Talk of The Villages Florida - Allowing friend to use my 2020 Yamaha

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- - Allowing friend to use my 2020 Yamaha (https://www.talkofthevillages.com/forums/all-about-golf-carts-things-156/allowing-friend-use-my-2020-yamaha-327628/)

Your smart I believe the same better be safe than sorry

I needed to borrow a friend's cart for a couple days. He called his insurance co and tried to get me added to his policy. They said dont worry about it. Since I'm not living at his house and dont regularly drive the cart, there is no need to add me to his policy. The insurance covers this situation, like it would with an auto.
This is my experience but as a few mentioned, you'll have to ask your ins company to be sure.

Quote:

Originally Posted by trekker954 (Post 2043577)

I have a friend flying in for a week. She use to live here for years and familiar with the roads and golf cart and has many friends here. She will be taking care of my pet (not paid) while I go to South Florida for a couple of weeks to visit family. I believe her to be a very responsible person.

I know its snowbird season and have seen mention of many golf cart accidents. I do plan to get a roadside assitance policy this month (now that my cart is a year old) and my cart is insured under my USAA homeowners (but do not believe covered for others driving it). Would love to hear what others might suggest how to protect myself should the unthinkable happen.

Get golf cart coverage asa. Accidents happen, theft happens. Full coverage with limits same as my car. Coverage with Progressive is slightly more than $100.00 per year. You can do it on line in five minutes. Text says motorcycle coverage in places but prints as golf cart so don't be confused.

CALL USAA and ask the question.

1. Your insurance agent is the most knowledgeable.
2. If you're so concerned, rent them a cart and look for low cost temporary golf cart insurance.
3. Perhaps your friens has auto insurance that covers them!!!!!!!!!!!! Or can quickly obtain it temporarily.
3. If they are truly your friend and taking care of your pet, perhaps you should take a chance.
4. Anyway, in today's litigious society you will never be able to avoid liability unless you sell them your cart and have "0" ownership interest!

insurance is required

Quote:

Originally Posted by Garywt (Post 2043707)

If it is a friend staying in our house I would not give it a second thought. We have friends down and they use our second cart all the time. We have friends that have let us use their second cart if needed. Since insurance is not required I would guess there are many without it.

Who told you insurance is not required, I believe it is. What are you going to do when you hit someone and injure them and they go to the hospital, pay for it out of pocket?

Is your golf car insured under your homeowners policy? If so, you probably have very limited coverage. A separate policy, about $200/year is probably appropriate. Then you’ll likely be covered but I’d still check with your agent.

Quote:

Originally Posted by golfnut (Post 2044053)

Who told you insurance is not required, I believe it is. What are you going to do when you hit someone and injure them and they go to the hospital, pay for it out of pocket?

If the cart is not street licensed, it is NOT REQUIRED by law to drive it just like a bicycle. How many people carry insurance on a bicycle. Same situation if you run into them and cause bodily injuries you're subject to a law suit. Buttt, this would be a kind of dumb thing to do since most policies are right around $100.

:ohdear::ohdear::ohdear:

It looks like Florida has a peer to peer car sharing law.

The practice has been rising rapidly in popularity in the past few years, fueled by private vehicles on internet platforms such as Turo, GetAround, and Avail, which link individuals who have a vehicle to spare with visitors who would like a vehicle for a day or a few days.

Car sharing bill headed to Governor's desk

I don’t know the details or if it passed (it seems like it did).
This might be an option.
Might also be a side gig for many villagers.