UPDATED!!!!!!!!

************************************************** *******
Well It finally happened. I was in accident with an ATV on the Trails.
It was tonight around 730pm. I was travelling on the side of the road towards the trails. (The trail does run on the road). I saw the ATV coming off the trail I gave him the left side of road and I moved towards the centre of the road. The ATV lost control on his machine and slammed into the side of my sled.
I had my two old daughter on the sled with me. Thank God she strapped to me with her safety belt. Jenna was not injured, thankfully. She was my first concern.
I was just about at a dead stop when he hit me. He was sliding on the ice unable to stop when he hit me.
The very nice people come out their house to assist us. They looked after my daughter while I took care of business with the ATV driver. No fist were flying but I come very close to kicking the crap out of him because my daughter could have hurt.

I ask the officer if ATV's were legal on the road or on the trail. His response NO. ATV's are not legal to drive on public roads, side of the road or the snowmobile trails.

The officer just dropped the report of to me. He found the driver at the local bar drunk.
I do not know if he is being charged with any other offense.

Damage to the ATV none.
Damage done to my MXZ: Hood is crack in 4 different places. Belly pan is crack in 3 different places. The crowl and clutch cover busted. The Primary clutch was damaged along with engine crank was bent. The clutch is now cockeyed with the engine. I suspect the bottom end is now shot.

ATV's do not belong on the trails as this is the proof.

Just had to vent thanks for listening.
:bash: :bash: :cussing: :cussing:

Main thing is your daughter is ok :thumbsup:

I almost had an ATV collision 2 weeks ago too :bash:

Hopefully the guy was insured and will pay for the damages and get you back on the trail ASAP

I would of beat the :cussing: out of the ATVer :dazed:

I always worry about something like that when I take my 3yr old nephew out for rides

Sorry to hear that. Hope you can get it fixed.

We dont need drunks on the trail regardless of what they ride.

Glad to hear you and your daughter are ok. Being the guy was drunk can he be charged with DUI?

with the care, control and anticipation of what was going to happen my hat is off to you.

glad to hear you and your daughter are alright ,I would take it the atv rider didn't get hurt ( to bad) .I hope the cops throw the book at him.I live in the Oshawa area we have the same problems with the atvs & the clowns with the 4wd trucks on some parts of the trails .THE OFSC AND THE POLICE ARE NOT DOING NOTHING ABOUT IT ..I guess the only way any thing's are going to get done if someone gets hurt real bad or if someone dies.I take my 20 month old son with my wife, if that happen to I would be in jail.Hats off to you bigdaddydoo for controlling your temper

I am glad to hear you and your daughter are alright....I hope they do throw the book at the guy to for being drunk. I think you handled that very well....I know if I had a kid with me and that happened I woulda FLIPPED.....one question though...Are four-wheelers allowed on OFSC if they are going ice fishing some one told me they could?

I too am glad that you and your little one are okay. It certainley could have been worse.

I dont like seeing the ATV's on our trails either. Even when sober, the rider just dosent have much control on the snow. I can say this with authority as I have owned ATV's in the past and have riden them on snow many times. And they do damage the snow on the trails. I have seen that countless times.

My theory about the problems of ATV riders has alot to do with thier average age and lack of responcibility. When I see ATV'ers parked along the side of the trail, 9 times out of 10 thier teenagers to early 20's at most. Not all but alot of the current crop of GenX have this "No Fear" attitude that in my mind just means "No Respect" for anything or anyone, themselves or otherwise. So if they dont care about dieing, why would they care about being a hazard to us while they damage our trails.

Have you ever seen the "donut guy"? He's the idiot on the ATV that you come accross usually at trail intersections doing donuts and ripping the hell out of the trail. There always seems to be at least one of these guys in every atv riding group.

Finally here in NH the Fish & Game Dept has started to crack down on ATV'ers on the snowmobile trails. Living with a major state snowmobile trail right past my property, I have seen the ATV traffic almost stop compleatly year round. Back when the ATV boom exploded 4-5 years ago it was like a highway out back, even though the ATV riders were riding there illegally year round. Walkers, bikecycles, horses only during summer, snowmobiles only in winter...period... is all thats allowed out there. For some time the F&G Dept turned thier head with the atv riders as long as they saw a current registration tag and they werent doing anything wrong right in front of them. But for the last few years they have increased the fines in both $$$ and how many they hand out so now its rare to see one go past my house.


