Check with your insurer. We are covered by USAA and I had the same question. USAA's coverage extends to rented or borrowed vehicles, and they have a list of the types of vehicles coverage is extended to...among other types (RVs, small moving vans, etc), "golf carts" and other low speed vehicles. As long as you are borrowing or renting within the USA, you would be covered according to their phone representative. I'm sure every company is different, so definitely call yours...
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