ATV's and Traffic Laws

My family has Insurance on those ATV’s, just like they do with the Jetski and they added me to both the policies. I don’t ride the ATV on the mainroads because as the Deputy Sheriff says, its not legal, plus I don’t want to risk having an ATV/vehicle collision. I’ve ridden ATV’s for years and so I’m not an inexperianced ATV rider. Our neighbors are cool with us using the 1/4 of road to access the open area, I think the only time our neighbors would have a problem with us is if we rode through their backyards or at all hours of the night. The ATV’s have headlights and taillights on them but I don’t like riding them much at night. Too many bugs out and some of these back roads can be dangerous and you need as much light as possible to see every single off road hazard there is.