I do realize that this was directed towards renters, but your parents, your siblings, and your children are not covered on your cart. Each person that uses our cart has their own umbrella policy and Our golf cart is included on it. That way I can allow my parents, my siblings, and my children, but not my grandchildren to use our golf cart.

How many people posting on here are Licensed Insurance Agents in the State of Florida? How many have a legal contract with individual insurance companies that are licensed to do business in Florida that offers golf cart insurance? Talk to local licensed agents to find out what the companies they represent and have a legal contract with what they offer. Remember that every company is individually contracted with the State and they are all not the same.

You are half right. You are the primary insured and your insurance pays first. The person you give permission is also liable as the operator of your owned golf cart and their insurance is excess over your insurance.

Best advice - stop listening to these people sighting nothing more than hearsay. They have other motives than to protect you. Call your insurance company or attorney. What are you going to do ? Tell the judge "but a sage from TOTV said we could ---"

Not if the carts are owned by all who drive them

You have to prove ownership at the time of loss and actually live in household! How many people actually own the cart? I strongly suggest you advise your insurance agent and make sure you are insured correctly.

Thinking my attorney knows whathe is doing. Yep we buy golf carts. Together.

You, your parents, siblings, and children own your golf cart ?

As a 30 year insurance agent for Allstars I have never read a policy that would protect the owner of the cart under a rental situation. All policies , HOME AND GOLF CART POLICIES will explicitly declare under exclusions of the policy any commercial or for hire. Let me say the owner of the cart will always be the first party sued so when you let someone else use your cart visiting or loan it out everything you own but a disability check is riding in that cart. Rent your house with a cart is a commercial exposure and spicifically excluded from coverage as far as liability is concerned and your assets. Just like an auto policy, covers you for anyone you give permission to drive, but provides no coverage for the person driving . It has to be classified business rental to have coverage. You are better off renting without a cart and letting the renter rent from a rental company. I have seen claims denied and would never provide a cart. Kill someone by that driver causing an accident and owner of cart is liable first, driver second. Hope this helps. I would have to see cart for hire in a policy to accept coverage

People are like water, they seek their own level. Nothing will ever change that.

The more the merrier for the plaintiff attorneys if one of the owners injures someone. Under Florida's archaic Dangerous Instrumentality doctrine each owner is liable for it's use. So you've created a bunch of liable people who probably never even use the cart. Not a great idea.

That idea and five bucks wont get you a Mocha at StarSchmucks...

But, IF the issue was so prevalent helmets and seat-belts would be required. However, I am finding that people who are retired and in TV have nothing to do all day but worry about, judge, theorize and pontificate to and about others...

Even as a newbie here, I can see the wisdom and truth in what you've said. :ho:

So if the Villages Insurance does not have a market you might branch out and check with other companies they do not represent.

[QUOTE=Kelsie52;1219672]I dont think people are "mad" I have a rental property --I do not offer a cart --as stated earlier I reduce my price enough for a guest to rent a cart ---I have no problem renting my villa.

The reason I post this is to let renters know that when they rent a home with a cart they are NOT covered by any insurance--I would like to know if I were renting. Now on the flip side do landlords tell the renter that they are not covered ? some add a rider that states the renter is solely responsible for anything that happens. Well, get to court and see if that stands up .Its about information not anger. I just have a problem giving a cart to someone I dont know... with my investment at stake.[/QUOTE

What companies did you check with regarding covering your cart?