Quote:
Originally Posted by asianthree
I do realize that this was directed towards renters, but your parents, your siblings, and your children are not covered on your cart. Each person that uses our cart has their own umbrella policy and Our golf cart is included on it. That way I can allow my parents, my siblings, and my children, but not my grandchildren to use our golf cart.
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You are half right. You are the primary insured and your insurance pays first. The person you give permission is also liable as the operator of your owned golf cart and their insurance is excess over your insurance.