Bought lot in 1960, part of Woodman Valley, El Paso County. Every property has an easement to form the subdivision main road. The developer later deeded his 1/2 mile easement to the HOA. last year the one of the residence died that owned most of the development willed a piece of the property to the HOA. The property was a piece of road that all the residence drive on. A real estate agent said that they need to have insurance on the piece of road for any car accidents. liability insurance will be $4k a year. getting brad obrien on for call . to answer two things. do we have to have insurance and how to get rid of road