Insurance a Michigan Street-Legal UTV Needs

You spent the winter wiring turn signals, mounting mirrors, and swapping on DOT tires so your side-by-side could pass inspection and wear a Michigan plate. Then you called your insurance agent, and the conversation went sideways. Is it an ORV, a car, or something in between? This guide explains exactly which coverage a plated, street-legal UTV needs in Michigan, and why.

Table of Contents

Why Insuring a Street-Legal UTV Is Different in Michigan

Most riders come into this topic thinking of their machine the way they always have: as an off-road toy that occasionally crosses a county road. Insurance for that kind of machine is fairly simple, usually a recreational vehicle policy with some liability and, if you want it, coverage for physical damage. The moment your UTV leaves the Secretary of State office with a license plate, though, the legal picture changes completely. You are no longer insuring an ORV that happens to touch a road. You are insuring a registered motor vehicle that the state expects to be covered like one.

That shift catches a lot of people off guard, because the machine itself has barely changed. It still has the same engine, the same suspension, and the same roll cage. What changed is its status, and in Michigan, status is everything when it comes to insurance.

Michigan’s No-Fault System in Plain Language

Michigan has one of the most distinctive auto insurance systems in the country. Under no-fault, your own policy pays for your own medical expenses and certain other losses after a crash, regardless of who caused it. In exchange, your right to sue other drivers for injuries is limited to more serious cases. The system was overhauled by a major reform law in 2019, with most of its changes taking effect in 2020, and those changes gave drivers more choices than they used to have.

Every registered motor vehicle in Michigan must carry three core pieces of no-fault coverage: personal injury protection, property protection insurance, and residual liability insurance. If your street-legal UTV wears a Michigan plate as a motor vehicle, the Secretary of State will expect to see proof of that coverage before it issues or renews the registration, and a police officer will expect to see it at a traffic stop.

The details of what each piece covers are explained further down. For now, the important thing to understand is that no-fault is not an optional add-on for a plated UTV. It is the price of admission to public roads.

How Your Machine’s Legal Status Changes the Answer

In Michigan, most side-by-sides that become street legal do so through the assembled vehicle process, which involves an application, inspection of equipment such as lights, mirrors, a horn, a windshield of the right material, and tires rated for road use, and the issuance of a title and plate. If you have not been through that yet, our guides to the Michigan Assembled Vehicle Title Application and the Michigan Street-Legal UTV Inspection at the Secretary of State walk through each step.

Once that process is done, your UTV is legally a motor vehicle in the eyes of the state, and the insurance system treats it that way. This is completely different from riding an untitled or ORV-titled machine on a county road shoulder under a local ordinance. That second scenario keeps your machine an ORV, with ORV rules about speed, age, and equipment, and it does not by itself make your machine a motor vehicle for no-fault purposes.

Many riders blur those two situations together, and that blurring is where the expensive mistakes happen. A rider with an ORV sticker and a recreational policy might assume they are fine to cruise into town on a paved road. A rider with a plated UTV might assume their old recreational policy still works. Both assumptions can leave you badly exposed.

Machine status	How it uses roads	Insurance framework that applies
ORV titled, no plate	Trails, plus county roads only where an ordinance allows	ORV or recreational vehicle policy; no-fault generally does not apply the same way
ORV titled, riding under a county road ordinance	Road shoulder or maintained portion, at reduced speed	Recreational policy with liability; check the ORV statute and your county ordinance
Assembled vehicle, plated as a motor vehicle	Public roads like any other plated vehicle	Full Michigan no-fault: PIP, PPI, and residual liability
Out-of-state LLC plate	Varies, and often questioned	Uncertain; many insurers will not write it

The Problem With Out-of-State Plates

You have probably heard about riders who form a limited liability company in another state, register the machine there, and bring home a plate that seems to make their UTV street legal without going through Michigan’s process. This approach has been popular for years, and it creates real insurance headaches.

Insurers generally want to rate a vehicle where it is garaged and driven. If your UTV lives in Gaylord and spends every weekend on Otsego County roads but carries another state’s plate tied to a company you formed there, an insurer may decline to write the policy, may write it in a way that does not satisfy Michigan’s requirements, or may question a claim after the fact. Our article on Why Montana LLC Plates Draw Attention in Michigan goes deeper into the legal risks. From an insurance perspective, the simplest advice is this: if your machine lives and rides in Michigan, insure it as a Michigan vehicle under Michigan rules.