Then if you add booze to the mix, either it ATV'er or snowmobiler and all goes out the window anyway. :confused:

Sorry to hear about your accident. Tell me, did the guy flee from the accident. You mention that the cops found him in a bar? I am not a strong supporter of suing people, however, I would defintley consider it..our clubs, landowners are always getting sued. I would like to see JUST THE PERSON RESPONSIBLE sued..ie this drunken idiot that hit you. I would like to see these people have their butss sued off, with an award going to the injured party and the ofsc and or local snowmobile club for trail maintenance...groomer pay whatever

Thank you everyone for your concern about my daughter. She is just fine. She woke up this morning asking me to go sledding. She brought her helmet to me saying "Doo Doo Daddy" and then pointed to my sled.

I will keep in touch with the Officer to find out what will happen to the ATVer.
Will let everyone know when I find out.
Right now the sled in derivable and I'm going to take it to the dealer for him to fix it up. Hopefully it take to long.

Again thanks everyone for your concern.

Did you say he was drunk when the accident occured, or just that the cops found him after the fact in a bar?

The guy did not flee from the accident. Too many people saw him after the collision.
The ATVer and I swapped paper work, names and went on our way. I had told him that I would be calling the cops when I got home due to the damage. I just wanted to get my daughter home. The police showed up at my home about 45 min later to take down my statement. They went looking for the ATVer and found him the local bar.

so he cant be charged with dui then. but still i hope he gets whats coming to him.....i tell you if i had my 3 year old with me and any body hit me and he got hurt they deffinatly would be able to reconize the guy after words. wehter he was on a atv, sled or in a car......

we all have to remember that we are not the only ones on the trail..........

First off, I too am glad you and your daughter were not hurt. That's the most important part.

I'm also glad she wanted to go riding again. Hopefully that Doo is up and running real quick. The season is way too short to begin with, without some idiot cutting it even shorter on you.



Originally posted by revingred@Jan 16 2005, 08:45 AM
.THE OFSC AND THE POLICE ARE NOT DOING NOTHING ABOUT* IT
389636


Just to clarify. What do you expect the OFSC to do about it?

The OFSC has gotten the Government to pass Bill 101. (Much to the dismay of many BTW) That very important piece of legislation was necessary in order to allow the police onto the trails (Private property) and enforce the rest of the legislation only allowing *PERMITTED* snowmobiles on the trails. Before Bill 101, the police could only go onto Crown Land and at road crossings to enforce the laws. They have made us club volunteers post very specific signs and in very specific locations so that when police officers, game wardens (who rarely enforce Bill 101) and S.T.O.P. officers (Club volunteers that don't get paid for any thing they do.) and last but definitely not least, Trail Patrol Members. (Also volunteers, but are only able to lay trespass to property charges.) lay charges, judges can make them stick. So in a nutshell, we volunteers are doing a heck of a lot more work to try to keep those that don't belong on our trails, off of them.

Our biggest problem is still the fact that it's difficult to get enough police enforcement on the trails.


"DOO THE DOO Posted Today, 09:27 AM
I am glad to hear you and your daughter are alright....I hope they do throw the book at the guy to for being drunk. I think you handled that very well....I know if I had a kid with me and that happened I woulda FLIPPED.....one question though...Are four-wheelers allowed on OFSC if they are going ice fishing some one told me they could?"


UNDER ANY CIRCUMSTANCES, ATV'S ARE NOT ALLOWED ON OFSC TRAILS. Even if they are going fishing.

Originally posted by trailblazer@Jan 16 2005, 01:35 PM
First off, I too am glad you and your daughter were not hurt. That's the most important part.

I'm also glad she wanted to go riding again. Hopefully that Doo is up and running real quick. The season is way too short to begin with, without some idiot cutting it even shorter on you.
Just to clarify. What do you expect the OFSC to do about it?

The OFSC has gotten the Government to pass Bill 101. (Much to the dismay of many BTW) That very important piece of legislation was necessary in order to allow the police onto the trails (Private property) and enforce the rest of the legislation only allowing *PERMITTED* snowmobiles on the trails. Before Bill 101, the police could only go onto Crown Land and at road crossings to enforce the laws. They have made us club volunteers post very specific signs and in very specific locations so that when police officers, game wardens (who rarely enforce Bill 101) and S.T.O.P. officers (Club volunteers that don't get paid for any thing they do.) and last but definitely not least, Trail Patrol Members. (Also volunteers, but are only able to lay trespass to property charges.) lay charges, judges can make them stick. So in a nutshell, we volunteers are doing a heck of a lot more work to try to keep those that don't belong on our trails, off of them.

