you don't need it at attica, it is just for their liability to say you do. i carry storage insurance only on mine, that way if anything happens to it at the house, it's covered (luckily, since someone stole my shocks off it a couple of months ago), or if a tree or something would fall on it, and crush it, it would be covered. this topic pops up on pirate all the time. basically offroad, its on your dime.
greg
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zuk buggy.....it'll be a jeep eventually.
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