Have your children rent the cart on their own then you do not have the liability.

Florida's Dangerous Instrumentality laws apply.


Vehicle Ownership and Florida's Dangerous Instrumentality Doctrine — Florida Injury Attorney Blawg — June 8, 2012


Golf Cart Injury and Accident Claims in Florida

I'd highly recommend a conversation with your agent before taking this advice. It is completely contrary to what my insurance agent told me.

I question if umbrella policy will cover golf cart liability. For my umbrella it only kicks in after the primary coverage is exhausted. With a rented cart there is no primary policy, so does umbrella respond at $1, no. You may be able to get a rider on umbrella, but you’re going to have to come up with what uou will pay first.

My brother uses Progressive Insurance for short term golf cart rental!

I am currently with Progressive and they won't cover me.
I also called Foremost and they won't cover it because it is rented.

You need to be the owner of the golf cart to get their insurance.

I can't believe all the wrong answers to this simple question. According to The Villages Insurance "about one half of all Golf Carts being driven around the Villages DO NOT have liability insurance because it isn't available to renters." There are what, about 55,000 Carts here? That sure makes for a huge problem.

I’m a retired auto claims manager - Most auto have fairly similar and standard definitions of what constitutes a “vehicle” - it must be licensed for use on public roads and highways. That excludes most golf carts. So unlike when you rent a car, and your insurance transfers to the rental (as long as you are driving the rental at time of loss), the same does NOT hold true for a golf cart rental, that is not licensed to be driven legally on public roads. Your claim would be denied.

bingo

you are exactly where I was 4 years ago, except that I had pretty much made the decision that I would be spending at least 3 or 4 months per year in TV. DW and I had not decided yet to buy a place, because we had not decided if we'd be here the 6 or 7 months/year that tipped the scales decidedly towards the financial sense of buying vs. renting.

I figured that if I bought, and decided a few years later this wasn't for me, I'd sell the cart, and the difference in cost probably wouldn't be any worse than renting a cart multiple times. If you are only here for a couple of weeks, you are probably better off, (safer financially, anyway) by just foregoing the "cart experience" associated with being in TV. Which is a shame, because it is, IMO, a really fun part of being here.

I never did a TV sponsored "Lifestyle Visit". I wonder how they handle it. I've always assumed that the "Lifestylers" have a cart at their disposal so they would get the full feel of the lifestyle, and be ever thus more inclined to drink the Kool-Aid.

When we first bought we rented our place out. Bought progressive insurance online and I could list our renter on the insurance policy. That way we were all covered

On a lifestyle visit TV makes you sign a liability waiver. You assume all responsibility for driving the cart.

that's interesting. I hadn't really thought about it until I got into this thread. I was thinking that with all of the financial clout the developer has, and their interest in promoting TV, they'd have found a way to insure the lifestylers, just to avoid that one sliver of negativity.

This is because you do not own the cart.
I would never rent from someone who does not insure their cart.