I do. It covers liability in case I run into someone or something. A VERY real possiblity
It is also insured for theft and fire at full replacement value. The cost for a year is $54.00. The theft part was my big concern, but because we do drive on the street alot I also wanted to be sure I was covered. It also covers anyone who drives it as long as they are licensed. It doesn't cover unlicensed drivers such as the Grandies, but they are only allowed to drive it at the dunes and only if I or Tom are with them.
Boo