An insurer insists that an ATV, just because it has to have a "recreational vehicle" registration, is considered an auto under the new CGL definition. In the subject state, ATVs are not subject to compulsory insurance and cannot be operated on a public way other than crossing from one side to the other. However, they are required to be registered as an RV through the Inland Fish & Wildlife Department. So, what is an ATV, an auto or mobile equipment and where should they be insured and covered, the BAP or CGL?
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