If you dont have or think you need golf cart insurance, think again
 

A Villager is suing the driver of a golf cart who allegedly crashed into another golf cart, causing the vehicle to strike her while she was standing nearby.

Attorneys from Morgan & Morgan filed the lawsuit on behalf of Laurinda Beaver against Rosemary and Steven Ray Pratt in the fifth judicial circuit court for Sumter County on Oct. 12.

According to the complaint, Beaver, who lives at 5853 Julian Loop, was standing outside of a golf cart that was parked at or near a location along Marsh Bend Trail on Sept. 11, 2022.

Beaver says that Steven Pratt was “negligently” driving a golf cart registered in his wife’s name when he “collided with another golf cart.”
The alleged collision caused the stationary golf cart to strike Beaver.

As a result of the strike, Beaver claims she suffered “bodily injury and resulting pain and suffering.” Her attorneys claim she has incurred expenses from “hospitalization” and “medical and nursing care,” as well as a loss of earnings, loss of “ability to earn money,” and the “aggravation of a previously existing condition,” according to the complaint.

Beaver is seeking damages “in excess of $50,000” and is requesting a “trial by jury,” according to the complaint.

According to the court docket, summons have been issued to both Steven and Rosemary Pratt. No additional filings have been made in the case as of Oct. 13.

Why would anyone think that they shouldn’t have golf cart insurance unless they had enough money to self insure? Golf cart insurance is relatively cheap compared to homeowners or car insurance.

I just renewed ours at $135. . . cheap along with umbrella liability at $3M at $400-500 per year. . .

Golf carts are relatively cheap compared to homes or cars. Homeowners insurance is often required and car insurance is almost always required but golf cart insurance is not required.

On the other hand, lawsuits are plentiful, especially in Florida.

By all means! Everyone must acquire some deep pockets for Morgan and Morgan to fleece! Why, do you know, there are Florida attorneys so poor they can barely afford their 3rd home!

How much you wanna bet the guy driving that cart had insurance? Lawyers don't take a case unless there is a deep pocket to pick.

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.

Just so I understand, your sincerely held belief is that if you are hit by a golf cart or an automobile, and you are injured, hospitalized, etc... you don't think the person who hit you should be held responsible?

And if I am misunderstanding your screed, and you do think you would want the person who injured you to be responsible, because you apparently dislike lawyers, you would represent yourself or knock on the driver's home door asking for a check? Or maybe you'd in fact hire a lawyer but certainly not a lawyer with experience and a track record of representing injured people successfully.

There was just an argument that golf balls that some person hit into a house is the homeowner's responsibility. Based upon the homeowner should expect such things to happen necause they are near a golf course.

For giggles, apply that argument to this thread. The injured person should assume all liability because the cart path was there first. Standing anywhere near a cart path could likely became a dangerous thing because there are so many carts being driven by old people with diminished skills.

Both of these are using the same logic. Either both are right, or both are wrong.

over\under = 200 posts

Lawsuit boilerplate. Thousands of similar suits filed every day. Your cart policy could still be inadequate. Publix has been experiencing a few of these.

If I am hit by a golf cart or an automobile and am injured, hospitalized, etc then yes, the person who hit me should be held responsible. Unfortunately, many believe if they are withing shouting distance of an accident then they should be able to collect as well... and there are lawyers who will help them try.

We don't know any of the pertinent details in this case to know whether the claim is legitimate or not. It really is a shame that the number of frivolous claims has made us skeptical.

Just for giggles, apply this argument:

Florida laws regarding motor vehicle accidents are different from those governing a stray golf ball onto an adjacent property when the golf course was there first. Vastly different.

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.

When did golf carts become a registered unit, Wife named) as stated in OPs thread.

Allstate 250 indiv and 500 total less than 75

Was she parked illegally? Might be counter suit?:shocked: lawyers do what lawyer do. :)