The Coverage Michigan Requires on a Plated UTV

Here is where we get into the details of each piece of mandatory coverage, what it actually pays for, and the decisions you will face when you buy it.

Personal Injury Protection

Personal injury protection, almost always called PIP, is the heart of Michigan no-fault. It pays for medical expenses, a portion of lost wages, replacement services such as help with household chores you can no longer do, and certain other costs after a crash involving a motor vehicle. It covers you, and it often covers family members in your household and passengers in your vehicle, depending on how the policy and the priority rules line up.

Before the 2019 reform, Michigan required unlimited lifetime medical PIP on every policy. That made Michigan one of the most expensive states to insure a vehicle. The reform introduced several tiers of PIP medical coverage. Drivers can now choose unlimited coverage, or select from lower limits. Certain people with qualifying health coverage, such as Medicare that covers auto accident injuries, can choose to opt out of PIP medical coverage entirely, and people enrolled in Medicaid have access to a lower limit.

For a UTV owner, this choice deserves real thought. A side-by-side has a roll cage and seat belts, but it has none of the crumple zones, airbags, or crash structure of a modern car. A collision with a pickup on a county road at 45 miles per hour is a very different event in a UTV than in a sedan. Medical bills after a serious crash can climb astonishingly fast, and the tier you pick on your car may not be the tier you want on a machine that offers less protection.

There is another subtle issue. In many households, PIP follows the person rather than the vehicle, with priority rules that decide which policy pays first. If you already carry PIP on your family car, your agent may explain how that interacts with a policy on the UTV. Ask the question directly: “If I am hurt in my UTV, which policy pays my medical bills, and up to what limit?” Then ask the same question for each family member who might ride along.

Property Protection Insurance

Property protection insurance, or PPI, pays for damage your vehicle does to other people’s property in Michigan. This includes buildings, fences, mailboxes, signs, and properly parked vehicles. Michigan sets a high PPI requirement, and it is a fixed, standard coverage in every no-fault policy.

What PPI does not cover is damage to other vehicles that are moving. Michigan handles that differently. Vehicle owners generally rely on their own collision coverage for damage to their own vehicle, and there is a limited ability to recover a portion of collision costs from an at-fault driver through what Michiganders call the mini-tort, discussed below.

For a UTV owner, PPI matters more than people think. Side-by-sides are often driven on narrow rural roads lined with mailboxes, farm fences, and driveway culverts. A slide on loose gravel into a neighbor’s split-rail fence is exactly the type of claim PPI handles.

Residual Bodily Injury and Property Damage Liability

Residual liability insurance protects you if you are sued after a crash. Even in a no-fault state, people who are seriously injured or killed, or who suffer certain other losses, can bring a lawsuit against the at-fault driver. Your residual bodily injury liability coverage pays for your legal defense and any judgment against you, up to the policy limits.

The 2019 reform raised the default bodily injury liability limits considerably. Drivers can choose lower limits, down to a set minimum, by signing a specific form, but the default is substantially higher than what Michigan used to require. Residual liability also includes a property damage component that applies mainly when you cause damage in another state, where Michigan’s PPI system does not apply.

Here is the honest truth about liability limits on a UTV: the fact that a side-by-side is smaller and slower than a car does not make your liability exposure smaller. If you cause a crash that seriously injures a motorcyclist, a cyclist, or a pedestrian, the damages can be just as large as if you had been driving a full-size truck. For most owners, picking the minimum limits to save a modest amount on premium is a poor trade.

Many insurers also offer an umbrella policy that sits on top of your auto and home coverage. If you own a home and have savings, ask whether an umbrella can extend over your UTV policy, and what underlying limits the umbrella insurer requires.

Other Required Pieces You May See on the Bill

Two smaller items commonly show up on a Michigan policy. The first is the per-vehicle assessment paid to the Michigan Catastrophic Claims Association, which reimburses insurers for very large, long-term PIP medical claims. The amount of that assessment changes over time and depends partly on which PIP tier you choose. The second is the limited property damage liability, which ties into the mini-tort and is often included in your policy.

The table below gives a quick overview of each piece. The exact limits and choices change over time, so treat this as a checklist of questions for your agent rather than a quote.

