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

[Talk Host]

We have asked attorney Tim Babiarz who practices Personal Injury and Insurance Law in The Villages and the Tri-County area to address golf cart insurance.


DO YOU REALLY NEED GOLF CART INSURANCE?

I. INTRODUCTION/FORGET WHAT YOU KNOW

In order to understand the basics of insurance coverage for golf carts, it is important first to understand the basics of automobile insurance coverages in Florida. First and foremost, forget what you know about automobile insurance in New York, Michigan, or whatever state from which you retired. If you are a Florida resident with a car registered in Florida, then Florida law applies.

In Florida, the law only requires PIP or No-Fault coverage. Many drivers in Florida take this as an invitation by the State of Florida to drive with minimal or no coverage on their vehicles. It is estimated that approximately 30% to 40% of all Floridians do not have any automobile insurance at all, or have no bodily injury liability coverage to protect you in the event they hit you. The Insurance Research Counsel reports that 23% of Florida drivers carried no automobile insurance as of 2007 and that the number could increase to 28% by 2010. The number becomes higher when considering the number of drivers without bodily injury liability coverage.

II. AUTOMOBILE INSURANCE COVERAGE IN FLORIDA

Insurance agents typically sell automobile insurance coverage to help one purchase what the law requires and to help protect their assets. The conscientious insurance agent also sells additional coverage to the insured to protect the insured for their own injuries in the event of a crash.

A. PIP/No Fault Insurance

In the State of Florida, the Personal Injury Protection Insurance law, also known as “No-Fault” Insurance, requires that owners of motor vehicles registered in Florida purchase Personal Injury Protection (PIP) which includes property damage liability coverage. PIP coverage generally protects you, resident relatives, and persons operating or occupying the motor vehicle for injuries incurred as a result of an automobile crash. It can also apply if you are struck by a motor vehicle while you are a pedestrian. PIP coverage typically pays 80% of your medical expenses, and 60% of your lost wages, and other non-medical expenses up to $10,000.00. Property damage liability of $10,000, also required by Florida’s PIP law, generally covers damage to the other vehicle if you, the insured, are negligent in an automobile crash. As such, it is recommended that you have adequate coverage on your own policy to protect your interests and those of your loved ones.

B. Bodily Injury Liability

Bodily Injury Liability (BI) coverage generally provides that the insurance company will pay damages for which an insured becomes legally required to pay as a result of personal injury to another from a crash resulting from the ownership, maintenance, or use of the insured motor vehicle. Because of the proliferation of litigation and the potential of a judgment collectible against your assets, it is strongly recommended that you purchase Bodily Injury Liability (BI) coverage to protect you if you, or the operator of your vehicle, are negligent in a crash.

C. Uninsured/Underinsured Motorist Coverages

In all too many traffic crashes in Florida, the at-fault party has no Bodily Injury Liability coverage available, or worse, no insurance whatsoever. Because many negligent drivers fail to insure themselves or inadequately insure themselves, it is strongly recommended that you purchase Uninsured/Underinsured Motorist (UM) coverage which protects you and your resident relatives if you are in a crash and the at-fault party has no Bodily Injury Liability coverage or inadequate liability insurance coverage. Due to the minimal requirement for insurance in Florida -- where the law only requires $10,000 in Personal Injury Protection coverage -- it is critical to protect yourself in case you are involved in a crash that is not your fault. If you have further questions regarding your insurance coverage, we advise you to contact your insurance company and/or your insurance agent to make sure you have adequate liability and uninsured/underinsured motorist coverage.

D. Other Coverages

Other coverages that are typically part of automobile coverage include Collision and Comprehensive coverages for your automobile. Collision coverage is a “no-fault” coverage that pays for damage or destruction to your automobile in the event of a crash. Collision coverage is no-fault which means that it will cover the damage to your vehicle regardless of who is at fault in a crash. Comprehensive coverage generally covers property damage or the total loss to your vehicle except where caused by a collision. Events which might trigger this comprehensive coverage include fire, hurricane, tornado, theft, flooding or windstorm damage.

Rental coverage and emergency roadside assistance coverages are also sometimes part of automobile insurance. These coverages are usually supplemental in nature, and can provide added protection. Finally, Medical Payments insurance (Med Pay) generally covers you or a resident relative who is injured and incurs medical bills as a result of a motor vehicle crash. Medical payments coverage is also a no-fault coverage which applies regardless of who is responsible for the crash.

III. GOLF CART COVERAGE

Now, is everyone ready for a pop quiz on automobile insurance coverages? Just kidding . . . but now you are ready to wade into the sometimes murky waters of golf cart coverage. To understand golf cart insurance, you have to begin with Florida’s laws regarding golf carts. Initially, a golf cart is a motor vehicle for some purposes, and is not a motor vehicle for other purposes. Murky, right?

To clear up the confusion, for purposes of Florida’s PIP statute, a golf cart is not a motor vehicle because it is generally not required to be licensed for use on the highways of this state. Practically, this means that in most cases, although not all, your golf cart generally will not be covered for crashes under your traditional automobile coverage or Florida’s PIP coverages. Because the PIP statute’s coverage of $10,000 is not available for injuries suffered arising out of the use of a golf cart, there is a gap in insurance coverage for the medical expenses of persons injured while using a golf cart. For this reason, it is recommended that you purchase medical payments coverage for your golf cart, if available.

Next, under Florida’s motor vehicle law, a golf cart is a dangerous instrumentality. The owner of a golf cart, because it is a dangerous instrumentality, is responsible for the damages caused by anyone using it with the owner’s permission. Accordingly, it is critical to purchase liability coverage in case property damage or bodily injury results from a golf cart incident, regardless of who is using it – if you are the owner, or if you will be using a golf cart on a regular basis. The unfortunate reality is that owners of automobiles and golf carts are almost always named as defendants in lawsuits to answer for damages -- even if they were not driving or present at the time of the crash.

