This is where FL is just a 3rd world litigious state run by lawyers for lawyers. Suing the golf cart owner for actions of the driver is just shooting fish in a barrel for sport.
Technically, you are not renting the golf cart unless stated in the lease agreement, and paid for specifically. The golf cart is usually offered to borrow, and is not part of the rental agreement by line item cost. No specific line item cost does not create a commercial agreement, as you would in a lease agreement renting from a commercial business. .
Golf cart accident rates are pretty low probability per 100,000, which is why the rates are low, but when they do happen, they are spectacular, makes the news for a day, and then are forgotten. . . . just don't drive impaired, don't drive souped up carts, and drive as defensively as you would in a car assuming the next accident or ticket, your license will be taken away.
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