[jimjamuser]

Originally Posted by Laker14

When I first came to TV to rent for the winter season I felt fortunate to find a rental with golf cart included. However, after reading the contract and discussing with my insurance company, I learned that I would not be covered for any liability claim, should one arise. And, I could find no avenue for getting insurance for a rental cart. The companies renting wouldn't cover it, and my insurance company wouldn't cover a cart I didn't own.

I wound up buying my own golf cart even before DW and I had decided on buying a home here. While I was figuring all of this out, I was driving the rental cart, coming through a tunnel, and as I exited the tunnel, bordered by shrubbery, out of the shrubbery came a runner. Fortunately I had come to a complete stop, and he had time to avoid running into my cart (which was not moving).
As I reflected upon the near-collision later, I decided that even careful drivers (I've been driving cars for 54 years, no accidents, and not one moving violation in that time) can be involved in an accident, either by making a mistake (we all make mistakes) or someone else making a mistake.

Once there is an accident, it can easily become a "he said, she said" scenario. I worked a long time to accumulate enough assets to live a nice retirement. For a hundred, or two-hundred dollars a year, I'll take the "sucker's bet", and create one more layer of protection between an accident and my assets.

Good advice!