Yes there is an Insurance issue with MOST, but not all trails. Some clubs have insurance for this winter, but most have been screwed by the "small print" on the new policies. They sold snowmobile clubs a policy for the trails that does not cover snowmobile related accidents! Go figure. The state trails are open, but the clubs that do not have insurance have closed the trials and stopped grooming them until a settlement has been established. ALOT of money is being lost to the state and businesses over this. Fortunately this is not effecting me to much as I have places to ride by me and then my trips to Canada, but it is tough for a lot of people.