I needed to borrow a friend's cart for a couple days. He called his insurance co and tried to get me added to his policy. They said dont worry about it. Since I'm not living at his house and dont regularly drive the cart, there is no need to add me to his policy. The insurance covers this situation, like it would with an auto.
This is my experience but as a few mentioned, you'll have to ask your ins company to be sure.
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