If 30 to 40% of automobiles have no bodily injury liability coverage, close your eyes and imagine what percentage of golf carts are not insured. Because of the significant number of golf carts and automobiles that have little or no insurance, it is again recommended that you purchase uninsured/underinsured motorist coverage. Practice the golden rule of insurance -- insure for yourself as you would have others insure for you.

Most insurance companies cover golf carts as a component or rider under a homeowner’s insurance policy, or under an automobile insurance policy, or under a separate recreational motor vehicle policy. It is crucial to read your homeowner’s insurance policy to determine exactly what coverages are provided for your golf cart. Many of these policies cover only property damage liability which means that if you are involved in a crash, you are unprotected. When purchasing golf cart coverage, always ask your insurance agent specifically to list your golf cart as an insured item under your policy. Additionally, request adequate bodily injury liability, uninsured/underinsured motorist, and medical payments coverage. How much coverage to purchase varies from person to person. However, the general rule should be to purchase enough coverage to protect you and your assets in the event of a crash.

In sum, you are the person in the best position to purchase adequate coverage before something bad happens. You and your family are the most important people you know, so protect yourself and your family. As a practical matter, uninsured/underinsured motorist coverage is utilized very often to pay medical bills, lost wages, and to compensate for pain and aggravation. Finally, purchase medical payments coverage in at least $10,000 where available to protect you in your golf cart. Be safe and happy motoring!



Disclaimer This article is a general analysis of the current law and is not meant to provide legal advice. For specific legal issues applied to a given set of facts, always contact competent legal counsel.
The author Tim Babiarz practices Personal Injury and Insurance Law in The Villages and the Tri-County area. He can be reached at 352-205-7599 or by e-mail at tim@babiarzlawfirm.com and at www.BABIARZLAWFIRM.com.

[Talk Host]

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[Midge538]

Many of us use our personal golf carts while playing the Villages golf courses. It is often the case that we are instructed / compelled by the 'Ambassadors' to allow a guest to share our cart. I have previously inquired with the Villages as to any liability in case someone then riding in the cart suffered an injury. The Village's attorneys 'refused' to respond. "Drive carefully."

[RichieLion]

I'm not a golfer, but what if you were to have a forced passenger sign a waiver absolving you from any claimed damages from his forced accommodation. Would that be legal under Florida law?

[dillywho]

We have carried insurance on our cart from the time we bought it in 2004. Depending on how much coverage you get, it starts around $75 per year. One thing that you might want to keep in mind, if you include cart coverage in your homeowner's policy and file a claim, then you have a ding against you for having had a claim against your homeowner's insurance which could prove costly or result in denial should you have to change for some reason (State Farm pulling out, etc.).

[rshoffer]

Notice the one line : "Because of the PROLIFERATION of litigation..." :cus:

[Talk Host]

bump

[champion6]

Good Lord. Why would you bump a Sticky message? :shrug:

[The Great Fumar]

Many of us use our personal golf carts while playing the Villages golf courses. It is often the case that we are instructed / compelled by the 'Ambassadors' to allow a guest to share our cart. I have previously inquired with the Villages as to any liability in case someone then riding in the cart suffered an injury. The Village's attorneys 'refused' to respond. "Drive carefully."

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...........:boxing2:

[Muncle]

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...........:boxing2:


Me neither.




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[Talk Host]

Good Lord. Why would you bump a Sticky message? :shrug:


Bumping brings it back to the top of the recently posted threads. Since I bumped it yesterday, nearly 200 more people have read it than had previously.

[cologal]

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...........:boxing2:

Happens all the time on the golf courses...only 2 carts on the course per foursome. I've ridden in some pretty nice carts which will help me when I buy a new cart in the future. I don't like losing my cooler, happens on 4 seater carts, so I bring a small one I can put at my feet.

[faithfulfrank]

Just to add another twist to the golf cart insurance thing.....I maintain a NY and a Florida home. I have a golf cart policy with my allstate agent for my golf cart that is as of now in Florida.

My agent told me that it did not matter where the policy was written, that I have the right to take it anywhere, and if I choose to keep it in Florida, all coverages, including liability in in force regardless of where the cart is or where I took out the policy.

I think I'll check into it more when I'm down there next month.

Frank

[Talk Host]

bump

[Midge538]

The "Bogey S" member often comments on and shares his knowledge re: golf issues/courses/carts/fees/behavioral issues, maybe he could share his knowledge on this insurance issue? It does need clarification.

[Muncle]

Hey Beaver, er, I mean Jan (sorry, the pic threw me),
Thanx for your lawyer's guidance on cart insurance, but it still leaves a bog hole in some questions that have been cussed and discussed in here. Specifically, under Florida law, when is a golf cart a golf cart, when, if the speed capability exceeds 19 MPH, does it become a LSV, and when does it exceed the parameters of a LSV and what does it then become. And, of course, the critical elements, what are the legal and insurance implication?

Some sample comments:
Joe has his golf cart timed by Sumter County's finest using the latest technology in radar at 26MPH. Is he cited for a speeding golf cart or operating a LSV with it being licensed)?

Deb is driving her golf cart, takes a corner too fast, and throws Fumar from the cart into a wall. Fumar is hurt pretty badly and must be med-evaqed. The local constabulary time the cart with radar, capable of 28 MPH. Do the cops rule the cart a LSV? Does Deb's golf cart insurance cover her ever increasing liability from Fumar's helicopter flight, hospital TLC, and plethora of tests? Or does that company say, "no, not my job man" and deny coverage because it ain't a golf cart anymore?

There were many more examples cited, some quite realistic, some maybe not so much. We've had former insurance folks and ex-lawyers who can and have cited personal experience in Ohio, Maine, or Idaho, and they seemingly support at least both sides of the arguments. Jan (or Beav) could your tame lawyer address this?




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[Boomer]

Ohmygosh! Munc! Thank you!

That picture has been driving me nuts. Since it appeared, I have been asking myself, "Who is that? I know that kid. Did I go to elementary school with TH?" Oh, Munc, I was thinking I was going to have to ask TH, "Vas you ever in Zinzinnati?"

