[Harleyman]

I am a retired insurance broker from Canada. Assuming that the basic rules of insurance are the same here as they are there my take is as follows. A golf car is a motor vehicle, therefore the rules that apply to your car also apply to your golf car. Anyone who is driving it with your permission would be covered to drive it. However, if you rent the cart it is a what is called a material change in risk and I can assure you that if something happens the insurance company would deny the claim. I have talked to several people who tell me that they are covered because they did not tell the insurance company and therefore would just plead ignorance if something happened. Huge mistake. Also, waivers will only work if everything possible goes in your favor. I can assure you that even with a waiver and something goes wrong, as in a claim, the owner will be added to the suit and perhaps down the road you might be dropped off. In the meantime you will have to defend yourself in the claim, with a lawyer, at tremendous cost. I would never ever trust the validity of a waiver.

The bottom line, in opinion, with 40 years in the business, do not rent your golf car without guaranteed coverage and a personal umbrella. The limits given in Fla are so low that you need the extra coverage in the result of a lawsuit.

Before we bought our place we rented from three well known cart rentors and none of them had insurance.

All of us in this beautiful place have worked hard all of our lives to get here, don't rent your golf car without coverage or with a waiver and possibly lose everything you have because of it. It can happen.