If you are at fault for an accident regardless of wether you are driving a car or golf cart, your liability remains the same. That said given the fact that you are travelling at slower speeds and not the same distances as in a car, your exposure or time of exposure should be lower.....meaning if personal injury should occur from a golf cart accident, it should be at a lesser extent. However we all know and have see or read of bad things (some serious) happening while driving a golf cart.
Bottom line you should carry enough of liability insurance to protect your assests. IF something serious happens, believe me a lawyer will review or obtain your total net worth and then start from there. PIP is not required for a golf cart is not insured like an auto BUT considering alot of people donot carry liability for there golf cart, you may also want to consider Uninsured/underinsured liability...that choice is yours for your own protection and can be at lower limits than straight liability.
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