Coverage	Required on a plated UTV	What it pays for	Key choice you make
Personal injury protection	Yes	Your medical bills, lost wages and related costs after a crash	Which PIP medical tier, or opting out if you qualify
Property protection insurance	Yes	Damage your vehicle does to property in Michigan	Fixed coverage, little to choose
Residual bodily injury liability	Yes	Your defense and judgments if you are sued for injuries	Default limits or lower limits by signed form
Residual property damage liability	Yes	Damage you cause in other states	Usually set alongside bodily injury limits
Catastrophic claims assessment	Yes, as a fee	Funds very large PIP claims	Amount depends on PIP choice and the current rate
Limited property damage liability	Commonly included	Mini-tort recovery against you	Usually standard

Optional Coverage Worth Considering

The mandatory coverage protects other people and pays for your injuries. It does very little to protect the machine itself. For many riders, that machine plus the street-legal parts on it represent a serious investment, and the optional coverages are where you protect it.

Collision Coverage and Michigan’s Three Versions

Collision coverage pays to repair or replace your own vehicle after a crash. Michigan is unusual in offering several types of collision coverage, and the differences matter a lot to UTV owners.

Limited collision generally pays only when you are not substantially at fault, and it does not pay at all when you are mostly at fault. It is the cheapest option and often a poor fit for UTV owners, because many UTV crashes are single-vehicle events, such as a slide on gravel or a rollover, where you are clearly the one at fault.

Standard collision pays for damage to your vehicle regardless of fault, minus your deductible. It is a common choice for riders who want straightforward protection.

Broad form collision typically pays regardless of fault, like standard collision, but it waives your deductible when you are not substantially at fault. It costs more, but if you ride often on roads shared with distracted drivers, the deductible waiver can be valuable.

Not every insurer offers every version on every type of vehicle. When you shop, ask exactly which collision options are available for a plated UTV and how fault is determined for each one.

The Michigan Mini-Tort

If another driver damages your UTV and is mostly at fault, Michigan allows you to recover a limited amount from that driver for your out-of-pocket vehicle damage, such as your collision deductible. This is called the mini-tort. The reform raised the maximum recovery, but it still only covers a portion of a typical repair bill. If you do not carry collision coverage, the mini-tort is often the only way you will recover anything after another driver hits your machine, and it may not be close to enough.

That fact alone convinces many plated UTV owners to carry collision. Imagine a driver backing out of a gas station in Grayling who crumples your front end and rear bumper. Without collision coverage, you would be left chasing a modest mini-tort recovery while facing a much larger repair bill.

Comprehensive Coverage

Comprehensive coverage pays for losses that are not collisions: theft, fire, vandalism, falling trees, flood, and hitting a deer. In northern Michigan, deer strikes are an everyday risk, and a deer through the windshield of a side-by-side can do serious damage to both the machine and its occupants.

Theft is another real concern. UTVs are attractive targets, they are relatively easy to load on a trailer, and their parts sell quickly. If you keep your machine at a cabin in the Upper Peninsula or in a pole barn that sits empty most of the week, comprehensive coverage is worth a close look.

Comprehensive also matters during storage. Many owners reduce coverage over the winter. A plated vehicle can generally be stored with comprehensive-only coverage when it is not being driven, but driving it on a road without the mandatory no-fault coverage is illegal. If you plan a storage arrangement like this, ask your agent to set it up properly and give you a clear reminder of the date your full coverage resumes.

Coverage for Aftermarket Parts and Street-Legal Upgrades

This is the gap that surprises riders most. A standard policy usually values your vehicle based on its stock configuration. The glass windshield, the turn signal kit, the mirrors, the horn, the light bar, the upgraded roof, the doors, the winch, and the custom wheels you added may be covered only partially, or not at all, unless you declare them.

Riders who build up their machines with parts from companies like SuperATV can easily put a substantial sum into accessories, and street-legal requirements make some of those upgrades mandatory. Ask your insurer about an accessories or custom equipment endorsement, keep your receipts in a safe place, and photograph the machine from every side after each major upgrade. If your street-legal kit, doors, and roof came from SuperATV or another aftermarket brand, list each item with its price so the adjuster has a clear record after a loss. For a rough sense of what that equipment costs, see Street-Legal UTV Kit Prices.

