I could be wrong (it's happened once or twice), but I think the general rule is:
1. If carts and cars are sharing the road with no separate cart path, everyone goes 20 mph.
2. If there is a cart path lane, cars go 30 mph except where cars and carts merge (see rule 1).
3. If carts are not allowed because there is a multimodal path available, cars go 35 mph.
That said, if you're in a small cart competing against a large car, YIELD! You may or may not be right but you will not win. I have been forced off the multimodal path by cars, passed on neighborhood roads and cutoff by cars making a right turn in front of me. Even if we keep up with the rules, visitors and snowbirds may not.
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Netherlands, California, Quebec, California, Texas, Turkey, Minnesota, Panama Canal, California, Illinois, Turkey, Maryland, Germany, Florida, New Mexico, The Village of Amelia and now The Village of Hacienda East. 
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