Look at both uninsured and under insured coverage. If you get hit in your cart by someone with 100,000 of liability insurance and your bills total 200,000 you will need under insured coverage for the extra 100,000. The answer depends on how much you need insurance vs what you can afford to pay out of pocket if someone hits you and they can not pay all your bills.
I consider the Villages a high risk area for carts. Lots of traffic and more importantly lots of visitors that could be distracted.
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