Our biggest problem is still the fact that it's difficult to get enough police enforcement on the trails.
"DOO THE DOO* Posted Today, 09:27 AM
* I am glad to hear you and your daughter are alright....I hope they do throw the book at the guy to for being drunk. I think you handled that very well....I know if I had a kid with me and that happened I woulda FLIPPED.....one question though...Are four-wheelers allowed on OFSC if they are going ice fishing some one told me they could?"
UNDER ANY CIRCUMSTANCES, ATV'S ARE NOT ALLOWED ON OFSC TRAILS. Even if they are going fishing.
389753

trailblazer it sounds like you are volunteer ,the question I have for you ,if a sledder is out riding in the trails we come upon a atv or 4wwd truck ,take the plate number and call the police or call ofsc. Will this hold up or is this just here say

Originally posted by DOO THE DOO@Jan 16 2005, 09:27 AM
Are four-wheelers allowed on OFSC if they are going ice fishing some one told me they could?
389648


NO>>>>> Not in anyway shape or form... You can with a sled by entering and leaving at the nearest point...to the lake....

Originally posted by revingred@Jan 16 2005, 02:39 PM
trailblazer it sounds like you are volunteer ,the question I have for you ,if a sledder is out riding in the trails we come upon a atv or 4wwd truck ,take the plate number and call the police or call ofsc. Will this* hold up or is this just here say
389766


We had the local police into the club. It is the marine unit for the York Region Police force. They are on the trails, lakes and roads at this time of year for there full shift enforcing the law. The night before they had caught up with a guy riding a stolen Atv down the side of the road.
He asked us to do just what your are asking about, and they would follow-up.

Also he said we as Canadians in most cases do not know our rights to make citizens arrests when you find someone committing a criminal offence. I have heard some say that they have disabled the sled or atv of those they have found breaking the law, and gone to and got the police

Definitely copy down the registration, ask for their drivers license and ownership, take a picture and get it to the local police. Some maybe too busy or not interested, but I'm sure most would be more than happy to get the leads

Originally posted by me&myMXZ583@Jan 16 2005, 03:29 PM
We had the local police into the club.* It is the marine unit for the York Region Police force.* They are on the trails, lakes and roads at this time of year for there full shift enforcing the law.* The night before they had caught up with a guy riding a stolen Atv down the side of the road.
He asked us to do just what your are asking about, and they would follow-up.*

Also he said we as Canadians in most cases do not know our rights to make citizens arrests when you find someone committing a criminal offence.* I have heard some say that they have disabled the sled or atv of those they have found breaking the law, and gone to and got the police*

Definitely copy down the registration, ask for their drivers license and ownership, take a picture and get it to the local police.* Some maybe too busy or not interested, but I'm sure most would be more than happy to get the leads
389796

I guess I'll start carrying a note pad & pencil.they should increase the set fines for no tresspassing

Hopefully somebody will take note of the idiot on the Raptor that rips up the trails in Midland. I've seen him two seasons in a row now.

Originally posted by revingred@Jan 16 2005, 02:39 PM
trailblazer it sounds like you are volunteer ,the question I have for you ,if a sledder is out riding in the trails we come upon a atv or 4wwd truck ,take the plate number and call the police or call ofsc. Will this* hold up or is this just here say
389766


I was talking to our Ex Club Prez and trail coordinator about this

They are on my parents bowling team :)

I mentioned when out riding we should take pictures of the tresspassing ATVS and plate #s

Was told the police do not want to be bothered with this :dazed:

Originally posted by FreezerBurnt@Jan 17 2005, 12:16 AM

Was told the police do not want to be bothered with this :dazed:
390005


Back a few years ago we had the same problem here. The F&G Dept. said they werent responcible for enforcing local town laws and threw it into the local town police depts lap. None of the local police depts that I know of had any sort of off road vehicle or atv to use to moniter or persue anyone on the trails anyway. The best they could do was park there cruisers at the road crossings and hopefully get lucky.

Eventually the state got involved in the effort a little better and outfitted F&G with better equipment and decent 4x4 atv's and tossed it back to them to moniter and enforce the trail use. The atv's are only used during warm months, sleds are used during snow months. The state also has come up with 5 or 6 atv riding area's around the state to give the law breakers a legal place to ride. Before this most enforcement turned thier head on the atv riders riding illegally as long as no one called and complained. Now that they have legal areas to ride F&G has been alot tougher about the illegal riding. Handing out fines at every oppourtunity. This for the most part has realy helped keep them off our trails year round.