And then, sure enough, Munc, you rode right in here :crap2: and saved my sanity. It is The Beaver! Why couldn't I see that?

Ohhhhh, please watch out for Eddie Haskell. He might be around here someplace, too.

OK, back to you, Beav.

Boomer

[Muncle]

No Boom, I can't accuse Jan of actually being the Beaver. I was going thru some early grade school pictures recently and was reminded that all us kids in the mid-50's looked like the Beav (or maybe Larry, Whitey, or Gilbert). Actually Jan's pic looks more like Charlie, my best friend who left KC in the mid 50's and moved to California. But it's probably not him.

[golfnut]

Muncie, I thought this was a thread about golf cart insurance, not a discussion of the defintion of a golf cart versus an NEV or a LSV.....GN

[TomW]

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.

[bimmertl]

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?

[texasfal]

Because Florida's Plaintiff's bar has a very strong lobby.

[Ricardo del Sidney]

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.

[hedoman]

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.....:police:

[BigLew]

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...........:boxing2:

so you never play in the Tuesday Tournies.......

[Jhooman]

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.

Jeanette

[TnD111]

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 ???

TnD111

[ilvgolf]

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.

[simpilot]

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.

[jaykay]

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?

[bogeybabe]

I would like to know who to contact for golf cart insurance. Any ideas or references would be appreciated.
thank you

[Fourpar]

Call The Villages Insurance office. Got mine through them (ASI) and am satisfied with it.

[rubicon]

Folks there are so many different scenarios referenced in this thread it would be impossible to respond with any clarity. When it comes to insurance question the policy dictates what will occur in conjunction with the state laws. For insurance some variables include the person's status as an insured, or if there is a specific or general exclusion. also the underwriting rules or risks an insurer will agree to retain. For example many Homeowners policies exclude golf carts under their policies or will add an endorsement for additional premium.

I have separate coverage (golf cart coverage which includes Collison, comp Liability UMC/UNI PIP, etc the limits fit with my Unbrella Coverage

I would suggest that you speak with your agent to be sure you understand your coverages and their benefits and limits.

As to cart sharing. I hve been here for 5 years and ir has been a common practice,at excutive courses to have the starters ask that people double up.
In the beginning they would not allow more thn two carts on at a time. Lately they have allowed three carts. To be perfectly honest with you I never gave the insurance issue much thought all though it had occurred to me periodically. However, I dismissed it because I had met some very interesting people that way.

[justjim]

At $75.00 a year why wouldn't everybody carry insurance on their golf cart. Accidents happen---fact of life.:boom:

[Barefoot]

At $75.00 a year why wouldn't everybody carry insurance on their golf cart. Accidents happen---fact of life.:boom:
I would think that everyone does have golf cart insurance and home insurance and auto insurance.

[jimbo2012]

I was told it's covered under the HO by request no charge

[Bill-n-Brillo]

I was told it's covered under the HO by request no charge

Better follow-up on that with the specific company you're looking at for the coverage, just to be sure. That kind of coverage differs by company. And make sure they're able to document what coverage they're providing you on the cart.

We've insured our cart with the same coverages we have on our cars. That way State Farm will include the cart under our Umbrella Policy.

Bill :)

[bimmertl]

I was told it's covered under the HO by request no charge

True, however, the basic homeowners coverage for a golf cart is typically limited to while the golf cart is used for golfing purposes. It's not going to provide coverage, from the basic HO policy, for the typical use seen in TV without an endorsement or a separate policy on the cart.

[steamdogman]

Thank you that was an excellent review of golf and auto insurance coverage.

[jfm37]

I am still confused on the liability of letting a renter use your golf cart. I have been told by 4 different insurance companies that if a renter has an accident in my golf cart and hurts someone else that the liability coverage would not apply, therefore opening you up for a lawsuit from the injured person(not the renter). Anyone have any suggestions on insurance companies that cover liability for parties outside of the cart.

[normanne]

I have just been told by my auto insurance agent at Allstate, that unless I hold a Florida Drivers license, I cannot get coverage when driving my golf cart.
As a non resident, the department that issues driver licenses says I can drive an auto on my UK license during the 3 month period when here.
Do all insurance companies apply the same rule I wonder? There are many Brits here on holiday driving a rented or loaned golf cart, who do not hold a Florida drivers license. Should we be concerned?



We have asked attorney Tim Babiarz who practices Personal Injury and Insurance Law in The Villages and the Tri-County area to address golf cart insurance.


DO YOU REALLY NEED GOLF CART INSURANCE?

I. INTRODUCTION/FORGET WHAT YOU KNOW

In order to understand the basics of insurance coverage for golf carts, it is important first to understand the basics of automobile insurance coverages in Florida. First and foremost, forget what you know about automobile insurance in New York, Michigan, or whatever state from which you retired. If you are a Florida resident with a car registered in Florida, then Florida law applies.

In Florida, the law only requires PIP or No-Fault coverage. Many drivers in Florida take this as an invitation by the State of Florida to drive with minimal or no coverage on their vehicles. It is estimated that approximately 30% to 40% of all Floridians do not have any automobile insurance at all, or have no bodily injury liability coverage to protect you in the event they hit you. The Insurance Research Counsel reports that 23% of Florida drivers carried no automobile insurance as of 2007 and that the number could increase to 28% by 2010. The number becomes higher when considering the number of drivers without bodily injury liability coverage.

II. AUTOMOBILE INSURANCE COVERAGE IN FLORIDA

Insurance agents typically sell automobile insurance coverage to help one purchase what the law requires and to help protect their assets. The conscientious insurance agent also sells additional coverage to the insured to protect the insured for their own injuries in the event of a crash.

