365 days a year. With bases in Saguenay, Quebec City, the Laurentians, Montreal, Chibougamau and the Eastern Townships, Airmedic is well positioned to serve you anywhere in Quebec.
Within minutes of receiving your call, a helicopter is dispatched to pick you up wherever you are in the province. It will take you to the most suitable hospital for your condition.
Learn more by visiting the Airmedic website or click here if you are La Capitale clients.
 Source: An Act respecting off-highway vehicles, Chapter VI.1
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