Most people I'll say 90% do not realize that if riding on any public land or road on your ATV, bike or side by side and are involved in an accident weather your fault or not and do not have at least liability you will be charged with driving without insurance which will require you to file an SR22 which besides the fines imposed by the courts quadruple your auto insurance for at least 5 years and in some States you will also loose your drivers license for a period of time. All it takes is one accident where someone gets hurt and claims you are at fault. Lot of a$$ holes out there. And if a child without a drivers license the parent will be held responsible.
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