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Golf Cart Safety ǀ Golf Cart Accident Lawyer in The Villages®

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The Villages® Golf Cart Accident Lawyer Tim Babiarz explains the importance of golf cart safety and the many types of golf cart injuries that may occur.

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As the driver of a golf cart, you need to follow all traffic laws. These include not operating the vehicle while intoxicated or under the influence of illegal narcotics or prescription medications that may impair your ability to drive safely. It's also important to only use golf carts that are equipped with seatbelts. Also, don't leave the key in an unattended golf cart unless you want it stolen.

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Golf carts are a convenient way to get around even when you aren't playing 18-holes. In Florida, the warm, sunny climate makes these small vehicles a common sight on golf courses, recreational trails and campgrounds. Unfortunately, as with any motor vehicle, accidents can occur.

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Top Twelve Golf Cart Cases Handled by Tim Babiarz in Central FL

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The Villages Golf Cart Accident Attorney Tim Babiarz discusses the top twelve golf cart cases he's handled in his two-decades of experience.

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13710 N US Highway 441
Suite 100
The Villages, FL 32159

352-205-7599

http://www.babiarzlawfirm.com

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Golf Cart / LSV 101

Golf carts and Low Speed Vehicles (LSV), also called Neighborhood Electric Vehicles, must follow the same traffic laws as cars, including regulatory signs and the use of directional or hand signals when making turns. The operator of these vehicles can be issued a traffic citation just like you would when operating your automobile; these citations carry fines and points on your license.

Golf Cart Definitions & Requirements

A golf cart is defined as a motor vehicle that is designed for operation on a golf course or for sporting or recreation and is not capable of exceeding20 mph. While the operator of a golf cart does not have to be a licensed driver, the driver must be over 14 years or age. Many Villagers ask if they can modify their golf carts to exceed 20 mph and the answer is they cannot legally and there have been tickets issued to those who have been caught exceeding 20 mph.

LSV Definitions & Requirements

An LSV is defined as a four-wheel electric vehicle whose top speed is greater than 20 mph, but less than 25 mph. LSV may operate on the streets where the posted speed limit is 35 mph or less. LSV can also cross roads that have a speed limit greater than 35 mph. The operator of an LSV must be a licensed driver. LSV must have a registered license plate and be insured. The LSV must be equipped with at least the following safety equipment: Seat belts, a windshield, rear view mirror, horn, headlights, tail lights, stop lamps, side reflectors, a parking brake, turn signals and a VIN number.

Night Time or Low Light Driving

To operate at night or before sunrise your golf cart must be equipped with head lights, brake lights, turn signals, and reflective warning devices on the front and rear sides of the vehicle. Headlights should be used 30 minutes before sunset and 30 minutes after sunrise; headlights should always be used during inclement weather.

The Rules of the Road

Golf carts may not cross over or drive on highway 27/441, CR466, CR466A, Griffin Ave or any other road with a posted speed limit sign of 35 mph or higher. An LSV can be operated on a road whose speed limit is 35 mph or less. A golf cart can be operated on a state road that has been designated and marked for golf cart use. Golf carts must use the transportation multi-modal trails adjacent to El Camino Real, Buena Vista Boulevard, Morse Boulevard and CR466 & CR466A. These roadways can only be crossed in a golf cart by using the marked tunnels. The only exceptions are that golf carts can cross El Camino Real at the traffic light between Enrique Drive and Botello Ave. In addition, while golf carts are not permitted to travel on Rainey Trail. (CR472) they are permitted to cross between Lynnhaven and Miona Shores Drive. LSVs are permitted to travel on Rainey Trail since the speed limit is only 35 mph. On streets within The Villages, with a posted speed limit of 30 mph or less, golf carts should be driven in the marked diamond lanes or along the right-hand edge of the street if there is no marked lane.

Safety

Do not allow anyone to ride standing in the vehicle or on the back platform of the vehicle. Please keep your arms and legs inside the vehicle at all times for the safety of you and your passengers. When making a left turn, after signaling your intentions, carefully merge with vehicular traffic just prior to the intersection and turn using the proper signal and turn lane where available. Anywhere signage or road markings provide such direction; golf cart traffic should always merge with vehicular traffic. Golf carts should always yield to other vehicular traffic in all cases. Golf carts and LSV's are not permitted to travel on sidewalks.