Uninsured and Underinsured Motorist Coverage

Uninsured and underinsured motorist coverage protects you when another driver causes a crash and either has no insurance or does not have enough to cover your losses. In Michigan, these coverages mainly fill the gap in situations where you would be entitled to sue the at-fault driver for serious injuries. They are optional, but given how vulnerable UTV occupants are, many riders consider them important.

Gap, Loan Payoff, and Roadside Coverage

If you financed your UTV, the lender may require collision and comprehensive coverage. If the machine is totaled early in the loan, its value may be less than what you still owe. Gap or loan payoff coverage covers that difference, and it can be bought from insurers or sometimes from the dealer.

Roadside assistance coverage is inexpensive and can save your weekend. Many standard auto roadside programs do not handle UTVs well, so read the fine print or choose a program that explicitly covers side-by-sides.

How Insurers Look at a Street-Legal UTV

Finding a company willing to write a plated UTV can be the most frustrating part of the whole process. The reason is that a street-legal side-by-side does not fit neatly into any of the categories insurers built their systems around.

Why Some Companies Say No

Many large insurers have rating systems built for cars, pickups, motorcycles, and recreational vehicles. A plated UTV is a little bit of each and exactly none of them. Some insurers simply will not write a UTV as a road vehicle. Others will write it but only through certain programs. Some will try to write it under a recreational vehicle policy, which may not satisfy Michigan’s no-fault requirements.

Riders often ask whether a motorcycle policy can work. Our guide to Does Motorcycle Insurance Cover a Street-Legal UTV? covers that question in detail. The short answer is that it depends heavily on the insurer, and you need confirmation in writing that the policy satisfies Michigan’s requirements for that specific vehicle.

Getting a Policy That Actually Fits

Here is a practical process for shopping:

Gather your assembled vehicle title, registration, inspection paperwork, VIN, and a list of all street-legal equipment.
Call your current auto insurer first, since bundling discounts and an existing relationship can help.
If they decline, ask an independent agent who works with several companies, especially one familiar with powersports.
Explain clearly that the machine is titled and plated as an assembled vehicle, not as an ORV.
Ask the agent to confirm in writing that the policy includes Michigan PIP, PPI, and residual liability for this vehicle.
Review the declarations page for the correct VIN, vehicle description, and coverages before you drive.
Keep proof of insurance in the machine, in a waterproof pouch.

What Drives the Price

Premiums vary widely depending on where you live, your driving record, your age, the PIP tier you choose, your liability limits, your deductibles, and whether you carry collision and comprehensive. ZIP code matters a great deal in Michigan, and rates in the Detroit metro area tend to be much higher than in rural northern counties. For a broader discussion of cost, see Insurance Cost for a Street-Legal UTV in Michigan.

Because pricing changes frequently and differs by company, the best approach is to collect several quotes with identical coverage choices, so you are comparing like with like.

Discounts and Ways to Lower the Premium

Because the mandatory pieces of Michigan no-fault are not cheap, it pays to look for legitimate ways to bring the total down without stripping out protection you will regret losing. The most common is bundling. An insurer that already carries your car, truck, and home will often give a meaningful multi-policy discount for adding the UTV, and it will usually be more willing to write an unusual vehicle for an existing customer than for a stranger.

Deductibles are the next lever. Raising your collision and comprehensive deductibles lowers the premium, but only do this if you could comfortably pay that deductible tomorrow. A deductible you cannot afford is just a coverage gap with a nicer name.

Other common discounts include a completed safety course, a clean driving record, anti-theft devices such as a GPS tracker or a hidden kill switch, paying the full term up front, and paperless billing. Some insurers also rate a vehicle more favorably when it is garaged in a locked building rather than parked outside. Ask about every one of these, because agents do not always volunteer them, and the savings add up over the life of a policy.

What you should not do is quietly misstate the facts to get a lower rate. Calling a plated UTV something it is not, listing a garaging address where the machine never sleeps, or leaving a regular driver off the policy can give an insurer grounds to deny a claim when you need it most.

Why Homeowners and Farm Policies Fall Short

Some riders assume their homeowners or farm policy covers a UTV. These policies sometimes provide limited coverage for machines used on the insured property, but once a machine is plated and driven on public roads, a homeowners policy almost never satisfies Michigan’s requirements. If you want a fuller picture, our guide Does Homeowners Insurance Cover an ATV in Michigan? explains where those policies stop.

Real-World Scenarios on Michigan Roads

Insurance only becomes real when something goes wrong. These scenarios show how coverage choices can play out.

