I waited for a punchline that never came.
It actually exists.
Have you heard this?
Do insurance companies not make enough money off our cars, homes, lives, health, vacations, etc? They have to go after our ATVs now?
How many people even own ATVs? Was it even worth printing up all the brochures, designing the new web pages, and creating the commercials?
More to the point, it seems to me that people who own ATVs are not exactly the kind of people who are worried about getting into accidents. They are the kind of people who require warnings before shows like Jackass come on the air; they are the kind of people who ignore those warnings; they are the kind of people who go to the emergency room holding their own severed leg in their hand, among miscellaneous other odd and vicious injuries; none of these injuries would be covered by their insurance.

The biggest question though, I guess, is that, in this age of constant mega-corporate-conglomerate-ass-rape, why would anybody pay for insurance they are not legally required to have?
What's next, bicycle insurance? Just $100/month! Subway insurance? [Note: policy void if weird person is in train car with you]