Personal injury
Both passengers suffered serious injury. One
passenger sustained a degloving leg injury—resulting
in extensive nerve and muscle damage. The second
passenger sustained a fractured arm, multiple leg
breaks and a degloving leg injury. Due to the severity
of the injuries, both passengers will require treatment
throughout their lives.
with any training, materials, suggestions or information provided. It
is the user’s responsibility to confirm compliance with any applicable
local, state or federal regulations. Information obtained from or via
Nationwide Mutual Insurance Company should not be used as the
basis for legal advice or other advice, but should be confirmed with
alternative sources. Nationwide and the Nationwide N and Eagle are
service marks of Nationwide Mutual Insurance Company.
Personal responsibility
Police came to the scene of the accident and
interviewed several witnesses who reported seeing
the driver operating the unit in a reckless manner.
As a result, the farmer’s son received several tickets,
including reckless driving, operating a motor vehicle
without a license and parental permission to operate a
motor vehicle without a license.
Financial consequences
All of the families were friends, but due to
the severity of the injuries both sets of parents
immediately sought legal counsel. The farmer had a
farm policy with a $ 1 million limit and an umbrella
policy with $1,000,000 limit. The full limits of both
policies were paid to resolve this claim.
Accident prevention
Parents should determine each family member’s
readiness to operate an RTV or ATV based on
physical size, coordination, balance, ability to judge
distances, willingness to follow rules and peripheral
vision. Visitors to your farm should never be allowed
to ride or operate your RTV or ATV.
Careful operation is your best protection
against an accident. All operators should read and
understand the vehicle operator's manual and other
related manuals before operating the vehicle or any
implement attached to it. It is the owner's obligation
to instruct all operators in safe operation.
Products underwritten by Nationwide Agribusiness Insurance
Company, Farmland Mutual Insurance Company, Allied Property
and Casualty Insurance Company and AMCO Insurance Company.
Home Office: 1100 Locust Street Des Moines, IA 50391. Subject
to underwriting guidelines, review and approval. Products and
discounts not available to all persons in all states. Source: 2014 SNL
Financial Report. Based on statutory data. The information included
in accompanying materials was obtained from sources believed to be
reliable, Nationwide Mutual Insurance Company and its employees
make no guarantee of results and assume no liability in connection
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West Virginia Farm Bureau News 7