IS A GOLF CART SUBJECT TO FLORIDA NO-FAULT LAWS?
No in most circumstances, the average golf cart will not be required to carry No-Fault insurance. A Golfcart is not a motor vehicle subject to motor vehicle no-fault law, even a though golfcart is a “dangerous instrumentality” and its owner thus has generally vicarious liability for its permissive operation.
What this means is that part of the law regards a golf cart as a “dangerous instrument”—like a car—the other part of the law does not see the golf cart requiring No-Fault insurance. Since No-Fault insurance covers you if there is an incident, you may want to check whether your auto insurer makes No-Fault coverage available on your golf cart.
The foregoing information is not meant to be legal advice. Each situation is different. This is why you should call us and talk with us about your case. There is no cost to you to talk with us about your case.
WHAT IS A GOLF CART, AND WHAT ARE THE RULES?
- Legally speaking, Florida Statute 316.003(68) says that a “GolfCart” is: A motor vehicle designed and manufactured for operation on a golf course for sporting or recreational purposes. Also, Florida Statute 320.10 (22) says a: “Golfcart” means a motor vehicle that is designed and manufactured for operation on a golf course for sporting or recreational purposes and that is not capable of exceeding speeds of 20 miles per hour.
- What is the minimum age to operate a golf cart? Florida Statute 316.212 Operation of golfcarts on certain roadways says: A golfcart may not be operated on public roads or streets by any person under the age of 14.
- Is a driver’s license needed to operate a golf cart? Florida Statute 322.04(e)says that persons who operate a golf cart, as defined in F.S. 320.01 are exempt from needing a driver’s license to operate a golf cart.
- What if my golf cart can exceed 20 m.p,h.? Additional laws apply to this type of vehicle, including when and where it can operate. Further, if your golf cart can exceed 20 m.p.h., it may change which type of insurance applies to that vehicle. (i.e., auto insurance versus homeowner’s insurance)