I agree with this line of action:

A cpa/data scientist colleague worked at a local insurance company, and there are two main factors at the extremes for vehicle accident probabilities in the auto insurance casino to price the pool risk:

age, in the shape of a parabola
miles driven each year.

which is why many insurance companies want to know:
where the horses sleep each night
where you work
how many miles you drive each year. .

also remember, you are dealing with cognitively declining hoomans, who are notoriously bad at figuring mental probabilities, such as getting into the next accident after 999 times doing the same thing accident free.

Same as the stock market, same as today's score at golf,
past performance does not guarantee today's events. . . even in a golf cart.

:rant-rave: all you want, your individual past performance is irrelevant for risk pricing, but your risk pool's past performance does. . .

Thanks, coming from a no fault, insurance simplifying state, why am I not surprised?

Aren't lawyers creative in creating doctrines to maximize their fees by extending responsibility to everyone and anyone, instead of assuming individual's are responsible for all unforeseeable actions of the immediate individual?

:swear: :rant-rave:

And people wonder why florida is a highly litigious state and premiums are higher than many other places in the country. And doctrines like this are should be included in state insurance reform, along with some other crap. However, since most governments here are either lawyers from the industry guaranteeing themselves future work, or !@#$%^&*

Its a third world country compared to the rest of america. .:sigh:

I would (complain), mine is $108 same coverage for the last 3 years. :D. Of course next April when it comes up for the 4th year renewal it might be 3x that considering my AUTO just went up 50% for DEC 1 renewal.

Edit: Just checked. I have 500K/250K liability and 100K property damage and ACV collision & comp. So I would definitely complain. :D. Going to remove uninsured motorist which will save another $26.50. No idea why I have that for a golf cart.

Let's think about that for a moment.

The golf cart's speed may not be an issue here. An old body on a bike moving at 10mph, t-bones a golf cart that may or may not have failed to yield the ROW, old body goes over the handlebars hitting head on something hard....

The cart may not have been moving anywhere near 20mph.
Accidents happen. Mistakes are made. We all make them.

That incident was frightening because I could imagine it happening to me. I walk Hillsborough in the morning and I know the sun can be blinding at spots. I can imagine being able to see just enough to notice an oncoming car and wait for it before attempting to turn. I would not anticipate a bicycle being close behind that car and I would not be able to see it in the sun. I can imagine making that same turn.

Yes. There were a lot of comments to the idea that if you can't see you should stay home, but I've been on Pinellas traveling into the rising sun, and when I left the house I didn't know I'd be blind.
It's easy to think, or to say that would never happen to me, but in reality, it could happen to any of us.

In the past I had the habit of walking a MMP early in the morning, had it just about to myself and then late in the afternoon, walking on the left facing traffic, both morning and afternoon I have been forced to jump off the path to avoid being hit, I no longer walk the paths in the afternoons ,it being it seems somewhat safer in the mornings,

You need UM coverage on the golf cart to protect you from uninsured drivers on the roadway who may just hit you while you are in the golf cart lane.

For $25 a year it's worth it.

Litigation
 

Yes, we have noticed Florida seems like the Wild West when it comes to litigation, We have policies on most things except for homeowners. We self insure and plan to do the same in Florida.