Concur. Probably you will never need it but it's cheap and if something were to happen, it makes life so much better for you.
Check around for rates. You can get it at the Villages Insurance, State Farm, and at AAA which gets you Progressive. Some other "auto" insurance plans have it also but they sometimes don't really know how to write a policy for "Golf Carts." Best they can do sometimes is motorcycle coverage policy so ask questions before you pay.
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