Talk of The Villages Florida
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Talk of The Villages Florida (https://www.talkofthevillages.com/forums/)
-   All About Golf Carts and Things (https://www.talkofthevillages.com/forums/all-about-golf-carts-things-156/)
-   -   If you dont have or think you need golf cart insurance, think again (https://www.talkofthevillages.com/forums/all-about-golf-carts-things-156/if-you-dont-have-think-you-need-golf-cart-insurance-think-again-345004/)

Blueblaze 10-28-2023 12:36 PM
Quote:
Originally Posted by Windguy (Post 2268961)
Oh, really? A cycling friend of mine was killed by a careless cart driver who turned into his path this past spring. 😡
If you are a careless cart driver, who somehow manages to drive a vehicle limited to 20mph so dangerously that you could actually kill a bicyclist, then by all means -- please carry lots of insurance so that I can get Morgan and Morgan interested in suing you if you hit me.

Topspinmo 10-28-2023 05:43 PM
Quote:
Originally Posted by CoachKandSportsguy (Post 2269073)
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.

Think of it as blaming the gun and bullets. :eclipsee_gold_cup:

jimjamuser 10-28-2023 06:43 PM
Quote:
Originally Posted by Blueblaze (Post 2268808)
I absolutely believe everyone should be responsible for their own actions. Not sure how that relates to paying an insurance company to be responsible for your actions, though.

What I am saying is that by hiring someone else to take responsibility for your actions, the cost of those actions increases to insane levels and the only people who benefit are the insurance companies raking in millions for thousands of dollars worth of risk, and the lawyers who grab most of the payout.

The odds of you hurting anyone with your golf cart is practically zero, and entirely under your control. Even if you do hurt someone, the damages are unlikely to be beyond your means -- unless you are paying some insurance company with deep enough pockets to attract a lawyer. $150/year to insure you against a $50K payout is highway robbery. If it was in-line with the cost and risk represented by your home and car insurance, it would be about $10/year.
I disagree that the odds of hitting someone with your golf cart are practically zero. When people are at the squares and drinking heavily and then get behind the wheel of their golf cart, MANY bad accidents can happen.

jimjamuser 10-28-2023 06:48 PM
Quote:
Originally Posted by dhdallas (Post 2268920)
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.
I agree with the last paragraph.

jimjamuser 10-28-2023 06:51 PM
Quote:
Originally Posted by Laker14 (Post 2268927)
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.
Good advice!

jimjamuser 10-28-2023 07:01 PM
Quote:
Originally Posted by Blueblaze (Post 2269156)
If you are a careless cart driver, who somehow manages to drive a vehicle limited to 20mph so dangerously that you could actually kill a bicyclist, then by all means -- please carry lots of insurance so that I can get Morgan and Morgan interested in suing you if you hit me.
Don't forget that probably 30% of the golf carts have the max speed governor jacked up to allow up to 30 MPH. If someone does that - does that INVALIDATE their insurance? The insurance companies will try their best to get out of paying. I think that increased speed is pretty stupid because a gas (not electric) golf cart has a high center of gravity, which makes the accentuated speed in combination with a drunk driver a receipt for an accident.

mtdjed 10-28-2023 08:05 PM
Quote:
Originally Posted by GoRedSox! (Post 2268912)
I believe bicycles and roller skates are covered under the homeowner's policy....I don't think segways and motor scooters are, though.
Does anyone "know" if bicycle injury or damage liability is covered by home insurance? I have never seen that listed.

Kenswing 10-28-2023 08:31 PM
Quote:
Originally Posted by jimjamuser (Post 2269237)
Don't forget that probably 30% of the golf carts have the max speed governor jacked up to allow up to 30 MPH. If someone does that - does that INVALIDATE their insurance? The insurance companies will try their best to get out of paying. I think that increased speed is pretty stupid because a gas (not electric) golf cart has a high center of gravity, which makes the accentuated speed in combination with a drunk driver a receipt for an accident.
You’re funny. Thirty percent of carts are jacked up to 30mph? Yeah right. I might believe 5 percent and that’s probably high. I wonder if there will ever be a day that you stop making up stories.

merrymini 10-29-2023 07:36 AM
You do not have to be drunk to have an accident either in a cart or car. Insurance is protection from loss not a casino game. I always carried insurance for my car, my cart, and for my house and automobile, the latter which is required by law and ignored by 25 percent of Floridians resulting in higher car insurance costs for the rest of us. If you are responsible for an accident, you have to suffer the consequences. People can sue you even if you do not have insurance and, if they win a judgement, you will pay, hopefully not with your home.

dewilson58 10-29-2023 07:39 AM
Quote:
Originally Posted by Kenswing (Post 2269252)
You’re funny. Thirty percent of carts are jacked up to 30mph? Yeah right. I might believe 5 percent and that’s probably high. I wonder if there will ever be a day that you stop making up stories.
I agree.

I'm jacked to 28mph and never been passed.
:1rotfl::1rotfl::1rotfl:

CoachKandSportsguy 10-29-2023 08:04 AM
Quote:
Originally Posted by Laker14 (Post 2268927)
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.
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. . .

CoachKandSportsguy 10-29-2023 08:17 AM
Quote:
Originally Posted by bimmertl (Post 2269123)
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:

EdFNJ 10-29-2023 05:58 PM
Quote:
Originally Posted by GoRedSox! (Post 2268729)
Our cart insurance was $171 per year for a new golf car, including collision, comprehensive, liability of $250k and property damage of $100k. I can’t complain about that.
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.

Laker14 10-30-2023 07:07 AM
Quote:
Originally Posted by Blueblaze (Post 2269156)
If you are a careless cart driver, who somehow manages to drive a vehicle limited to 20mph so dangerously that you could actually kill a bicyclist, then by all means -- please carry lots of insurance so that I can get Morgan and Morgan interested in suing you if you hit me.
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.

Bill14564 10-30-2023 07:19 AM
Quote:
Originally Posted by Laker14 (Post 2269622)
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.


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