Quote:
Originally Posted by retiredguy123
In my opinion, you are safer to rent from a golf cart company instead of the house owner. At least the golf cart company will have some liability coverage, but the house owner will have none. The golf cart company is in the business, so it will be harder to make a case against a paying customer. Do a search for other threads on this topic. Apparently, some house owners will actually fool themselves into thinking that they have insurance, but they don't and neither do you.
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But the question in the OP, was from the renter point of view, not the golf cart owner point of view. That is how I answered the question. The spectacular golf cart accidents are pretty infrequent, due to the 20 mph top speed, and the segregated paths. As a renter and borrower of a golf cart,
I would have $3-5 Million in personal liability umbrella insurance, which we carry personally, and then don't drink and drive, and don't be dumb.
Then you should be fine. And keep the cart at 20 mph or below, to keep out of the LSV quagmire.
good luck to the renters, but there are hundreds of thousands of miles on villagers golf carts and owners insurance rates for liability is very, very low, which is proportional to the expected payouts.