ATV insurance in Russia. Safety regulations.

Unfortunately, Russia has adequate statistics ATV accident, no, because an accident involving a quad bike in law are not an accident, and the injuries often appear as domestic. But, based on indirect evidence, the situation is not very optimistic. In Europe and the USA for emergency ATV followed strictly, but the picture, despite the efforts of the authorities and institutions active in safe driving with ATV dealers are also not rosy.

In the United States since the beginning of the new millennium, each year from 700 to 900 deaths and thousands of injuries 110-150 of managing ATV. In this case, a big part of the deaths (17%) and injuries (25%) are in the proportion of children and adolescents under 16 years of age. It is clear that there ATV park ten times more than in Russia (according to experts, the expanses of the U.S. is now about 10 million rides ATV, while in Russia due to hundreds of thousands), but also instills a Culture of Driving ATV also can not be discounted.

In Europe the situation is not much better, and the government is also working on the problem - financing activities of organizations, training kvadrotsiklisty and promotes safer driving, allocate land for the organization closed roads and so on. And what have we? While only Yamaha dealers are trying to educate their customers the basics of safe driving but some clubs are brainwashed pilots newcomers for the obligatory presence of equipment. And all.

But even if they meet all conceivable precautions probability of an incident is. How about it? You can go in a civilized way and part of the problem (at least - financial) to delegate the insurance company. So, how can protect themselves and their property kvadrotsiklisty?

First, in Russia there is a chance to protect ATV. Most of his fears as property, not as a vehicle, so this way you can protect ATV theft and destruction resulting from, for example, a fire, but not from an accident or injury. This, of course, does not return your favorite ATV, if by night he "attach legs" "good people", of which we have in abundance, but will go through the bitterness of parting with minimal financial losses and even purchase the amount of insurance payment comes true. Full helmet on ATV - is practically inaccessible pleasure in the 1st place because of the necessary conditions for this - the presence of the driver's license and registration at the ATV Gostehnadzora. But things are changing, and perhaps in the future, such an insurance product appears on the market.

Secondly, you should think about others, property or health can be affected. This is decided liability insurance to third parties.

But do not forget about yourself. Insure their lives and health ATV driver may in several ways. The most common - voluntary health insurance, but this is not always possible to find programs and hospitals to meet the specific requirements of the potential victims of ATVs. So it makes sense to think about the insurance program "Emergency medicine", designed specifically with the needs of motorcyclists and other motor vehicles.

Also, there is accident insurance - in fact, it is hedging the risks associated with a temporary disability. In other words, when the insured event is not payment for medical care, and payment for specific damages the body. But insurance is insurance, and the minimum set of first aid should always carry with them.

Simple rules of safe driving:

1. possible, take courses at ATV Control.
2. carefully read the operating manual ATV.
3. Always wear a helmet, goggles and protective gear. In its absence - pants, long sleeves, high sturdy shoes and gloves.
4. Avoid traffic on paved roads.
5. Never get behind the wheel ATV under the influence of alcohol, drugs, potent drugs.
6. not carry passengers on single quad.
7. manage ATV, appropriate driving skills and age.
8. Control kvadrotsiklisty whose age is less than 16 years. Quad bike - not a toy!
9. Driving the safe speed, preferably on marked trails or approved.