We've asked an attorney to address golf cart insurance. A must read

We've asked an attorney to address golf cart insurance. A must read


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Old 11-12-2009, 08:30 PM
bimmertl bimmertl is offline
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Join Date: Jul 2007
Posts: 681

Originally Posted by TomW View Post
I just have to ask this question because I think I may be missing something: I have medical expense insurance through my employment that covers me and my wife for injury, illness, etc., from any cause. Why would I pay for the same coverage through an auto or a golf cart policy? I don't understand the rationale of trying to guess how and in what circumstance I might be injured or become ill. A good general policy should cover everything I believe. When I was injured in an auto accident a few years back, they certainly inquired if I had medical expense insurance through my auto policy. When I said no and they verified the information, my employer medical expense policy readily paid everything. It is irrational to me to buy two insurance policies to cover the same thing when only one will ever pay.
You raise an excellent point. In actuality, the only reason to purchase the medical insurance for people in the golf cart would be primarily for the benefit of any passengers who happened to be injured during the use of the cart. Considering the variety of people who could be in the cart, (kids, uninsured friends etc.) it's some minimal coverage (usually $5,000)for a nominal yearly amount that would cover the majority of minor injuries regardless of fault.

Having said that, ask yourself, why everybody in the state of Florida is required to purchase $10,000 of medical coverage on their auto policy for an antiquated alleged "no fault" insurance plan?
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Old 11-18-2009, 09:49 AM
texasfal texasfal is offline
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Join Date: Sep 2008
Posts: 428

Because Florida's Plaintiff's bar has a very strong lobby.
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Old 01-10-2010, 07:24 PM
Ricardo del Sidney Ricardo del Sidney is offline
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Join Date: May 2009
Posts: 13

I'm not going to allow someone I don't know to ride with me in my golf cart while I play a round. That is silly.
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No riders
Old 01-11-2010, 08:40 AM
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hedoman hedoman is offline
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Join Date: Sep 2009
Location: Polo Ridge
Posts: 612
Default No riders

May I post a sign "NO RIDERS" like the old home delivery Milkman and Postal trucks had back in the day? Can I say NO because I'm not insured to carry riders? In this litigous society it is a risk if somebody falls out of a cart because they are uncoordinated or reckless. You can't always manage the actions of your riders. What if he/she goes to move the cart because they are closer to it and doesn't lock the brake and it rolls into a pond? Or they hit somebody etc. etc. etc. I wouldn't mind giving soebody a ride if they have a waier but talk about slow play trying to get that paperwork done.....
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Old 03-16-2010, 02:52 PM
BigLew BigLew is offline
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Join Date: Feb 2010
Location: Hadley
Posts: 218

Originally Posted by The Great Fumar View Post
In five years I have never had an ambassador direct me to allow another golfer to ride in my cart........If it does happen , I would tell him to stick it up his nose ......I'm not saying I wouldn't give someone a ride but if I do ,its going to be my idea and no one elses......
That would be like being forced to give someone a ride ot Orlando because your going in that direction........
I'm not saying that this couldn't happen , I'm just saying it better never happen to me...........
so you never play in the Tuesday Tournies.......
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Old 08-04-2010, 10:46 AM
Jhooman Jhooman is offline
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Join Date: Jul 2010
Location: Tamarind Grove
Posts: 369

Excellent article.

When we come to TV next year, I'll purchase the additonal golf cart coverage. It's important to protect the nest egg from a possible lawsuit.

I wonder if an Umbrella policy would apply?

Thanks again.

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Golf ( Cart / LSV )
Old 09-21-2010, 10:41 AM
TnD111 TnD111 is offline
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Join Date: Jun 2010
Posts: 9
Default Golf ( Cart / LSV )

My main question is; why do I need to pay more for my 10 thousand dollar golf cart ( LSV ) insurance than our 50 thousand dollar Lexus ???

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Old 09-25-2010, 09:23 PM
ilvgolf ilvgolf is offline
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Join Date: Oct 2007
Posts: 146

My sister just purchased a golf cart and went to cover it with her insurance company. When she told them that she bought it so her renters would have a golf cart to get around in, they refused to insure it. They specifically said that they were NOT guests in her home but paying to stay there. I called my insurance company and she told me the same thing but referred me to Allstate. I called my allstate agent and was told that yes, they insure golf carts but if you are renting your house then you need what is called "guest liability" insurance. It runs $140.00 a year but then you can't be sued if something happens to them while they are renting your house and using your cart. I will note here, that my sister gives up her ID card and priviledges when she rents her house because the people want to play golf etc. Just thought I would throw this out to anyone who might rent their home and include a golf cart as part of the package.
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Old 12-07-2010, 08:38 AM
simpilot simpilot is offline
Join Date: Apr 2010
Posts: 54

I'm a new Florida resident but everywhere I've lived until now a waiver releasing liability is as worthless as the paper it's printed on. It's always assumed that the vehicle will be operated in a safe and prudent manner for the waiver to have any legal force. If an accident happened the definition of safe and prudent is up to the courts and so the lawsuits begin.
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Golf cart insurance in The Villages
Old 05-04-2011, 10:24 PM
jaykay jaykay is offline
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Join Date: May 2011
Posts: 1
Default Golf cart insurance in The Villages

I am interested in renting my home in the Villages. This home will come equipped with a golf cart. I want to get the correct coverage for my home and the golf cart when a renter and also the owner uses the home and the golf cart. What is the correct insurance I should purchase and who should I contact?
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