Off road vehicles are written on the motorcycle form because they do not come under the Florida no fault law. Golf carts are considered off road vehicles. Counties have approved golf carts operating on certain roads and at night. Most companies that write golf cart insurance require a drivers license to purchase their policies. (Company Underwriting) Florida however does not require you have a drivers license to operate a golf cart in Florida.
Marion County passed and approved crossing 441 at the Spruce Creek entrance on a golf cart)
Golf carts can be electric or gas powered. Golf carts by Florida law have max speed of less than 20 mph.
Low speed vehicles which by Florida law have maximum speed of 25mph. Low speed vehicles are considered an auto under Florida law and are required to have no fault insurance as well as minimum required coverage. A drivers license is required.
It is always best to speak to a licensed insurance agent to find out what kind of coverage you need and what the company underwriting requirements are.
Last edited by GatorFan; 01-19-2017 at 07:21 PM.
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