[Harleyman]

A waiver will not work, as many experts have posted on here and you cannot transfer your own insurance to someone elses anything, whether it be a car, motorcycle or golf car. Their insurance is always primary and if they don't have any, then there is no coverage and the owner would be on the hook for any damage. The bottom line appears to be that unless a new carrier decides to insure rental cars, which I doubt will happen, there is no coverage available to be had. As a personal note, with my 40 yrs in the insurance business, I can't think of many things risk wise that would be any worse than renting a golf car to someone in the villages. You could lose everything you have worked all of your life for, because you decided to rent your car to someone you have never met and might have never driven one in their life, and now they are on the loose in the Villages. Think about it.