A great many Surprise households own a golf cart and use it as transport. Whether it is insured, and by what, depends on where it is driven and how fast it goes.
A cart on a private path and a cart on a public street are different legal and insurance propositions.
Three things about a vehicle that is not quite a car.
A cart used only on private community paths may fall under a homeowners policy with limited liability. The moment it is driven on a public street it looks like a motor vehicle, and homeowners forms exclude motor vehicle liability away from the premises. Communities designed around cart travel put a great many of them onto public roads routinely.
Purpose-built low-speed vehicles capable of higher speeds are treated differently again and generally require registration and an auto policy. Owners frequently cannot say which category their cart falls into, and the categories have different obligations.
Carts have no restraints, no structure and no doors, and a low-speed fall from one causes real injuries, particularly to older passengers. The claim size has nothing to do with the speed involved.
The cart as well as the cars.
Public street use is the question that decides which policy applies.
Different categories, different registration and insurance obligations.
Guests and grandchildren are where the liability claims come from.
Tell us whether the cart ever leaves the community and how many it seats.
We place the cart properly instead of hoping the homeowners policy reaches it.
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