lsv ?

Just for Schnitzels and Giggles, why wouldn't that logic apply to bicycles, Segways, scooters, roller skates etc? Perhaps it is an issue of probability and severity. However, I could see, significant injury by bicycle. i.e. A Group of fifty cycling together and one causing another to fall etc.

Or, is that where the fact is that insurance isn't prevalent so no deep pockets for lawyers to pick?

I believe bicycles and roller skates are covered under the homeowner's policy....I don't think segways and motor scooters are, though.

Insurance agents are very good at scare tactics & isolated worse case scenarios. The insurance industry is synonymous with the gambling industry.
Here's how this works:
The insurance company makes a bet with you that you will not have an incident with your golf cart within the next year. You give them your money to hold while betting them that you will have an incident within a year. Then at the end of that year you make the same bet again...and again...and again...and so on. Just as in the gambling industry, the house (or insurance company) will always consistently win. Golf cart insurance...it's a sucker's bet!

My Disclaimer
Of course if you are like a number of TV residents who frequently drink & drive, like to speed, run stop signs, are impatient or inattentive, can't see or hear well, or are a bit confused, then that might tilt the odds in your favor.

Think of it from the other side, someone driving their golf cart in a negligent, irresponsible, reckless manner injures you causing you to suffer long term or permanent injuries, without INS you have a good likelihood of never being properly compensated for your injuries, yes there are abuses but I wouldn't want to live in a state were they did not have mandatory auto INS

When I first came to TV to rent for the winter season I felt fortunate to find a rental with golf cart included. However, after reading the contract and discussing with my insurance company, I learned that I would not be covered for any liability claim, should one arise. And, I could find no avenue for getting insurance for a rental cart. The companies renting wouldn't cover it, and my insurance company wouldn't cover a cart I didn't own.

I wound up buying my own golf cart even before DW and I had decided on buying a home here. While I was figuring all of this out, I was driving the rental cart, coming through a tunnel, and as I exited the tunnel, bordered by shrubbery, out of the shrubbery came a runner. Fortunately I had come to a complete stop, and he had time to avoid running into my cart (which was not moving).
As I reflected upon the near-collision later, I decided that even careful drivers (I've been driving cars for 54 years, no accidents, and not one moving violation in that time) can be involved in an accident, either by making a mistake (we all make mistakes) or someone else making a mistake.

Once there is an accident, it can easily become a "he said, she said" scenario. I worked a long time to accumulate enough assets to live a nice retirement. For a hundred, or two-hundred dollars a year, I'll take the "sucker's bet", and create one more layer of protection between an accident and my assets.

If the negligent cart owner had no insurance would Morgan and Morgan have touched the case?
I don't know.
Going after an individual and/or their homeowners comprehensive might be an entirely different legal game.

Oh, really? A cycling friend of mine was killed by a careless cart driver who turned into his path this past spring. 😡

Insurance is a must
 

And to all those who rent a house with a golf cart included think again. You don’t really know the person you are renting to… but you are assuming their responsibility in the event of a golf cart accident…. You are the owner!! Lawyers will have their hands in your pocket!!

That's what I was thinking. Was it a street licensed golf cart with a tag? K-ching for M n M we only take k-ching cases.

I have golf cart insurance mainly for theft.

$14,000 would be a lot to lose.

Piece of mind comes with a price tag.

Just so I'm clear from my part, I don't like lawyers and I think they're the biggest part of the problem. Frivolous lawsuits cost us all. I'm not saying that any of us should be irresponsible, just stop the system from taking advantage. Don't know this case from Adam, just my thoughts on lawyers

really? so doesn't matter who is driving the golf cart, but the golf cart is responsible? like the automobile insurance, where the car owner is responsible for an accident even if the driver is not the owner nor covered under the owner's policy?

not sure I believe that as written. . but i could be wrong as I am not a FL legal expert.

You already know how this works once the lawyers are involved. They sue the driver, they sue the owner, they sue the developer, the county, the contractor who built the road, the store that sold and/or serviced the cart, the cart manufacturer and somebody's babysitter as well.

Dangerous Instrumentality Doctrine in Florida | DeLoach, Hofstra & Cavonis, P.A.