I would say that most of the golf cart accidents are due to being distracted or maybe not knowing an area well. As for crossing 103...whenever there is a road where golf-carts aren't supposed to go there is always a sign. THUS the "being unobservant"! Not sure why someone would run a red light except for being.....again unobservant!! Many folks here shouldn't be driving any kind of vehicle due to many reasons. So...we all need to drive defensively!
Reminds me of the time I was in my cart on the multimodal path that runs adjacent to Colony rec center. There was an elderly (older than me by maybe several years.) who was going the same direction but was going slowly and seemed tentative. He then stopped and I was about to pass him when he decided to make a U-turn. Luckily for me I was watching and driving accordingly as I then had to go for the grass (to my left) and yell loudly STOP, otherwise he'd have t-boned me even there!!! It wasn't until I yelled that he even was aware that I was there as he didn't look. It was very lucky we were the only ones on the path at that moment.