By all means, have seatbelts put in your golf cart BEFORE the grandchild comes and insist that it is worn. Having the toddler on your lap or on a passenger's lap is an accident waiting to happen.
It is ridiculous to see what some grandparents allow. I actually saw one child around 6 or 7 standing in the golf club area in the back of a golf cart and he was strapped in by the bag holders as the grandparent was going along at around 20 mph.
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