Operator of an A.T.V. was traumatically injured and killed when the vehicle suddenly sped out of control, struck a rock, and overturned. The accident occurred after the owner of the A.T.V. modified the factory throttle and then allowed the victim to operate the vehicle without any training or warning that the vehicle throttle had been modified. The defendant’s insurance company denied the case, claiming that the victim was an experienced rider and was aware of the risks. A confidential settlement was later reached at mediation, prior to trial.