[GatorFan]

Call an Allstate office for the facts.

[eweissenbach]

We have rented from the same individual for the past three years. When we first agreed to rent we were told the golf cart would be included. After the owner researched his coverage, he said he could not include the cart and he graciously reduced the rent $400 per month to allow us to rent a cart outside.

[gjbl8114]

Here's a true account of a recent event with regard to this subject. A very close friend included golf cart as part of rental. Yes, there was golf cart insurance... The renter had a major accident with the golf cart that required thousands of dollars to repair. Additionally, the renter was injured. Now, here's the really hard part of this story. The insurance company stated that any accident or injury resulting from a golf cart included in a rental is soley the responsibility of the the owner, not the renter and not the insurance company. Making a long story short, the owners of the golf cart were required to engage a lawyer and incur unbelievable other expenses associated with the accident as the cart had to be towed. The towning company required an affadavit for the cart to be released to someone other than the owners as they were not in residence, and their homecaretaker would not be able to recover the cart without this legal document. The story goes on....... The long and short of it is this. It was made perfectly clear to the owners of the home and cart that under no circumstance should they include the golf cart as part of the rental, indicating that it would be wiser to reduce the rental with notice to the renter that they would need to rent their own cart due to liability issues. I would recommend everyone who rents properties to make certain that you understand the legality and liability associated with the use of your personal cart or renting a cart on behalf of a renter.

Now I'm sure there will be those who will write their on theory about this post, but, play it safe and don't take advice as important as this from anyone other than an attorney in the State of Florida or something in writing that protects you directly from your respective insurance company.

[gustavo]

Originally Posted by bimmertl

The policy language strips coverage from an insured vehicle when it is rented to others. The agent is trying to circumvent the rental exclusion by more less "pretending" the use of the cart isn't contingent on signing a rental contract for the house. So don't mention the golf cart anywhere and hope if something happens the folks in the Allstate claim department don't get to involved into investigating the circumstances surrounding the use of the golf cart.

If you don't have something in writing from this agent that states under the conditions of your rental agreement for the property, the renters use of the golf cart is covered, you are bound by the policy language which states there isn't coverage if the cart is rented to others. Arguably, if the use of the cart is conditioned upon you renting the property, the golf cart is part of the rental agreement.

Typical agent trying to use smoke and mirrors to extend coverage beyond the terms of the policy to satisfy his insureds

What he said, as soon as the company balks at a claim, the agent will be nowhere to be found, or spouting about nothing verbal is binding.