A. PIP/No Fault Insurance

In the State of Florida, the Personal Injury Protection Insurance law, also known as “No-Fault” Insurance, requires that owners of motor vehicles registered in Florida purchase Personal Injury Protection (PIP) which includes property damage liability coverage. PIP coverage generally protects you, resident relatives, and persons operating or occupying the motor vehicle for injuries incurred as a result of an automobile crash. It can also apply if you are struck by a motor vehicle while you are a pedestrian. PIP coverage typically pays 80% of your medical expenses, and 60% of your lost wages, and other non-medical expenses up to $10,000.00. Property damage liability of $10,000, also required by Florida’s PIP law, generally covers damage to the other vehicle if you, the insured, are negligent in an automobile crash. As such, it is recommended that you have adequate coverage on your own policy to protect your interests and those of your loved ones.

B. Bodily Injury Liability

Bodily Injury Liability (BI) coverage generally provides that the insurance company will pay damages for which an insured becomes legally required to pay as a result of personal injury to another from a crash resulting from the ownership, maintenance, or use of the insured motor vehicle. Because of the proliferation of litigation and the potential of a judgment collectible against your assets, it is strongly recommended that you purchase Bodily Injury Liability (BI) coverage to protect you if you, or the operator of your vehicle, are negligent in a crash.

C. Uninsured/Underinsured Motorist Coverages

In all too many traffic crashes in Florida, the at-fault party has no Bodily Injury Liability coverage available, or worse, no insurance whatsoever. Because many negligent drivers fail to insure themselves or inadequately insure themselves, it is strongly recommended that you purchase Uninsured/Underinsured Motorist (UM) coverage which protects you and your resident relatives if you are in a crash and the at-fault party has no Bodily Injury Liability coverage or inadequate liability insurance coverage. Due to the minimal requirement for insurance in Florida -- where the law only requires $10,000 in Personal Injury Protection coverage -- it is critical to protect yourself in case you are involved in a crash that is not your fault. If you have further questions regarding your insurance coverage, we advise you to contact your insurance company and/or your insurance agent to make sure you have adequate liability and uninsured/underinsured motorist coverage.

D. Other Coverages

Other coverages that are typically part of automobile coverage include Collision and Comprehensive coverages for your automobile. Collision coverage is a “no-fault” coverage that pays for damage or destruction to your automobile in the event of a crash. Collision coverage is no-fault which means that it will cover the damage to your vehicle regardless of who is at fault in a crash. Comprehensive coverage generally covers property damage or the total loss to your vehicle except where caused by a collision. Events which might trigger this comprehensive coverage include fire, hurricane, tornado, theft, flooding or windstorm damage.

Rental coverage and emergency roadside assistance coverages are also sometimes part of automobile insurance. These coverages are usually supplemental in nature, and can provide added protection. Finally, Medical Payments insurance (Med Pay) generally covers you or a resident relative who is injured and incurs medical bills as a result of a motor vehicle crash. Medical payments coverage is also a no-fault coverage which applies regardless of who is responsible for the crash.

III. GOLF CART COVERAGE

Now, is everyone ready for a pop quiz on automobile insurance coverages? Just kidding . . . but now you are ready to wade into the sometimes murky waters of golf cart coverage. To understand golf cart insurance, you have to begin with Florida’s laws regarding golf carts. Initially, a golf cart is a motor vehicle for some purposes, and is not a motor vehicle for other purposes. Murky, right?

To clear up the confusion, for purposes of Florida’s PIP statute, a golf cart is not a motor vehicle because it is generally not required to be licensed for use on the highways of this state. Practically, this means that in most cases, although not all, your golf cart generally will not be covered for crashes under your traditional automobile coverage or Florida’s PIP coverages. Because the PIP statute’s coverage of $10,000 is not available for injuries suffered arising out of the use of a golf cart, there is a gap in insurance coverage for the medical expenses of persons injured while using a golf cart. For this reason, it is recommended that you purchase medical payments coverage for your golf cart, if available.

Next, under Florida’s motor vehicle law, a golf cart is a dangerous instrumentality. The owner of a golf cart, because it is a dangerous instrumentality, is responsible for the damages caused by anyone using it with the owner’s permission. Accordingly, it is critical to purchase liability coverage in case property damage or bodily injury results from a golf cart incident, regardless of who is using it – if you are the owner, or if you will be using a golf cart on a regular basis. The unfortunate reality is that owners of automobiles and golf carts are almost always named as defendants in lawsuits to answer for damages -- even if they were not driving or present at the time of the crash.

If 30 to 40% of automobiles have no bodily injury liability coverage, close your eyes and imagine what percentage of golf carts are not insured. Because of the significant number of golf carts and automobiles that have little or no insurance, it is again recommended that you purchase uninsured/underinsured motorist coverage. Practice the golden rule of insurance -- insure for yourself as you would have others insure for you.

Most insurance companies cover golf carts as a component or rider under a homeowner’s insurance policy, or under an automobile insurance policy, or under a separate recreational motor vehicle policy. It is crucial to read your homeowner’s insurance policy to determine exactly what coverages are provided for your golf cart. Many of these policies cover only property damage liability which means that if you are involved in a crash, you are unprotected. When purchasing golf cart coverage, always ask your insurance agent specifically to list your golf cart as an insured item under your policy. Additionally, request adequate bodily injury liability, uninsured/underinsured motorist, and medical payments coverage. How much coverage to purchase varies from person to person. However, the general rule should be to purchase enough coverage to protect you and your assets in the event of a crash.

In sum, you are the person in the best position to purchase adequate coverage before something bad happens. You and your family are the most important people you know, so protect yourself and your family. As a practical matter, uninsured/underinsured motorist coverage is utilized very often to pay medical bills, lost wages, and to compensate for pain and aggravation. Finally, purchase medical payments coverage in at least $10,000 where available to protect you in your golf cart. Be safe and happy motoring!



Disclaimer This article is a general analysis of the current law and is not meant to provide legal advice. For specific legal issues applied to a given set of facts, always contact competent legal counsel.
The author Tim Babiarz practices Personal Injury and Insurance Law in The Villages and the Tri-County area. He can be reached at 352-205-7599 or by e-mail at tim@babiarzlawfirm.com and at Personal Injury Lawyer – The Villages, Florida | Tim Babiarz Law Firm, PA (http://www.BABIARZLAWFIRM.com).

