Joshstep1, the buggy is not street legal here in NY.
There are very very few states that these buggies can be street legal.
"An ATV must be registered with the Department of Motor Vehicles (DMV) if it is operated anywhere in New York State, including on the owner's property"
http://www.nydmv.state.ny.us/broch/c29.htm
The reason for registering and insuring the buggy is to be able to ride
in State Parks & public areas that allow any atv riding.
Some clubs / Private ATV Trail riding locations also requires the rider to have insurance only for their ATV before riding in their property also.
That's why is very important before anyone goes out and buy a buggy
from a private owner or dealer to ask if they have a Title for it and it states
"ATV" for type of vehicle on it.
If it does you'll be able to ride at the locations discussed, and not only
on your property.
Without having a Title or a Title that does not have "ATV" listed,
it's going to be very difficult to register or insure.