Villages Info

 

Item Golf Cart Rental
Date Posted 22-Dec-2014

 

There are many sources in/around The Villages from which you can rent a golf cart.  Regardless of where you rent a cart, you will be well advised to check on insurance, particularly liability insurance.  Most cart rental establishments will tell you that your homeowners insurance will cover a cart rental --not true.  Your homeowners insurance will cover any golf cart you own, but not one that you rent.  When investigated earlier this year:

  • no establishment that rents carts (a half dozen were contacted) would provide insurance

  • no insurance company that writes home owners insurance locally  (a half dozen were contacted) will cover a rented golf car

  • no insurance company that writes automobile insurance locally  (a half dozen were contacted) will cover a rented golf cart

Florida is an unusual state regarding required coverage for motor vehicles.  Only automobiles require liability insurance.  Motor cycles do not nor do the various forms of "low speed vehicles".  Even that is misleading as a fair fraction of the automobiles on FL roads have no insurance.  That may be OK if you have nothing to loose. 

But a retiree has a lot to loose.  If you rent a golf cart and it is involved in an accident and someone is hurt, you could be facing substantial financial penalties.