Insurance for your atv/3wheeler

[riverrat]

So I am thinking of purchasing a brand new Kawasaki Prarie 360 4x4, you know for yard work and stuff. Also easier for my son and wife to ride. The 3 wheeler kind of scares them. So I call my insurance agent, and get a quote for insurance. $178 a year, full coverage. So them I ask, while I got you on the phone, how much is my 110atc, and 200x, MINIMUM LIABILITY. She calls me back and says, $113 for the 110, and $298 for the 200x. Needless to say I was pretty upset.

This is minimum liability we are talking about, not full coverage. So the insurance company not only thinks 3 wheelers are more dangerous for the rider, but for people around the rider as well? Please explain this one. I would love to see statistics. I don't want to insure myself, just in case I hurt someone. I don't freakin get it. The 4x4 weighs like 600lbs, can climb over just about anything, tows stuff, and goes 50mph, how is that not more dangerous than a 200x?

:mad: :mad:

[riverrat]

LOL check this article out:
http://www.resource4accidents.com/topics/atvaccidents.html

[riverrat]

This one is nice too:

Four-Wheelers Just as Dangerous as Three-Wheelers:
Many Americans probably believe that the conversion from three-wheel to four-wheel ATVs in the late 1980s would produce sustained safety improvements. However, medical research and comprehensive analysis by CPSC directly challenge the assumption that four-wheel ATVs are fundamentally safer than the three-wheel machines.
• In a 1998 study, doctors from Arkansas conclude: “Although manufacturers have touted the four-wheel vehicles as being safer than the three-wheel variety, the relative increase in safety is negligible … Injuries sustained in accidents involving four-wheel ATVs are just as severe as those incurred with three-wheel ATVs.” (Russell et al, 1998)
• CPSC concludes that four-wheel ATVs are as prone to tipping over as three-wheelers. It found that ATVs (regardless of the number of wheels) were more likely to tip over back to front than side to side (57 percent to 43 percent of accidents). It also states that, “[T]he proportion of [side] to [backward/ forward] tip over was not different between 3- and four-wheel ATVs.” (All-Terrain Vehicle Injury and Exposure Studies, 1998)

From here:
http://www.naturaltrails.org/issues/factsheet_pdfs/ATVSAFETY-205.pdf

[riverrat]

This is good too:

The second most frequently reported hazard pattern, overturns, accounted
for 28 percent of all An/-related deaths (Figure 6). Overturns usually occurred .
as a result of the operator losing control, or while riding up or down hill.
Backward overturns occurred more frequently than forward overturns, and
rollovers (sideward) occurred with the least frequency.

From here:
http://www.cpsc.gov/library/foia/foia98/os/3548a5dc.pdf

Looking at those numbers alone, makes me wonder just how dangerous are three wheelers, and how much blame is to be put on the design of a 3 wheeler. In 22 years, I have only once rolled my 3 wheeler over the side, and that was because I got cut off doing a wheelie, and had to slame on the brakes. I have only riden 4 wheelers just a few times, and I managed to roll it over the side, because I was doing a donut, and there was pavement under the gravel that I did not know about. So I would say both times it was partially operator error, and neither is really safer than the other. Where the hell do these insurance companies get off charging such ridiculs rates?


From the same page:

Over half the incidents occurred on roadways. Approximately 29 percent
occurred on paved roads, and 31 percent occurred on non paved roads. Most
were public roads. Sixteen percent of the incidents occurred in fields. Four
percent occurred in forested areas, 4 percent on beaches and sand dunes, and 3
percent on yards or lawns. Other types of terrain where incidents occurred
include deserts, snow and ice areas, parking lots and railroad beds. These
accounted for 15 percent. Only 1 percent of the incidents occurred on ATV
tracks or trails.

So basically if you ride your ATV on an ATV trail, you have less than a 1% chance of rolling over the side. More like a 0.015% chance.
Sounds like what the government needs to do is open more trails to make it safer for us.

[wad]

My 200x costs me £148 per year and thats road legal insurance

[riverrat]

That's n ot U.S. then?

[stoney420]

no its obviously not since he didnt use the american $ dollar symbol

and ofcourse insurance companies think trikes are more dangerous, damn cpsc has em all brainwashed