Originally posted by SDRENE800RER@Jan 17 2005, 12:28 PM
Handing out fines at every oppourtunity.
390045

Whoo-Boy! Sounds like paradise!

I really hope I never end up living somewhere like that.

"Was told the police do not want to be bothered with this "

Why not check with the police? There may be some sledders on the force who are just as upset about the law breakers that they would be happy to follow up on your leads, maybe not. Won't know until you ask them

I posted this on the drunk driving message from Boondocker but it certainly merits posting here too! And YES, the kid was one of those Gen X'rs I saw in the parking lot when I was unloading my sleds - the two ATV'rs go ripping off doing donuts and creating ruts (Oregon allows them on snowmobile trails for some ungodly reason) and I mentioned to my buddy how I'd like to wipe them out, well somebody upstairs must have heard me because this is what happened:

A drunk kid on an ATV cut a blind corner the other day - just as I was coming in hard. Good thing I was anticipating (and that I have shaper bars that probably gave me the steering control to save his life). He was going fast and when he realized his mistake, swerved hard - too hard and cartwheeled at about 40-50 mph. He was okay but his ATV didn't look to be. And just further up the trail was a badly rutted out section (LOTS of ATV traffic on this trail) with a hard corner. Well there was a sled-sized chunk taken out of the bark of an old growth Doug Fir. Whoever hit that probably did not live to tell about it.

DON'T CUT BLIND CORNERS and save the drinking for AFTER the riding PLEASE!!!

G MAN

Originally posted by NewfieBullet@Jan 17 2005, 09:09 AM
Whoo-Boy! Sounds like paradise!

I really hope I never end up living somewhere like that.
390063


That applies mainly just to the areas where the atv riders are riding illegally. Areas that are clearly marked as such. The legal areas for them rarely see the F&G officers, and when the do its generally when someone has registered a complaint about something that the riders are doing, ie. drunk driving or going off trail.

As far as the officers fining sledders, you realy have to be screwing up on the trail to have a problem with them. Thier ussually cool with sledders as long as they see current registrations and the riders thay come accross havent turned the idiot switch to "on".

The sad truth is they do what they have to do because its the law that they are paid to enforce. This area sucks and for the time being im stuck here. This area is rampant with people that take the "live Free or Die" state motto very seriously and think that they can do any damn thing they want. Then there are the out of staters that come to NH to ride both atv's and sleds that also beleive that they are immune from the laws also.

I think that morans shouldnt' be allowed on the trails, I don't believe it was the atv that is the problem, i believe it was the rider. I have come really close to getting hit by sleds that were out of control. or was it the rider?
I do both, atv and sled, so I am biased. I think they both have a place as the head is to be on the shoulders of the ride. and NO DRINKING!!! Why is it that every trail leads to a bar?

Originally posted by fennsz@Jan 19 2005, 12:10 PM
I think that morans shouldnt' be allowed on the trails
391039


If only we had a test you have to pass each time you decide to go riding :christmas:

In a way its probably good you had your daughter with you. If the guy was drunk you could have really worked him over and who the hell is gonna find out.

Officer: "what did the guy look like?"
idiot: " Uh well, he was driving a yellow sled and had a balck helmet on"
Officer: "uh yeah well get'em don't you worry" /officer proceeds to go to his car and laugh.

Originally posted by EGXCR@Jan 21 2005, 04:22 AM

Officer:* "what did the guy look like?"
idiot: "* Uh well, he was driving a yellow sled and had a balck helmet on"
Officer: "uh yeah well get'em don't you worry" /officer proceeds to go to his car and laugh.
391789



Awesome that made me LOL

For the 'the cops don't acre' poster-might contact your local snowmobile club-find a friendly reporter on the local paper, explain the problem to them and that the cops aren't doing anything-one or more article in the paper should motivate them-I would only do this after having some club officers go to the police and meet with them. If the cops do nothing after that, the press would be a good step.

Also, if your local politicians are worth their salt, you might go the same meeting route with them. Cops or politicians-good press/bad press is very important to them-and it will motivate them.

