As of October 2023, Florida has implemented new laws regarding the operation of golf carts, significantly changing the requirements for drivers. At Warner & Fitzmartin, we believe it’s crucial for you to understand these changes to ensure your safety and legal compliance while driving a golf cart.

New ID Requirements:

If you are under 18 and operating a golf cart on public roads, you must now carry either a driver’s license or a learner’s permit. For those over 18, you’re required to carry some form of government-issued identification. This change aims to enhance safety and accountability among golf cart drivers, making sure that everyone on the road can be properly identified.

Insurance Considerations:

Although the new law mandates ID requirements, it doesn’t require golf cart owners to carry insurance. This is a critical oversight, and we strongly recommend that you consider obtaining golf cart insurance. Many are surprised to learn that the annual premiums for golf cart insurance are roughly equivalent to a single month’s auto insurance payment. This minor expense can provide significant protection, covering potential accidents and liabilities that your auto insurance won’t.

Auto Insurance Gaps:

It’s essential to note that your auto insurance will not cover incidents involving golf carts. This includes Personal Injury Protection (PIP) benefits and liability coverage. If you or a family member causes an accident with a golf cart, you could be left financially exposed without appropriate insurance. Golf cart accidents can result in severe injuries, especially if a collision with a motor vehicle occurs. Ensuring you have dedicated golf cart insurance can protect you from substantial medical expenses and legal liabilities.

Stay Protected:

If you frequently operate a golf cart or own one, it’s imperative to review these new laws and assess your insurance coverage. For more information or assistance, contact us at Warner & Fitzmartin. We’re here to help you navigate these legal changes and ensure you’re adequately protected. Give us a call today!