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Originally Posted by thetruth
I would check with you insurance agent rather than villagers.
Simple fact, while people mean well they do not know your insurance coverage or what may or may not be so with their coverage may not apply to you.
As others have stated you do not by law need to have insurance on a golf cart that suits the under 20 mph speed limit. Here goes all the arguments that everyone else etc. The fact is unless insured and licensed for use on the road, your insurance will not cover you.
My advice from my mother who used to work for an insurance agent is to have a million dollar umbrella policy. Should you be sued the insurance company on the hook for a million will defend the case. I've never been sued but you can bet if the party suing you hires a typical ambulance chaser just to get your attention the suit will be at least a million and may well take years. At 2-300 an hour you can well win the case but end up in poverty.
I have golf cart insurance. Cause and effect? Since, it is not required, it is very reasonable as part of your home owners insurance.
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I have checked with my insurance agent (back home, in NY) and she said they have no product, and can find no product that would insure me as a renter of a cart.