Your best bet is to express your concerns at a city council meeting. I work in a small town as a cop and alot of times people get frusitraighted with something that is going on that we dont know about and when the coucil members tell us about the communities concerns we go out and try to take care of the problem. As for me, I am all for stopping four wheelers that are on the trail, and I do it.
I do check snowmobilers from time to time, but only ticketed one person last year, and he ended up forfeiting his sled, so there was due reason.
So moral of the story, if your department doesnt want to take care of problems your encountering go to the city council, and they will twist the cops arms for ya.

UPDATE:

Well I finally got the report from the insurance company.

THE SLED HAS NOW BEEN OFFICALLY BEEN WRITTEN OFF, SCRAPPED GONE TO THE SLEDDING GODS ABOVE.

Repair cost $7900
Black Value $4400
The insurance company is now going to give me a cheque for $4800. tax included.

I know the appraiser is just doing his job and my brain says this is correct but my heart says a lot more$$$.(maybe $500-$600 more)
The time and effort I have spent keeping the machine clean and polished. All stock but have clutch kits and tuned the carbs to run just the way I wanted them too.

I now feel that the As*!@le on the ATV has ripped me off. :bash:

After this experience I will do everything in my power to keep ATV's off the trails. I'm now concidering becoming a Trail Warden so that I can sit on the trail and wait for the ATV's to come around the corner.

This has been quite the horrible experience and I just wanted to thank everyone for listening.

Thanks SWRules

Glad to hear things are moving along quickly even though they seem to be a little light on the payment. Do you have the option to buy the sled back and part it out to make some of the $$ back??

Originally posted by bigdaddydoo@Jan 27 2005, 07:29 PM
UPDATE:
Black Value $4400
The insurance company is now going to give me a cheque for $4800. tax included.
394971

is the cheque net of the deductible? make sure you get the actual cash value of the sled plus both taxes. i can't figure out why insurance companies here only include one tax on a payable loss cheque.

Originally posted by bigdaddydoo@Jan 27 2005, 07:29 PM
UPDATE:

Well I finally got the report from the insurance company.

THE SLED HAS NOW BEEN OFFICALLY BEEN WRITTEN OFF, SCRAPPED GONE TO THE SLEDDING GODS ABOVE.

Repair cost $7900
Black Value $4400
The insurance company is now going to give me a cheque for $4800. tax included.

I know the appraiser is just doing his job and my brain says this is correct but my heart says a lot more$$$.(maybe $500-$600 more)
The time and effort I have spent keeping the machine clean and polished. All stock but have clutch kits and tuned the carbs to run just the way I wanted them too.

I now feel that the As*!@le on the ATV has ripped me off.* :bash:

After this experience I will do everything in my power to keep ATV's off the trails. I'm now concidering becoming a Trail Warden so that I can sit on the trail and wait for the ATV's to come around the corner.

This has been quite the horrible experience and I just wanted to thank everyone for listening.

Thanks* SWRules
394971



Is that your 800 that's going to the bone yard? Is the motor in it still good? Can you ask the insurance guy if there's a way you can buy back the junk sled, and how much it would be? I'd be interested in buying a crashed 800 if the price was right...

Originally posted by Andy Dragon@Jan 28 2005, 09:36 AM
I agree with you and understand exactly where you are coming from.

But....

What if it had been a drunk on a sled which crashed into you?

:cussing:
395224


I was thinking about this too... What if it had been a sober person on a sled even? Good thing bigdaddydoo didn't get in to a wreck with another sled, because then he'd be spending the rest of his life trying to keep sleds off the trails...

Originally posted by Andy Dragon@Jan 28 2005, 09:36 AM
I agree with you and understand exactly where you are coming from.
But....
What if it had been a drunk on a sled which crashed into you?
Anyway, like I said, I agree with you.* Nothing like getting boned by the insurance company for an accident with a vehicle riding on the trails illegally.
:cussing:
395224

the worst part,,,, because the bonehead was hammered he has no insurance so when that happens you fight with your own insurance company. :ohmy:

Originally posted by rampage@Jan 28 2005, 02:45 PM
I was thinking about this too... What if it had been a sober person on a sled even?* Good thing bigdaddydoo didn't get in to a wreck with another sled, because then he'd be spending the rest of his life trying to keep sleds off the trails...
395228



I believe his point was-an ATV on a trail where no ATV belongs-he'd probably be pissed if another sled hit him, but at least the sled has the right of law to be on the trail-the ATV does not. :bash:

I still believe that ATV's do not belong on trails. Sleds do belong on the trails with a valid trail pass.

