True if on private land you dont need anything., but the insurance they are talking about is liability insurance, just if your brakes go out and you run into another atv and break their $hit . you would be covered up to the insured amount . I do not have any insurance but I do have it registered, as I take mine on trails and state forrest . They are only trying to keep you outta trouble.
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Theres always the thought that almost every 4 wheeler out there has a full front end brush guard and a rear one that covers to the exhaust which is under neath all the plastic and doesnt pop out der der derr!!!!
