Solo riders getting stuck and him having to rescue them was a problem before, thus the reasoning behind the solo rule.
I would guess the insurance rule is is also to keep the unsafe, drunk guy in a barn built out of exhuast pipe tube buggy out. Probably if you showe dup in a respectable looking 4x4 rig you could slide through.
Ive been on several rdes where tags and insurance was mandontory but I was never asked for proof.
As far as insurance coving stuff, if I run into your vehicle out in the woods with my trail rig, your vehicle is covered as long as there is an accident report. This is base don what State Farm told me. My agent knows exactly what I use my BroncoII for and said any mishaps out in the woods will be covered.
there is some more ifno on thier facebook page
http://www.facebook.com/home.php?#!/...4.738133441..1