The insurance is to protect the property owner. A place like Bundy Hill could not afford liability for everyone that came to their place. Due to the perception of how dangerous 3 wheelers are, and their past history, insurance companies will not cover 3 wheelers. If you have your own liability insurance then you are covered if you get hurt at their place.. That is the main reason for their not allowing 3 wheelers. unless you have your own liability. Also in MI I only have to buy a trail sticker and a ORV sticker to ride on public trails. I have never had any insurance on any of mine. If I get hurt my medical insurance covers my injuries.
85 Big Red
83 Big Red
84 125m
85 TRX 125
73 ATC 70