Insurance

After purchasing a golf cart, one must decide if he/she is going to purchase golf cart insurance. Most people in The Villages drive traditional golf carts that top out at 20 mph and don't have to be registered or insured. Yet, that does not pertain to NEVs. NEVs are usually built to have a top speed of 25 miles per hour and have a maximum loaded weight of 3,000 lbs. They can be driven on roads where the speed limit does not exceed 35 mph (in The Villages, they can cross busy US highway 27/441). NEVs also fall under the United States Department of Transportation classification for "low-speed vehicles." Regardless of whether or not you required by law to have golf cart insurance, it is always a good idea that you do. So what type of golf cart insurance should you purchase? Should you add golf cart coverage to a homeowner's policy? Or should you buy a separate golf cart insurance policy? With a typical homeowner's policy, your medical costs are not covered. Similarly, if you cause an accident, your homeowner's policy may not cover third-party injuries and property damage. As a result, it is recommended that you purchase a separate golf cart insurance policy with the following coverages:

Medical Payments Coverage: This covers the necessary medical care you receive because of a golf cart accident;

Liability Coverage: This coverage is for third-party injuries and property damage as a result of a golf cart accident;

Collision Coverage: This covers your golf cart in the event of damage caused by a collision with other vehicles or objects, regardless of fault;

Other than Collision Coverage: This provides coverage for other damages such as theft, flood and vandalism; and

Uninsured Motorist Coverage: This coverage takes the place of liability coverage for the at-fault driver if he/she is uninsured/underinsured and provides you with an ability to make a recovery for outstanding medical bills, lost wages, pain and suffering and other damages.

Where to Purchase a Golf Cart

There are numerous new and used golf cart dealers around The Villages to choose from including ones owned directly by The Villages. The largest source for information on new and used golf carts is found at TalkofTheVillages

The Villages Homeowners' Association

These guidelines are provided by The Villages Homeowners' Association (VHA) for information purposes only and to help you enjoy using a golf cart and to help keep you and your love ones safe. Please remember that your golf cart was not designed to share a roadway with larger vehicles such as cars or trucks. In the event of a collision you have about as much protection as if you were riding a motorcycle. The insurance industry considers a golf cart an ATV (All Terrain Vehicle). For more information you should contact your local sheriff's department. For additional information on golf cart safety, watch this video or please plan to attend one of the Golf Cart Safety Clinics presented by The Villages Homeowners' Association.

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Golf Cart Requirements | The Villages Florida

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Golf carts and Low Speed Vehicles (LSV), also called Neighborhood Electric Vehicles, must follow the same traffic laws as cars, including regulatory signs and the use of directional or hand signals when making turns. The operator of these vehicles can be issued a traffic citation just like you would when operating your automobile; these citations carry fines and points on your license.

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GOLF CARTS

1. Where can a golf cart be operated on city streets?

2. When can a golf cart be operated?

3. How can you decrease risk of passenger ejection and/or rollover injury?

4. Are seat belts an option?

5. Can I modify my cart for use at a higher speed?

6. What are some of the major causes of injury in golf cart incidents?

7. Are golf cart brakes like automobile brakes?

8. What types of injuries are common in a golf cart incident?

9. What is the minimum age to operate a golf cart in The Villages?

10. Can you receive a traffic ticket in a golf cart?

11. Where can a golf cart/LSV be operated in The Villages?

12. How do you safely make a left turn?

LOW SPEED VEHICLES (LSVs)

1. What is a Low Speed Vehicle (LSV)?

2. Who can operate a low speed vehicle?

3. What are licensing requirements for low speed vehicles?

4. What are insurance requirements for low speed vehicles?

5. What safety equipment is required on a low speed vehicle?

6. What is the age limit for operating a Low Speed Vehicle (LSV)?

7. Does an LSV have to be registered and insured?

8. What is the difference between a golf cart and a Low Speed Vehicle?

9. Can you operate a golf cart or LSV at night or in low light?

GOLF CARTS Q&A #1

Where can a golf cart be operated on city streets?

Section 316.212 Fla. Stat. governs time and circumstances under which golf carts can be operated on roadways:

1. Can be operated on a state road that has been designed for golf cart use.

2. To cross a portion of a county road which intersects a roadway that is approved for golf carts, or that intersects a golf course or mobile home park. In both examples the roadway should have signs posted that golf carts share the roadway.

GOLF CARTS Q&A #2

When can a golf cart be operated?

Florida law states that golf carts can only be operated during the hours between sunrise and sunset, unless night driving is authorized by the local government.