Scenario One: A Deer at Dusk in Crawford County

You are driving your plated UTV home from dinner at a lake in Crawford County at dusk when a doe bolts out from the cedars. You brake hard but clip it, cracking the windshield and crushing a fender. Nobody is hurt.

In this situation, comprehensive coverage is what pays for the repairs, minus your deductible. Without comprehensive, you pay the whole bill. If you had declared your glass windshield and lights as custom equipment, those items would be valued properly instead of at stock-equivalent value. If you had chosen only the mandatory coverages, you would have paid the full cost of repairs yourself.

Scenario Two: A Pickup Turns Left Across Your Path

You are riding on a county road near Marquette when a pickup turns left directly in front of you. Your UTV is badly damaged, and you suffer a broken wrist. The other driver is clearly at fault.

Your own PIP coverage pays your medical bills and a portion of your lost wages, up to your chosen PIP tier. If you carry broad form collision, your own insurer repairs your machine and waives the deductible because you were not at fault. With standard collision, the insurer repairs it minus your deductible, and you may try to recover that deductible through the mini-tort. With no collision, you are left with only the mini-tort, which likely covers a fraction of your repair costs.

If your injuries were more serious, you might also have a claim against the other driver beyond no-fault benefits, and if that driver had too little liability coverage, your underinsured motorist coverage would come into play.

Scenario Three: You Slide Into a Fence

You take a gravel curve too fast and slide off the road into a farmer’s fence, also damaging a mailbox. You are alone, uninjured, and clearly at fault.

Your PPI coverage pays for the farmer’s fence and the mailbox. Your collision coverage, if you have standard or broad form, pays for the damage to your UTV minus your deductible. If you had only limited collision, you would likely get nothing for your own machine because you were at fault. That is why many UTV owners avoid limited collision on a plated machine.

Scenario Four: A Passenger Gets Hurt

You are driving with a friend in the passenger seat when you hit a pothole hard enough to throw your friend against the cage, injuring their shoulder. Depending on Michigan’s priority rules, your friend’s own no-fault policy, or a policy in their household, may pay their PIP benefits first. If they have no such coverage, your policy’s PIP may respond. If your friend’s injuries are serious enough to meet the legal threshold, your residual bodily injury liability coverage protects you if they sue.

This is one of the strongest arguments for carrying meaningful liability limits on a UTV. Passengers in side-by-sides are often friends and family, and nobody wants a serious injury to turn into a financial disaster for the people involved.

Scenario Five: You Lend the UTV to a Neighbor

Your neighbor asks to borrow the plated UTV to run down the road to the hardware store in town. They have a valid driver’s license and drive carefully, but on the way back they rear-end a car stopped at a light. The other car’s bumper is crushed and the driver complains of neck pain.

In Michigan, insurance generally follows the vehicle for many purposes, so your policy is likely to be the first one looked at for liability and for damage to your own machine. The other driver’s own no-fault policy typically handles their medical bills under PIP, while the damage to their car may lead to a mini-tort claim against the person who was driving, and your collision coverage would handle your UTV. If the injured driver later brings a lawsuit for a serious injury, your residual liability coverage would be the first line of defense, with your neighbor’s own auto policy possibly sitting behind it.

Two lessons come out of this. First, before you lend the machine, confirm that your policy covers permissive drivers and whether it excludes anyone in particular. Second, make sure the person borrowing it understands that a plated UTV still handles very differently from a car, especially when braking hard on pavement with a full load.

Scenario Six: Theft From a Trailhead Parking Lot

You trailer your plated UTV to a trailhead near Cadillac, unload it, ride for the day, and come back to find the trailer still hitched but the side-by-side gone after you left it parked while grabbing lunch. Comprehensive coverage is the part of your policy that answers this loss. Without it, the theft is entirely your problem.

Even with comprehensive, the payout depends on how the machine is valued. A stock valuation may not reflect the doors, roof, glass windshield, and lighting you installed, which is why declared accessories coverage matters so much. File a police report right away, give the insurer your VIN, photos, and receipts, and tell the Secretary of State so the plate and title can be flagged. A GPS tracker hidden in the machine can sometimes make the difference between recovering it and never seeing it again.

Staying Legal and Avoiding Coverage Gaps

Buying the right policy is only half the job. Keeping it in force, documented, and matched to how you actually ride is the other half.

