[CFrance]

Originally Posted by golfing eagles

An umbrella policy covers almost all personal liability (except for illegal and intentional acts) You must have certain underlying insurance such as auto, homeowners, watercraft, RV and business if applicable. Any liability judgment beyond the limits of the underlying coverage is covered by the umbrella. I just converted mine from NY to FL, and it is very reasonable, PM me if you want to know rate from TV insurance for what coverage. And, no, it DOES NOT cover failure to buy me lobster

Agree with having an umbrella policy. (Not about who buys whom a lobster...)

[dbussone]

Originally Posted by golfing eagles

An umbrella policy covers almost all personal liability (except for illegal and intentional acts) You must have certain underlying insurance such as auto, homeowners, watercraft, RV and business if applicable. Any liability judgment beyond the limits of the underlying coverage is covered by the umbrella. I just converted mine from NY to FL, and it is very reasonable, PM me if you want to know rate from TV insurance for what coverage. And, no, it DOES NOT cover failure to buy me lobster

What's an umbrella policy without coverage for your lobster?

[golfing eagles]

Originally Posted by CFrance

Agree with having an umbrella policy. (Not about who buys whom a lobster...)

But lobster is ALMOST as important.....almost

[kcrazorbackfan]

Originally Posted by spring_chicken

Totally understand the point of the post. However, I see WAY too many posts on this board where people are either bragging about suing someone and taking their house and all their money, or they're terrified of being sued and losing everything they have. People should educate themselves on the laws of the state before making such proclamations and giving bad advice.

One of the things I HATED THE MOST about living in southern Illinois for several years was that it was one of the most litigious states in the nation; people would sue over anything and one really had to watch EVERYTHING they did. It really concerns me of the inclination that several have here on TOTV to sue others "for everything they've got"; let me ask those people - would that really satisfy you? Be very careful of what you want to do because, God forbid you screw up and cause bodily harm to someone to where that "sue your pants off you and yours".

[MDLNB]

Originally Posted by graciegirl

I have a guardian angel and I am pretty sure she drinks. She was fine until we moved here. A lot of people who live here and know the layout have enough trouble driving here. Young, YOUNG, visitors almost always need a guide.

[pindaddy1]

Kids at 14 are all at different maturity levels. Grandparents are blinded by love of family and even though they can see that one is more mature than another grandchild, they usually won't say no to one and allowing another. Maybe we need to involve the community watch or some other Villages group to run a skills test for every 14 year old or older who does not have their drivers license before they can drive a cart. The child would then get a golf cart permit showing that they took the test and was successful. It should also include a class about cart safety. Hey, we have people to run a summer camp and I am sure that volunteers could be gotten easily to help with a serious safety problem. Any child 14 or over caught without this would result in grandparent being turned in to a Villages designated official to take action. The Villages officials can come after us for property violations like sheds, ornaments in the front yard, etc, etc. So don't think it can't be done. It's a matter of our community reps to see this as a real need.

Ever try to have your 14 or younger grandchild golf on the championship courses? Did you know that unless they meet with the golf pro and get a card giving them permission to play our championship courses, they can't. Amazing how some things require permission but a real safety concern is ignored!

All of you know that we had some seniors killed on cart just a short time back. You all see some seniors drive too fast, drive through stop signs and leave their turn signals on because they choose not to get a sound device on the blinkers. All hazards that we should know better also put your grandkids in peril.

It's not a question of when a child is killed, it when!

[graciegirl]

All good thoughts but when you get into people testing thousands of kids then that says a bundle of money. And WHO is going to police the results? Again, a bundle of money. NOBODY wants added expense.


The summer camp is a paid event and the people who work for the recreation department are paid to run it. The sheds and lawn ornaments we signed on the line and they are DEED restrictions. The Developers show no interest in throwing their weight around and bossing people on anything so I doubt very much they would enforce your idea.


This is a BIG place. A hundred thousand people have a BIG BUNCH of grandkids. The danger is real and the grandchildren are real and the enforcement lays right at the feet of their ancestors.

[Chatbrat]

Age is not a measure of maturity-I was in college when I was 15 1/2-what a lousy situation-couldn't drive or drink till I was 18--NY. Maturity comes with well directed experience. Without direction we don't mature. Look @ the state of a lot of youths in our big cities today.

[graciegirl]

Originally Posted by Chatbrat

Age is not a measure of maturity-I was in college when I was 15 1/2-what a lousy situation-couldn't drive or drink till I was 18--NY. Maturity comes with well directed experience. Without direction we don't mature. Look @ the state of a lot of youths in our big cities today.

You are at the top of my list of posters on this forum I would like to meet in person.

Originally Posted by MDLNB

Two of my grandchildren just visited and both drive four wheelers at home. One is 15 and one is 11. The younger one competes in dirt bike racing and even has a sponsor. But, I would not allow either to drive one of my two golf carts. These are not toys and joy riding is not a good thing in the villages. I see seniors running right through stop signs every/EVERY day. I am more worried about bad senior driving than my two grandchildren's driving, but I still value their lives. Why in the world would it be necessary for one of them to drive a golf cart here in the villages when visiting? Rarely would it be necessary where an adult would not be available to transport the child where it might need to go. Golf carts are not carnival rides. I am more than willing to drive my family where ever they wish to go. Even with my supervision, I don't allow them to drive here. I see no point in it, other for entertainment purposes. Where they come from, driver's Ed is required before they can get their driver's license. Down here in Florida, all they have to be is 14 to drive (a golf cart). It's not like they are running around on an open farm pasture. It's real life traffic and dangerous, even for adults. Probably the same folks that want to make it a legal requirement of seat belts in the golf cart are some of the violators allowing children to drive their carts.
I recently saw two young boys in my neighborhood, driving around in a golf cart and going nowhere, just driving. One was about 11 and the other was younger. They were by themselves and driving in the street by cars. Wonder how one of the residents would have felt if the child ran into his parked car and tore it up, even if the child was not also injured. Remember, even if you are not concerned for your family, there are other folks in the villages and they also have property.

Best post I've seen on this subject since I've been on TOTV !! Thank you for your input!!

[looneycat]

Originally Posted by Chatbrat

Age is not a measure of maturity-I was in college when I was 15 1/2-what a lousy situation-couldn't drive or drink till I was 18--NY. Maturity comes with well directed experience. Without direction we don't mature. Look @ the state of a lot of youths in our big cities today.

I agree with you to a point, you beat me by 6 months, I was 16 when I entered college, I went to NYU so buses and subway easily made up for no license (you couldn't find a place to park anyway). I grew up in the bronx and have returned many times...seeing quite a change over the years, but the state of a lot of youths in the city is exactly the same state their rural counterparts are in, the only difference is population density. When parental or other direction is used it makes those individuals stand out.