If night driving is allowed, then golf carts must be equipped with headlights, taillights, brake lights, turn signals, and a windshield. The statute also requires the golf cart have efficient brakes, reliable steering, safe tires, a rear view mirror, and reflective warning devices on the front, rear and both sides of the golf cart.

GOLF CARTS Q&A #3

How can you decrease risk of passenger ejection and/or rollover injury?

Avoid sharp turns at high speed. The use of seat belts is also encouraged. Additionally, the use of hand hold bars on either the side of the seat and/or side of the roof can help prevent passenger ejection.

GOLF CARTS Q&A #4

Are seat belts an option?

Yes, although many golf carts are not equipped with seatbelts, it is possible to add seat belts to an existing cart. Check with a qualified dealer or mechanic if your cart does not have a seat belt to have them professionally installed.

GOLF CARTS Q&A #5

Can I modify my cart for use at a higher speed?

Although it is possible to modify a gasoline-powered golf cart through its speed governor to go faster, it is not recommended and is unlawful. By law, golf carts are only allowed to operate at a top speed of 20 mph or less. You could risk a traffic citation for operating a motor vehicle without registration. Additionally, your insurance company might decide to deny paying for damage you cause if you modify your golf cart. Manufacturers generally design golf carts for use at speeds of less than twenty (20) miles per hour. Any additional speed can increase the risk of rollover or vehicle instability, especially during a sharp turn.

GOLF CARTS Q&A #6

What are some of the major causes of injury in golf cart incidents?

In an article entitled "Golf Cart-Related Injuries in the U.S.," the author Daniel S. Watson identified the following:

1. Cart overturn

2. Falling/jumping from a moving golf cart

3. Collision with another stationary object

4. Being hit or run over by a golf cart

5. Injury getting into or out of a golf cart; or

6. Injury to a protruding limb. 1

GOLF CARTS Q&A #7

Are golf cart brakes like automobile brakes?

Typically, there are some differences. Golf carts ordinarily have brakes only on the rear wheels. As K. J. Seluga noted in the article "Braking Hazards of Golf Carts and Low Speed Vehicles,"2 "Rear wheel only brake designs lead to rear tire skidding and reduce your stability, creating the potential for a cart to easily "fishtail" when the brakes are applied hard. Furthermore, the reduced effectiveness of the brakes on a downhill slope can lead the cart driver to falsely perceive a brake failure, causing him to press harder on the brake pedal leading to a locking of the braked wheels and an out of control skid."

GOLF CARTS Q&A #8

What types of injuries are common in a golf cart incident?

The most common injuries involve sprains and strains which often require medical attention. Fractures of the extremities (arms and hands, legs and feet) are also common, as are lacerations (cuts). Less common, but even more serious are head injuries, especially involving loss of consciousness and/or subdural bleeding, spinal cord injury or acute respiratory injury. The most serious injuries often involve vehicle rollover incidents. See Watson, Daniel S. et al. "Golf Cart Related Injuries in the U.S." American Journal of Preventive Medicine 35 (2009): 55-59; and Kelly, E. G. "Major Injuries Occurring During Use of a Golf Cart," South Hill Orthopaedic Surgery Associates, Pittsburg, 1996. 519-21.

GOLF CARTS Q&A #9

What is the minimum age to operate a golf cart in The Villages?

Drivers must be at least 14 years of age under Florida law. 3 Therefore, a golf cart driver is not required by Florida law to be a licensed driver, but it is nonetheless a good idea. In addition to being of age, drivers are also charged with knowing the rules of the road.

GOLF CARTS Q&A #10

Can you receive a traffic ticket in a golf cart?

Yes, traffic laws apply to golf carts in much the same way as they do to automobiles. For example, you can get the same driving under the influence (DUI) citation under Section 316.193, Fla. Stat. The golf cart driver also can be cited for other traffic violations, such as running a stop sign or failure to yield, etc. These citations can result in fines and points against your license.

GOLF CARTS Q&A #11

Where can a golf cart/LSV be operated in The Villages?

The following information is provided by The Villages Homeowners' Association in its brochure entitled "Golf Cart and Low Speed Vehicle Safety Guidelines In and Around The Villages":

The Rules of the Road:

Golf carts may not cross over or drive on Highway 27/441, CR 466, CR 466A, Griffin Avenue or any other road with a posted speed limit of 35 mph or higher. LSVs can be operated on a road whose speed limit is 35 mph or less. A golf cart can be operated on a state road that has been designated and marked for golf cart use.

