[784caroline]

Your asking an open ended question that has alot of "it Depends".

Some golf cart policy riders especially ones that are attached to your home owners policy specifically state coverage is only provided when used on a golf course or to/from a golf course.....if the accident occurs on a public road.....claim could be in jeopardy.

Is the gas powered (or electric for that matter) cart set up as a low speed vehicle that is not licensed and /or the driver does not have a drivers license ...that could cause denial of any claim.

Are you renting your golf cart to someone, or allowing someone under age to drive, that could be the basis for denial.

You do not under normal circumstances need a drivers license to operate a gas/electric powered cart (ie speed limited to 19.5mph). Although the state of Florida allows someone as young as 14 to drive a golf cart, you certainly should check with your agent and look at the fine print or exclusions.

In your specific example, you are probably referring to someone driving a low speed cart (makes no difference gas or electric) and if the driver does not have a Drivers license but gets in an accident, you could be negligent for allowing someone to drive a cart that is required to have license plates and the driver a license... Insurance requirements (and rates) are vastly different for low-speed carts (vs golf carts) and if the cart was not described properly, most likely claim would be denied.