Here in arkansas public land with atv trails is rare. I can only name one spot and it's 3 hours away from me. I have 90 acres and dang sure aint loading up to drive 6 hours just to ride. As for riding on the road it's illegal. The cops do overlook it for the most part out here in the country unless your being an ass and somebody complains. If you get in a wreck you are to blame automatically since your not supposed to be on the road, insurance has no effect. With or without insurance the fines are the same and the insurance isn't gonna cover illegal activities. They will look for every and any loophole they can to not pay. About the only people that have insurance are the people making payments. As soon as they pay it off most everybody drops the insurance. Every place is different so go with what agrees with the area you are in. If you can legally ride on the road or ride on public lands yeah you need insurance.
Again I'm glad I don't have to worry about that mess.
Last edited by neo71665; 06-14-2019 at 08:21 AM.
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