Quote:
Originally Posted by OrangeBlossomBaby
Don't need helmets and bubble wrap, but seat-belts should be standard issue with all golf carts, new and used, sold by licensed dealers. If the dealer didn't get the used cart with seatbelts, they should be required to install them before re-selling the cart.
This way - insurance companies can say "well he wasn't wearing his seat belt, which was available for him to use. So we won't be covering his injuries, or any damage to his cart or anyone else's property that occurred immediately following his ejection from his seat."
Make the driver who chose not to use seatbelts be 100% responsible for all damages. And if a minor child falls out and gets killed, charge the driver with negligence of a minor, and vehicular homicide.
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Was in the insurance biz. Creating a huge can of worms. We are talking about golf carts which were designed to be driven on golf courses and easy access. Even if you are wearing seat belt in a car, insurance company can not deny coverage. Your claim can and possibly be reduced if you were not using the seat belt.
Modifications made after cart is delivered to the dealer are the modifications which cause the problems