Up until recently, I have resisted the idea of installing seat belts because I didn't feel the relatively low speeds warranted them.
I have since changed my mind and will be getting them soon.
Even though the driver has the steering wheel to hold on to, my concern is predicated on a couple of times when I've had to make a quick maneuver to avoid an idiot in front of me.
Although I didn't have a passenger either time, I could see where the passenger could have easily be thrown out in both situations. While just being thrown out at 20 mph may not cause a lot of physical damage (who hasn't wiped out on their bicycle at similar speeds when young?), we don't wear helmets on golf cars and hitting ones head on pavement is where the real danger lies.
My grandchildren are very young and won't be driving one for many years, but seat belts will give me a little more comfort when they finally visit and go for a ride. I will also make sure their parent is buckled with them and sitting on the outside of the seat, for additional safety.
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