It's a 2 stroke. Fully automatic. Seems well built, maybe a Polaris clone? Has electric and kick start. I think it had headlights at one time.

 

Looks rather like an Apache to me. Though their plastics were made of strange stuff, less flexible than what other makers used, more like GRP. Your Polaris instincts are right, they did import a Chinese two stroke and badge it Polaris 90, this used the same Chinese scooter engine as the Apache and a host of other makers. The cylinders were horizontal and the belt cover had a distinctive shape with a kick start spline sticking out, your photo isn't clear enough to pick this up. I think they were available in both 50cc and 90cc.

 

did you figure out what brand four wheeler this is ?