[big guy]

I would like to know who to contact for golf cart insurance. Any ideas or references would be appreciated.
thank you

Contact Allstate, 259-3825, Kevin McDonald agency. Ask for Stephanie

[aaffmom]

You have to own the cart to buy insurance.

[mrsanborn]

I regards to uninsured auto drivers, how do they renew their car registration without proof of insurance?

[njbchbum]

I regards to uninsured auto drivers, how do they renew their car registration without proof of insurance?

When it is time for renewal they go out and put a deposit down on a new policy and arrange for mthly or qtrly payment schedule, get a copy of the ins binder, go to inspection and never make another ins payment until the next registration renewal. At least that's the Jersey way! ;)

[capecodbob]

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 ???

TnD111

I pay $104 a year to insure my NON-LSV golf cart. I looked at LSV carts but didn't feel it was worth the extra large insurance bill to own one.
Plus I noticed the LSV carts on the public roads and they seem to be in the way and not able to keep up with the flow of traffic. Not something I'd care to do.

[Bogie Shooter]

I would like to know who to contact for golf cart insurance. Any ideas or references would be appreciated.
thank you

Contact Allstate, 259-3825, Kevin McDonald agency. Ask for Stephanie

The question was asked in June/2011. I bet by now they have found golf cart insurance.:wave:

[ijusluvit]

Thanks to the Admin for initiating this sticky!

I consider this a real public service! :bigbow:

It appears the attorney who was consulted about this has given good, sound information and opinion.

This information did not include anything about insurance implications of renting your cart to someone else, or what coverage you might have if you rent a cart from another company or private party. I've made a number of what I believe are well-researched comments about these matters in previous threads and would welcome another sticky about those topics.

Thanks again chief!

[Steve Gawdun]

We have asked attorney Tim Babiarz who practices Personal Injury and Insurance Law in The Villages and the Tri-County area to address golf cart insurance.


DO YOU REALLY NEED GOLF CART INSURANCE?

I. INTRODUCTION/FORGET WHAT YOU KNOW

In order to understand the basics of insurance coverage for golf carts, it is important first to understand the basics of automobile insurance coverages in Florida. First and foremost, forget what you know about automobile insurance in New York, Michigan, or whatever state from which you retired. If you are a Florida resident with a car registered in Florida, then Florida law applies.

In Florida, the law only requires PIP or No-Fault coverage. Many drivers in Florida take this as an invitation by the State of Florida to drive with minimal or no coverage on their vehicles. It is estimated that approximately 30% to 40% of all Floridians do not have any automobile insurance at all, or have no bodily injury liability coverage to protect you in the event they hit you. The Insurance Research Counsel reports that 23% of Florida drivers carried no automobile insurance as of 2007 and that the number could increase to 28% by 2010. The number becomes higher when considering the number of drivers without bodily injury liability coverage.

II. AUTOMOBILE INSURANCE COVERAGE IN FLORIDA

Insurance agents typically sell automobile insurance coverage to help one purchase what the law requires and to help protect their assets. The conscientious insurance agent also sells additional coverage to the insured to protect the insured for their own injuries in the event of a crash.

A. PIP/No Fault Insurance

In the State of Florida, the Personal Injury Protection Insurance law, also known as “No-Fault” Insurance, requires that owners of motor vehicles registered in Florida purchase Personal Injury Protection (PIP) which includes property damage liability coverage. PIP coverage generally protects you, resident relatives, and persons operating or occupying the motor vehicle for injuries incurred as a result of an automobile crash. It can also apply if you are struck by a motor vehicle while you are a pedestrian. PIP coverage typically pays 80% of your medical expenses, and 60% of your lost wages, and other non-medical expenses up to $10,000.00. Property damage liability of $10,000, also required by Florida’s PIP law, generally covers damage to the other vehicle if you, the insured, are negligent in an automobile crash. As such, it is recommended that you have adequate coverage on your own policy to protect your interests and those of your loved ones.

B. Bodily Injury Liability

Bodily Injury Liability (BI) coverage generally provides that the insurance company will pay damages for which an insured becomes legally required to pay as a result of personal injury to another from a crash resulting from the ownership, maintenance, or use of the insured motor vehicle. Because of the proliferation of litigation and the potential of a judgment collectible against your assets, it is strongly recommended that you purchase Bodily Injury Liability (BI) coverage to protect you if you, or the operator of your vehicle, are negligent in a crash.

C. Uninsured/Underinsured Motorist Coverages

In all too many traffic crashes in Florida, the at-fault party has no Bodily Injury Liability coverage available, or worse, no insurance whatsoever. Because many negligent drivers fail to insure themselves or inadequately insure themselves, it is strongly recommended that you purchase Uninsured/Underinsured Motorist (UM) coverage which protects you and your resident relatives if you are in a crash and the at-fault party has no Bodily Injury Liability coverage or inadequate liability insurance coverage. Due to the minimal requirement for insurance in Florida -- where the law only requires $10,000 in Personal Injury Protection coverage -- it is critical to protect yourself in case you are involved in a crash that is not your fault. If you have further questions regarding your insurance coverage, we advise you to contact your insurance company and/or your insurance agent to make sure you have adequate liability and uninsured/underinsured motorist coverage.

D. Other Coverages

Other coverages that are typically part of automobile coverage include Collision and Comprehensive coverages for your automobile. Collision coverage is a “no-fault” coverage that pays for damage or destruction to your automobile in the event of a crash. Collision coverage is no-fault which means that it will cover the damage to your vehicle regardless of who is at fault in a crash. Comprehensive coverage generally covers property damage or the total loss to your vehicle except where caused by a collision. Events which might trigger this comprehensive coverage include fire, hurricane, tornado, theft, flooding or windstorm damage.

Rental coverage and emergency roadside assistance coverages are also sometimes part of automobile insurance. These coverages are usually supplemental in nature, and can provide added protection. Finally, Medical Payments insurance (Med Pay) generally covers you or a resident relative who is injured and incurs medical bills as a result of a motor vehicle crash. Medical payments coverage is also a no-fault coverage which applies regardless of who is responsible for the crash.

