2023 New York Laws › VAT - Vehicle and Traffic › Title 11 - Registration of Snowmobiles, Motorboats and Limited Use Vehicles › Article 48-C - Rules for Operation of All Terrain Vehicles › 2407 - Liability Insurance.

§ 2407. Liability  insurance.  1. An ATV which is operated anywhere in
  this state other than on lands of the owner of the ATV shall be  covered
  by  a  policy  of  insurance,  in  such  language  and  form as shall be
  determined and established by the superintendent of financial  services,
  issued  by an insurance carrier authorized to do business in this state.
  Such policy shall provide for coverages required of an  "owner's  policy
  of  liability  insurance"  as  set forth in paragraph (a) of subdivision
  four of section three hundred eleven of this chapter. In  lieu  of  such
  insurance  coverage  as  hereinabove  provided, the commissioner, in his
  discretion  and  upon  application  of  a  governmental  agency   having
  registered  in  its  name one or more ATVs, may waive the requirement of
  insurance by a private insurance carrier  and  issue  a  certificate  of
  self-insurance,  when  he  is satisfied that such governmental agency is
  possessed of financial ability to respond to judgments obtained  against
  it,  arising  out  of  the ownership, use or operation of such ATVs. The
  commissioner may also waive the requirement of insurance  by  a  private
  insurance  carrier  and  issue  a  certificate  of  self-insurance  upon
  application of any person or any other corporation, having registered in
  its name, one or more ATVs and furnishing of proof that a certificate of
  self-insurance has  been  issued  and  is  in  effect  pursuant  to  the
  provisions of section three hundred sixteen of this chapter.
2.  Proof  of  insurance as required by this section shall be produced
  and displayed by the owner or operator of such ATV upon the  request  of
  any  magistrate or any person having authority to enforce the provisions
  of this chapter. The failure to produce such proof upon the  request  of
  any  such  person  shall  not  be  an  offense  but shall be presumptive
  evidence that the ATV is being operated without having such insurance in
  force and effect.
3. Proof of insurance as required by this section  shall  be  produced
  and displayed by the owner or operator of such ATV to any person who has
  suffered  or  claims to have suffered either personal injury or property
  damage as a result of  the  operation  of  such  ATV  by  the  owner  or
  operator,   if   such   insurance   coverage   was  required  under  the
  circumstances of such operation. It shall be an affirmative  defense  to
  any  prosecution for a violation of this subdivision that such proof was
  so produced or displayed within twenty-four hours of receiving notice of
  such injury or damage, or the claim of such injury or damage.
4. No owner of an ATV shall operate or permit the same to be  operated
  anywhere  in  this  state  other  than  on lands of the owner of the ATV
  without having in full force and effect the liability insurance coverage
  required by this section, and no person shall operate an ATV anywhere in
  this state other than on  lands  of  the  owner  of  the  ATV  with  the
  knowledge that such insurance is not in full force and effect.