“All–terrain vehicle” means a motor vehicle that: Is designed for off–highway use; Operates on at least three low–pressure tires; Has a seat or saddle designed to be straddled by the operator; Has handlebars for steering; Is intended by the manufacturer to be operated by a single operator; and May be designed to carry one passenger; or Is designed for off–highway use; Operates on four or more low–pressure tires; Has a bench or bucket–style seating; and Has a steering wheel for steering.