On-Road Coverage: If your Quad, ATV, or Golf Cart is street-legal and will be driven on public roads, a separate policy is required. This coverage also applies when your vehicle is being transported, provided that the hauling vehicle is insured with BajaShield.com. Please keep in mind that this coverage exclusively applies when on conventional roads, with no off-roading allowed. Golf carts are covered on the golf course through an endorsement.