III. GOLF CART COVERAGE

Now, is everyone ready for a pop quiz on automobile insurance coverages? Just kidding . . . but now you are ready to wade into the sometimes murky waters of golf cart coverage. To understand golf cart insurance, you have to begin with Florida’s laws regarding golf carts. Initially, a golf cart is a motor vehicle for some purposes, and is not a motor vehicle for other purposes. Murky, right?

To clear up the confusion, for purposes of Florida’s PIP statute, a golf cart is not a motor vehicle because it is generally not required to be licensed for use on the highways of this state. Practically, this means that in most cases, although not all, your golf cart generally will not be covered for crashes under your traditional automobile coverage or Florida’s PIP coverages. Because the PIP statute’s coverage of $10,000 is not available for injuries suffered arising out of the use of a golf cart, there is a gap in insurance coverage for the medical expenses of persons injured while using a golf cart. For this reason, it is recommended that you purchase medical payments coverage for your golf cart, if available.

Next, under Florida’s motor vehicle law, a golf cart is a dangerous instrumentality. The owner of a golf cart, because it is a dangerous instrumentality, is responsible for the damages caused by anyone using it with the owner’s permission. Accordingly, it is critical to purchase liability coverage in case property damage or bodily injury results from a golf cart incident, regardless of who is using it – if you are the owner, or if you will be using a golf cart on a regular basis. The unfortunate reality is that owners of automobiles and golf carts are almost always named as defendants in lawsuits to answer for damages -- even if they were not driving or present at the time of the crash.

If 30 to 40% of automobiles have no bodily injury liability coverage, close your eyes and imagine what percentage of golf carts are not insured. Because of the significant number of golf carts and automobiles that have little or no insurance, it is again recommended that you purchase uninsured/underinsured motorist coverage. Practice the golden rule of insurance -- insure for yourself as you would have others insure for you.

Most insurance companies cover golf carts as a component or rider under a homeowner’s insurance policy, or under an automobile insurance policy, or under a separate recreational motor vehicle policy. It is crucial to read your homeowner’s insurance policy to determine exactly what coverages are provided for your golf cart. Many of these policies cover only property damage liability which means that if you are involved in a crash, you are unprotected. When purchasing golf cart coverage, always ask your insurance agent specifically to list your golf cart as an insured item under your policy. Additionally, request adequate bodily injury liability, uninsured/underinsured motorist, and medical payments coverage. How much coverage to purchase varies from person to person. However, the general rule should be to purchase enough coverage to protect you and your assets in the event of a crash.

In sum, you are the person in the best position to purchase adequate coverage before something bad happens. You and your family are the most important people you know, so protect yourself and your family. As a practical matter, uninsured/underinsured motorist coverage is utilized very often to pay medical bills, lost wages, and to compensate for pain and aggravation. Finally, purchase medical payments coverage in at least $10,000 where available to protect you in your golf cart. Be safe and happy motoring!



Disclaimer This article is a general analysis of the current law and is not meant to provide legal advice. For specific legal issues applied to a given set of facts, always contact competent legal counsel.
The author Tim Babiarz practices Personal Injury and Insurance Law in The Villages and the Tri-County area. He can be reached at 352-205-7599 or by e-mail at tim@babiarzlawfirm.com and at Personal Injury Lawyer – The Villages, Florida | Tim Babiarz Law Firm, PA (http://www.BABIARZLAWFIRM.com).

Recieved a Quote from Brown&Brown. $50,000 Liability only for $75/yr. Steve G.

[blube]

So is there any company from whom I can buy golf cart insurance as a short-term renter while on vacation in the Villages?

[DAN48]

We own 2 golf cars and carry the maximum amount of insurance including uninsured motorist coverage. Cost for 2 golf cars is $215 annually from Foremost.

[kittygilchrist]

Many of us use our personal golf carts while playing the Villages golf courses. It is often the case that we are instructed / compelled by the 'Ambassadors' to allow a guest to share our cart. I have previously inquired with the Villages as to any liability in case someone then riding in the cart suffered an injury. The Village's attorneys 'refused' to respond. "Drive carefully."

Midge, you can't be compelled to do that. You are submitting to pressure. am I wrong? I don't even golf, but I do know how to be stubborn.

[graciegirl]

Midge, you can't be compelled to do that. You are submitting to pressure. am I wrong? I don't even golf, but I do know how to be stubborn.









I have never been asked to share a cart with a stranger.

[ajbrown]

Midge, you can't be compelled to do that. You are submitting to pressure. am I wrong? I don't even golf, but I do know how to be stubborn.

From my experience, you will be asked to share a cart if two of you are riding in separate carts. If you do not share a cart, then one of the carts will be told to stay on the cart path. For some championship courses this can be a lot of walking.

[Katss]

So how does one protect oneself if a renter is using a golf cart? Surely someone offers this kind of coverage?

[ureout]

[/B]006]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...........:boxing2:

actually it happens quite often....if you show up as 1 player of a foursome you either drive or put your bag on their cart....they very seldom allow more than 2 carts out in a foursome

[Challenger]

actually it happens quite often....if you show up as 1 player of a foursome you either drive or put your bag on their cart....they very seldom allow more than 2 carts out in a foursome

I see three cart foursomes almost every day that I play-- and that is almost every day.:shrug:

[TheVillageChicken]

I see three cart foursomes almost every day that I play-- and that is almost every day.:shrug:

When they allow three carts, one of the carts is supposed to stay on the cart path at all times.


http://shockwaveinnovations.files.wordpress.com/2013/12/yeah-right.png

[Susan G]

I would like to know who to contact for golf cart insurance. Any ideas or references would be appreciated.
thank you

I use AAA for auto and golf cart. The policy is issued by Progressive

[dbussone]

Allstate provides insurance as well.

[JoMar]

Call The Villages Insurance office. Got mine through them (ASI) and am satisfied with it.

Ditto

[Bogie Shooter]

Information is starting to be repeated..............anybody read all the posts?

