Dave, my farm liability policy has a "exclusion" (other than bad dog breeds) and that is it will NOT cover ATV accidents on the property. They sure know how to cover their asses!! But... I have a new six man side by side that ONLY I drive. But...If I did something by accident it wouldn't be covered!

Dear Alcohol, We had a deal where you would make me funnier, smarter, and a better dancer... I saw the video... We need to talk.