You will be hard-pressed to get insurance on a vehicle that you don't own. If it's this big a problem for you, just rent one from TV golf carts. Again, you will find that they are self insured, so you'll probably lose a lot of sleep over that.
If it's that big a worry, just drive your car. If you spend your life worrying about everything that can happen if you walk out the front door, you're probably not going to have fun here anyway.
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