[mygpprogolfcarts]

If the ins. company is not making that much money off the policy and taking on alot of liability, thats where the problem is...Step it up ins. industry

[justjim]

I pay $104 a year to insure my NON-LSV golf cart. I looked at LSV carts but didn't feel it was worth the extra large insurance bill to own one.
Plus I noticed the LSV carts on the public roads and they seem to be in the way and not able to keep up with the flow of traffic. Not something I'd care to do.

Exactly, why I don't own a LSV. It's way too dangerous out there on a 35 mph road (like Morse) and only be able to legally travel 25 mph. That's my opinion. In addition, I've been told full coverage insurance will cost about $800.00 annually.

[OhioBuckeye]

Many of us use our personal golf carts while playing the Villages golf courses. It is often the case that we are instructed / compelled by the 'Ambassadors' to allow a guest to share our cart. I have previously inquired with the Villages as to any liability in case someone then riding in the cart suffered an injury. The Village's attorneys 'refused' to respond. "Drive carefully."

Don't really know that much about golf cart Ins. or if it's really, really necessary. Personally I think cart Ins. is just a donation to the Ins. people. As far as car Ins. & Florida's NO FAULT laws, to me that law is just a scam. First thing, I'm from Ohio & I had 2 cars Insured for less than $450. a yr. my Ins. here is $750. a yr. & if I have 10 wrecks & none of them are my fault, with the NO FAULT Ins. laws my Ins. pays for mine everytime & I'm assuming my Ins. rates will go up because of Frequent of Claims. This law to me is because they state is to lazy to investigate the accidents to see who is at fault, plus it's a way the Ins. Co. can make a lot of money. Oh well, we all have to have Car Ins. Well some of us have Ins. Midge528, you made a good point! I just had to get that off my chest, LOL.

[OhioBuckeye]

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...........:boxing2:

Nope, never had an ambassador ask me to let someone ride with me, unless she's younger than 50 yrs. old.

[OhioBuckeye]

You know I think about everybody drives carts to fast. My cart top end speed is about 19 m.p.h. maybe 20 or 21, but I normally try to drive about 17 m.p.h. But everyone that comes up behind me, even if I'm driving 20 m.p.h. will pass me with no trouble, why, is everybody in that big of a hurry. Just leave to get to your tee time a little earlier or they're in a hurry to get home so they can flop down on the Lazy Boy. To me the police aren't watching for the speeders close enough, I don't think they want to stir the pot to much to bring attention to the Villages. Cart Ins. is just a money maker for someone & everyone is convinced they absolutely need it. Well I guess you better be safe than sorry. Just slow down!

[noslices1]

If you are playing a championship golf course, they normally only allow two golf carts per group. If you have a foursome, then two people must ride in each cart. If you have a threesome, and someone Joins your group to make a foursome, then one of you must ride in another person's cart.

[ColdNoMore]

If you are playing a championship golf course, they normally only allow two golf carts per group. If you have a foursome, then two people must ride in each cart. If you have a threesome, and someone Joins your group to make a foursome, then one of you must ride in another person's cart.

Or if you insist on driving your own cart as a third one for the foursome, they tell you that you (or one of the carts) must stay on the cart path.

This is actually more accommodating than most other courses in the US, where if you show up as a single and are put with a threesome...they only allow two rental carts out period.

So you either throw on with a stranger...or walk. :shrug:

[Talk2Pete]

Unfortunately no one has addressed the implications of altering a golf cart so that it travels faster than the 19 mph which legally defines it as a golf cart.

[Talk2Pete]

And modified golf car is probably a good reason for the insurance company to decline a claim. Worse yet, and modified golf cart that goes faster than the 19 mile an hour limit is probably a factor in In a liability lawsuit

[dbussone]

Unfortunately no one has addressed the implications of altering a golf cart so that it travels faster than the 19 mph which legally defines it as a golf cart.



I bought my cart new in one of TV's golf cart stores. I have them service it, and I've not altered it. So I'm not going to lose any sleep over it. I do know it is one expensive ticket though.


Sent from my iPad using Tapatalk

[CPOA Cleveland]

I'm just reviving an old thread with no apparent answers. As a homeowner who rents out our home 4/5 months in the winter, we want to include our golf cart for the renters to drive. I am striking out looking for an insurer who will write a policy for renters?

I cannot believe with hundreds, possibly thousands of people renting out their homes and villas that they just give their golf carts to the renters with no insurance?? Once bad accident could bankrupt you??

Anybody know of any insurance company that has policies for renters-------one old answer on here from a few years ago mentions All State but that anwswer is 5 years old??

Thanks

[CPOA Cleveland]

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.

OK, I bought my home in 2014 and just started cart for renter and have struck out with multiple insurance companies so far. Maybe I will try All State but this is older post I am quoting.

If anybody knows of ANY INSURANCE COMPANY that will provide insurance for a seasonal renter please reply Thanks.

[CPOA Cleveland]

I am a newer home owner in The Villages and have a couple renters coming soon. I want to include my golf cart in the rent (the lease was written up that way) I had no idea it would be so difficult to find insurance for a renter to be able to drive my golf cart???

I would think with all the hundreds(maybe thousands) of people who let renters drive their golf cart there would be some type of insurance available? Is everybody honestly letting others drive their carts at their own risk????

[kkaiser1213]

We are coming for a lifestyle visit in 2 weeks. TV offers a golf cart for our use. I know that we must sign a waiver of some sort indicating we would be responsible for any damage to the cart. However, what if someone walks out in front of the cart while on a MMP and we bump into them? Are we insured? We currently live in Ohio and State Farm has been very vague concerning whether our homeowners liability would cover us. They want to know if the "owners" (the developer??) has base coverage on the cart.

Any thoughts on this? Can you use a cart that belongs to someone else without insurance? Who would pay if an injury to another party occurred?

[jimburley]

Can anyone recommend Golf Cart insurance that covers all of the above issues and includes PIP and personal liability that can be used to rent out house and cart.

[bobnyce]

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.

