Thinking people buy a separate golf cart policy that covers liability, property damage, medical payments, somewhat similar to an auto policy. It's quite affordable (ours is $140/year) thru independent agency The Villages Ins. It's worth every penny and Allstate, State Farm and AAA offer these policies too.
What NON-thinking people refuse to look at is that these policies are not available on golf carts provided in a rental home here. Nor are rental home carts covered on the homeowner policy the landlord has on the property!
People who think they're getting a better deal on a rental home because it includes a golf cart are asleep at the wheel, with life-altering exposure in case of an accident having personal injury or death.
And then there are the visiting grandchildren and their parents, not only driving but speeding in the cart their parents' or grandparents' rental home landlord has included....total insanity!
THINK!
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