Oh, Boy, I have become an expert on this subject. I own a home in the Villages. I rent this home. What I have learned from talking to multiple insurance agents is this: if the renter hits another golf cart. The golf cart will be covered if the owner has insurance. If the renter is hurt - there is no coverage. They would have to use their own private health insurance. My renter would not use my golf cart. He bought his own. If a friend or family member uses the golf cart with your permission -- they are totally covered. What a mess ! I told my renter just to say that he was a friend of mine --but he wouldn't do it. Hope this helps
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