I am going to add my opinions to the thread, but before I do so I need to give my qualifications.
I am not a retired cop and have no real idea of the Florida laws.
I am not a lawyer but have served on juries.
I am not an insurance broker and hate insurance companies.
If I were a friend of the poor 80 year old this is what I would do.
Find out if the cart was owned by someone other than the driver and sue them too.
Find out if the cart was modified to increase the speed of the cart to turn it into a vehicle requiring a registration and insurance.
If the cart was modified ask the sheriff to charge the driver of the cart with a crime of driving an unregistered vehicle.
It may be a crime to rent a low speed vehicle to a person but I would let the civil courts decide the damages.
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