My point is I'm still pissed that a illegal ATVer has cause this problem for me. If it was a sledder who belongs on the trails I would still be pissed off but not at the sledder.

I did receive my cheque today it was $4500 plus tax for $4860. If I buy a sled from a dealer in the next year I can then claim the GST from the insurance company.

No I did ask about buying the sled back for one reason I do not have time part the sled out.
The engine needs to have the bottom end rebuild with a new crank.

I hope this answers everyones questions.

Thanks

Originally posted by rampage@Jan 28 2005, 02:45 PM
I was thinking about this too... What if it had been a sober person on a sled even?* Good thing bigdaddydoo didn't get in to a wreck with another sled, because then he'd be spending the rest of his life trying to keep sleds off the trails...
395228

What if had been somebody driving "too fast"? Would you start crusading then for strickter trail enforcement?
Don't get me wrong, I know how much it sucks to have been in an accident that was somebody elses fault. I got rear-ended by a guy that was drunk a few years ago, and it just about destroyed my sled, and only be shear luck did I walk away from it. But stuff like that happens sometimes, you have to keep it in perspective.

What's more dangerous? A guy on an ATV, or some lunatic driving way too fast on a 150hp sled? I'll lay money that more accidents are caused by sleds then ATVs.

Originally posted by NewfieBullet@Jan 28 2005, 04:42 PM


What's more dangerous? A guy on an ATV, or some lunatic driving way too fast on a 150hp sled? I'll lay money that more accidents are caused by sleds then ATVs.
395382


very good point newfiebullet.

why cant the gov make it law that ATV's have manditory insurance on them? i know when i bought my ATV in 99 i did not need insurance, but when i went to sign the paper for my sled i had to show the bank and dealer that i had proof of insurance before i signed the papers. if they were forced to have insurance then maybe i wouldnt mind having them on the trail, that way when they do hit someone then they are covered, i know this is off topic a bit but i just had to say it

Originally posted by Andy Dragon@Jan 28 2005, 07:25 PM
Yeah, THERE'S a good idea....more mandatory insurance in a province that is jacking us for everything else we own....


395418


ok so bigdaddydoo has to go through HIS insurance to PAY for someone elses stupidity. but thats ok cause the government is jacking you for everything else.
give me a break.

Actually in Ontario it's already mandatory to have PLPD on your quad if you use anywhere other than your own proprety.
In someways it does seem kind of silly. THere's not near as much ATV traffic in the summer as there is snowmobile traffic, so your chances of an accident are pretty slim. Especially at 5 mph crawing through a swamp.

Originally posted by Andy Dragon@Jan 29 2005, 01:59 AM
No, this drunk-monkey on the ATV should be out of pocket for the accident.* It was his fault, he was drunk, he was trespassing on a snowmobile trail.* What's hard to understand?

PERSONAL RESPONSIBILITY.* Maybe if the law actually comprehended that the person responsible for the accident should pay for it...you know...the consequences of one's own actions.
395470

Actually, Bigdaddydoo never said he was drunk when the accident occured, but that he was at a tavern afterwards.
The law does comprehend personal responsibility. The problem is, and mandatory insurance exists because of, people who do not have the money and/or credit to pay for damages they cause.

Personally I would not have put an accident like this through on my insurance. It will cost you more in teh long run because of increased rates. I would've fixed the thing myself at about 1/2 the cost of the estimate, and sold the machine next year. Been there, done that.

Originally posted by NewfieBullet@Jan 28 2005, 11:40 PM
Actually, Bigdaddydoo never said he was drunk when the accident occured, but that he was at a tavern afterwards.
The law does comprehend personal responsibility. The problem is, and mandatory insurance exists because of, people who do not have the money and/or credit to pay for damages they cause.

Personally I would not have put an accident like this through on my insurance. It will cost you more in teh long run because of increased rates. I would've fixed the thing myself at about 1/2 the cost of the estimate, and sold the machine next year. Been there, done that.
395537



Well your correct I never did say the ATVer was drunk nor could I tell. The police did find him at the tavern after the accident.

In concerns with the insurance. The ATVer did provide a policy # for the ATV so he did have insurance on his machine.
Since the accident was determined "Not My Fault" but the fault of the ATVer, it does not effect my insurance rates. It will effect his insurance rates. My company was more then accommodating for me willing to send a physio therapist to my home to look my daughter and myself for any injuries. (neck,spine etc etc)

My main concern was somebody being somewhere where they shouldn't have been there.