Three actions that are considered 100% liability on the part of the actor are backing into someone and overtaking someone on a highway and hitting a stopped/parked car all things equal meaning there are no intervening factors.
That deals with the liability issue and I am going to assume that an investigation by the police established the cart driver backed into the car and has listed "unsafe backing"as the liability factor on a police report?
The next issue deals with damages if any and/or the amount. In this situation I would suggest the car owner secure an estimate from a reputable body shop.
Since the OP claims that the golf cart river admitted he/she backed into the OP's car he is accepting liability and willing/able to pay.
If unwilling small claims court is the only avenue open to the OP. If unable to pay then the OP could secure a legal verdict and perhaps make arrangements to have the cart driver make periodic payments.
Finally if the damages are above the deductible the OP could have the insurance company pay and then subrogate against the cat driver for damages paid from both.
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