It is IMO (and my Insurance company's atty) do not allow anyone to use your golf cart, that would also include friends and neighbors who hv guest in town. The Florida courts have determined that golf carts are a "Dangerous Instrumtality" and if the owner has given permission for others to use it, the the owner is responsible. It's not worth it to save somebody $10
Dangerous Instrumentality As Applied To Incidents Involving Golf Carts In Florida — callahan & fusco, LLC.