This issue has been beaten to death on TOTV over the years. It's not the intent of any insurance company to cover insured vehicles that are rented to others. My golf cart policy simply states "There is no coverage (liability section)when any vehicle insured under this section is rented to others or used to carry persons for a charge." This applies to cars, trucks, golf carts, snowmobiles, or whatever kind of motor vehicle you happen to insure. It's fairly standard rental exclusion language.
If the use of you cart is subject to the rental of your villages rental property, the insurance carrier is going to use that exclusion to disclaim coverage.
Rather than ask who has had a claim when a renter is added to the declarations as an insured, ask who ever got a renter added to the policy as an insured. It's absurd to think that an insurance company, that doesn't want to insure renters of insured vehicles, and has written their policy accordingly, will over ride their exclusionary language by merely allowing any insured to simply add the renter names on the dec page. Dear Allstate, add Joe Blow, my renter, to my policy so he can be insured on my golf cart. That's not going to happen and if some agent plays some game by stating it's a relative or resident of your household, in order to get them on the dec page as an insured, it's going to bite you sooner or later.
I still love the agent who states the golf cart can't be in a picture in front of your house. I guess the claim department scours the old adds etc looking for pictures of golf carts in front of rental properties, aha, there it is no coverage! LOL
Knowledgable and ethical agents tell you straight there isn't coverage, the rest are playing games and hoping nothing happens. But that's why they have E&O (errors and omissions) insurance.
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