Because we use our golf cart more than we use our car, we carry full insurance on it, including personal injury. Heaven forbid someone walk out in front of me at Walmart, I back into a parked car, or someone doesn't stop coming out of a tunnel. Our policy, obtained at Villages Insurance through Foremost Insurance Co., is less than $90 a year. Our cart is NOT street legal. It's an electric 2004 club car, if that matters.
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