Jeanette

My experience is that the Umbrella only covers property already insured by other coverage - thus it is an Umbrella over you!

[retiredguy123]

In the OP, it says:

"uninsured/underinsured motorist coverage is utilized very often to pay medical bills, lost wages, and to compensate for pain and aggravation."

I don't think that is true in The Villages. If you are on Medicare or have good medical insurance, you don't need vehicle insurance to pay for medical bills. If I am injured, I don't want an auto insurance company deciding how my injuries are to be treated and who treats them. If you are retired, you don't have any wages to lose. And, who wants to sue your own insurance company for pain and aggravation? If someone else is injured and it is your fault, your liability coverage will kick in, not uninsured motorist insurance. In Florida, uninsured motorist insurance is optional, unlike many other states. I evaluated the cost of the uninsured motorist insurance and decided to not pay for it, but I do have a high limit for liability coverage. It can save a few hundred dollars on your auto policy. Something to consider.

[Bogie Shooter]

Since OP was 11 years ago......this thread should have been left in the dead pile.

[Pairadocs]

Many of us use our personal golf carts while playing the Villages golf courses. It is often the case that we are instructed / compelled by the 'Ambassadors' to allow a guest to share our cart. I have previously inquired with the Villages as to any liability in case someone then riding in the cart suffered an injury. The Village's attorneys 'refused' to respond. "Drive carefully."

Are we shocked ? ? LOL..... that The Villages would NOT respond..... LOL ! Sounds like when I (female, husband was not present) was ORDERED by an "ambassador" (do NOT say "marshal") to allow a male smoking a cigar to share MY cart. I refused, the "ambassador" insisted "if you want to play at your reserved time", I declined and went home. Then decided to go to the golf office where I inquired about this "policy" of sharing a personal cart. I was told they would "speak" to the ambassador I named. That was it, no explanation. I do not think they would in any way be concerned if someone was injured in YOUR cart, not at all. I wonder with the Covid raging, if they continue to order people into your private cart rather you are comfortable with that or not ? I now just say, "no, I'll just leave", it's better than the way some of them argue.... next day make a reservation and you may get a different result. I was told under NO circumstances can there EVER be 4 carts in a group..... on other courses right here, I see it ALL THE TIME. Left hand has no idea what the right hand is doing, they make it up on the fly. Like all businesses, some really logical, rational, very gracious and friendly "ambassadors" and others are there only to feel "important" and in charge. Life's too short to argue with these people is my attitude.

[stanley]

I wonder with the Covid raging, if they continue to order people into your private cart rather you are comfortable with that or not ? I now just say, "no, I'll just leave", it's better than the way some of them argue.... next day make a reservation and you may get a different result. I was told under NO circumstances can there EVER be 4 carts in a group..... on other courses right here, I see it ALL THE TIME..

:ohdear::ohdear: My God man! You can still have four carts per foursome! Any course here in The Villages.

This is requested and recommended. "We" see it all the time!
https://www.golfthevillages.com/whatsnew/Pairup.pdf

[SharonW]

Many of us use our personal golf carts while playing the Villages golf courses. It is often the case that we are instructed / compelled by the 'Ambassadors' to allow a guest to share our cart. I have previously inquired with the Villages as to any liability in case someone then riding in the cart suffered an injury. The Village's attorneys 'refused' to respond. "Drive carefully."

Always include this coverage

[Topspinmo]

Since OP was 11 years ago......this thread should have been left in the dead pile.

I’m amazed it wasn’t closed. I thought the great fubar was reincarnated until till I looked at dates, I miss his posts.

[bilcon]

First of all, the ambassador would not tell you to share carts. Before Covid-19, it was common practice for the STARTER on championship courses to tell you to have 2 to a cart (share), so they could lessen the cart traffic. If you refused then you were told that one cart had to remain off the fairway on every hole. This was common practice. Most of the time, it was not a problem, but if the other driver was a smoker, there was no way I would share a cart with him/her. You were never refused or told you can't play. I don't know where that previous poster got his/her info. You could always ride alone, but it was discouraged. You have more chance getting hit by a golf ball than having an accident on the golf course in a golf cart.

[graciegirl]

Are we shocked ? ? LOL..... that The Villages would NOT respond..... LOL ! Sounds like when I (female, husband was not present) was ORDERED by an "ambassador" (do NOT say "marshal") to allow a male smoking a cigar to share MY cart. I refused, the "ambassador" insisted "if you want to play at your reserved time", I declined and went home. Then decided to go to the golf office where I inquired about this "policy" of sharing a personal cart. I was told they would "speak" to the ambassador I named. That was it, no explanation. I do not think they would in any way be concerned if someone was injured in YOUR cart, not at all. I wonder with the Covid raging, if they continue to order people into your private cart rather you are comfortable with that or not ? I now just say, "no, I'll just leave", it's better than the way some of them argue.... next day make a reservation and you may get a different result. I was told under NO circumstances can there EVER be 4 carts in a group..... on other courses right here, I see it ALL THE TIME. Left hand has no idea what the right hand is doing, they make it up on the fly. Like all businesses, some really logical, rational, very gracious and friendly "ambassadors" and others are there only to feel "important" and in charge. Life's too short to argue with these people is my attitude.

Usually. USUALLY. When there is no pandemic, the courses expect two in a cart. (To save wear and tear on the grass) If you are a long time golfer and a frequent golfer this makes sense. This place, The Villages, is run better than any other place I have ever lived. I think that the Ambassadors who are not called Marshalls, nor do they act like the ones most of us used to know, rarely point out infractions, The Ambassadors are following what seems to be the Morse's practice of trying NOT to boss people around. In all the years I had played golf here, I had NEVER met one who "tried to act "important and boss people around".

[SharonW]

Can anyone recommend Golf Cart insurance that covers all of the above issues and includes PIP and personal liability that can be used to rent out house and cart.

A golf cart is not classified as an auto but an off road vehicle in Florida. Personal Injury Protection is only offered on a vehicle classified as an auto.

To my knowledge only the owner of the golf cart can purchase insurance.