Proof of Insurance and Traffic Stops

Michigan requires you to carry proof of insurance in the vehicle and produce it on request. On a UTV, that means a weatherproof pouch or a secure electronic copy on your phone if your insurer provides one and you know you will have it. Driving an uninsured motor vehicle is a serious offense in Michigan, and it can bring fines, license consequences, and possible jail time. Even worse, an uninsured owner injured in their own vehicle can lose access to PIP benefits.

You also need a valid driver’s license to operate a plated motor vehicle on public roads. If your household includes younger riders who use the UTV on trails, make sure they understand the difference between trail riding and road driving. Our guide to Driver’s License Rules for Michigan ORV Road Riding covers who can drive where.

Matching Coverage to How You Ride

A plated UTV often still spends a lot of time on trails. Ask your insurer whether the road policy covers off-road use, and if so, under what conditions. Some auto policies exclude or limit coverage when the vehicle is used off road, in competition, or on private land in certain ways. If yours does, you may need a separate recreational vehicle policy for trail use, or a policy designed for dual-purpose machines.

The difference between road and trail rules also matters when you ride under a county ordinance rather than as a plated vehicle. If you have both a plated UTV and an unplated ORV, our article on Michigan ORV Insurance and When You Actually Need It explains how to think about the second machine, and our guide to Michigan’s 25 mph Limit on County Roads covers the speed rules that apply to ORVs on those roads.

Updating Your Policy After Changes

Insurance problems often start with changes nobody reported. Call your insurer when you:

Add a significant accessory, such as doors, a roof, a winch, or a new light setup, whether it comes from SuperATV, the machine’s own manufacturer, or a local fabricator.
Change where the machine is garaged, such as moving it to a cabin for the summer.
Add a new household driver.
Change how you use the machine, such as plowing or farm work.
Refinance or pay off the loan.
Move to a new address, since ZIP code affects rates.

Questions to Ask Before You Sign

Agents are busy, and a plated UTV is an unusual file for many of them. The fastest way to get a policy that truly fits is to arrive with specific questions and ask for the answers in writing, either on the declarations page or in an email you can save.

Is this vehicle rated as a plated motor vehicle with full Michigan no-fault, or as a recreational vehicle?
Which PIP medical tier is on this policy, and who in my household does it cover in this vehicle?
What are my residual bodily injury liability limits, and did I sign a form to lower them?
Which type of collision coverage is included: limited, standard, or broad form?
Does the policy cover the machine when it is driven on trails, private land, or seasonal two-tracks?
How are aftermarket parts valued, and is there a cap on accessories coverage?
Are permissive drivers covered, and are any household members excluded?
What happens to my coverage if I put the machine in winter storage?
Does the roadside assistance program actually tow side-by-sides?
Will my umbrella policy, if I have one, extend over this vehicle?

If an agent cannot answer one of these clearly, that is useful information on its own. A short, slightly awkward phone call now is far better than discovering a gap on the side of a gravel road with a bent tie rod and a damaged mailbox in front of you.

A Quick Pre-Ride Insurance Checklist

Before each riding season starts, run through these points:

Policy is active and shows the correct VIN and vehicle description.
PIP tier is the one you actually chose, and you understand how it interacts with your other policies.
Liability limits are at a level that protects your assets.
Collision type is one that pays when you are at fault, if that matters to you.
Comprehensive is in place if you worry about theft, deer, or storms.
Custom equipment is listed and documented with receipts and photos.
Proof of insurance is in the machine and readable.
Your plate, registration, and title records are all consistent; see Michigan Plate for an Assembled Vehicle UTV if anything looks off.

Bringing It All Together

Insuring a street-legal UTV in Michigan is not complicated once you accept one key fact: a plated side-by-side is a motor vehicle, and Michigan’s no-fault system applies in full. That means PIP, PPI, and residual liability are mandatory. From there, the smart choices are about protecting the machine and your finances with the right collision type, comprehensive coverage, accessories coverage, and liability limits that reflect real-world risk.

Take the time to find an insurer that understands what you have built, get the details in writing, and review your policy every season. That way, the hours you spent wiring lights and mounting mirrors pay off with miles of worry-free road riding across Michigan.

Disclaimer

This article is for general informational purposes only and does not constitute professional advice. Laws, prices and regulations vary by location and change over time. Consult a qualified professional for guidance on your specific situation.