"That's the way that the uninsured 41% seems to get by, and it usually works out ok."
FLL;
It works out O.K. for these people until someone is injured or killed either in their boat or ATV or the other vehicle which they hit and damaged.
Insurance for boats and ATV's is extremely short money. My fully covered Ranger premium was about $100.00 per year. If you can afford a boat or ATV you certainly should be able to afford the insurance to go along with it.
Dan
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