[ColdNoMore]

Originally Posted by rustyp

I think I can help. It's like living on a lake. Now that I'm here let's not let anyone else in. Next step after that is I got here first so I have more entitlement than you. Let me tell you how this ends. The guys who write these policies work is some ivory tower like in Chicago. They know squat about golf carts but do know the algorithm predicts a profit based upon historical data. Now some of the Villagers get into the act by sighting number of accidents, no seat belts, renters, kids etc. News media hears we have something unique. Let's broadcast their story in a snippet - no data. Guess what happens everyone rates go up or you won't be able to find a company to insure you. Next big brother steps in to help and the majority of the world that don't drive golf carts around their hometown want to know what is going on there. New traffic laws - no golf carts on public roads.

You make a good point.