Golf carts must use the transportation multi-modal trails adjacent to El Camino Real, Buena Vista Boulevard, Morse Boulevard and CR 466 & CR 466A. These roadways can only be crossed in a golf cart by using the marked tunnels. The only exceptions are that golf carts can cross El Camino Real at the traffic light between Enrique Drive and Botello Avenue. In addition, while golf carts are not permitted to travel on Rainey Trail (CR 472) they are permitted to cross between Lynnhaven and Miona Shores Drive. LSVs are permitted to travel on Rainey Trail since the speed limit is 35 mph.

On Streets within The Villages, with a posted speed limit of 30 mph or less, golf carts should be driven in the marked diamond lanes or along the right-hand edge of the street if there is no marked lane.

These guidelines are provided by the Villages Homeowners Association (VHA) for information purposes only and to help you enjoy using a golf cart and to help keep you and your loved ones safe. Please remember that your golf cart was not designed to share a roadway with larger vehicles such as cars or trucks. In the event of a collision you have about as much protection as if you were riding a motorcycle.

A golf cart is defined as a motor vehicle that is designed for operation on a golf course or for sporting or recreation and is not capable of exceeding 20 mph. While the operator of a golf cart does not have to be a licensed driver, the driver must be over 14 years of age.

A LSV is defined as a four-wheel electric vehicle whose top speed is greater than 20 mph, but less than 25 mph. LSVs may operate on streets where the posted limit is 35 mph or less. LSVs can also cross roads that have a speed limit greater than 35 mph.

The National Highway Transportation Safety Administration (NHTSA) and FMVSS standards for LSVs require headlights, taillights, front and rear turn signals, stop lights, reflex reflectors, driver's side mirror and a passenger side rear view mirror or interior rear view mirror, parking brake, windshield, a VIN number and seatbelts. ⁴

Under Florida law, Section 316.212 Fla. Stat. allows golf carts to be operated on public roads only if the roads are designated for use by golf carts. Further, golf carts cannot be operated by persons under fourteen (14) years of age.

LSV use in Florida on public roads is governed by Section 316.2122, Fla. Stat. This section does not require any designation of the road for use by LSVs. However, LSVs may only be operated on roadways with a posted speed of less than 35 mph. LSV operators must have a valid driver's license and the LSV must be licensed and insured pursuant to Section 320.02, Fla. Stat.

GOLF CARTS Q&A #12

How do you safely make a left turn?

The Villages Homeowners Association's Safety Guidelines suggest:

When making a left turn, after signaling your intention, carefully merge with vehicular traffic just prior to the intersection and turn using the proper signal and turn lane where available. If signage or road markings provide such direction golf cart traffic should also merge with vehicular traffic. Golf carts should yield to other vehicular traffic in all cases.

LOW SPEED VEHICLES (LSVs) Q&A #1

What is a Low Speed Vehicle (LSV)?

Low Speed Vehicle is defined as a four wheeled electric vehicle whose top speed is greater than 20 mph, but less than 25 mph.

Section 316.2122 Fla. Stat. states that a low speed vehicle may operate on streets where the posted speed limit is 35 mph or less. The vehicle can also cross intersecting roadways where the speed is greater than 35 mph.

LOW SPEED VEHICLES (LSVs) Q&A #2

Who can operate a low speed vehicle?

The operator of a low speed vehicle must be a licensed driver.

LOW SPEED VEHICLES (LSVs) Q&A #3

What are licensing requirements for low speed vehicles?

A low speed vehicle must have a registered license plate.

LOW SPEED VEHICLES (LSVs) Q&A #4

What are insurance requirements for low speed vehicles?

In addition to having a valid license plate and registration, a LSV must be insured. Florida law requires PIP or No-Fault coverage at a minimum. We strongly recommend Bodily Injury (BI), Uninsured Motorist (UM), and Medical Payments (MedPay) coverages. See our article on Insurance For Golf Carts and Low Speed Vehicles in this website.

LOW SPEED VEHICLES (LSVs) Q&A #5

What safety equipment is required on a low speed vehicle?

Any low speed vehicle must be equipped with standard safety equipment.

NHTSA requires these components: headlights, taillights, stoplights, front and rear turn signals, reflectors, parking brakes, rearview mirrors, windshields, safety belts, and vehicle identification numbers. Significantly, NHTSA does not require LSVs to have airbags, or other safety features beyond seatbelts since they are intended for low risk driving.

LOW SPEED VEHICLES (LSVs) Q&A #6

What is the age limit for operating a Low Speed Vehicle (LSV)?

The operator of an LSV must be a licensed driver (At least 16 years old in Florida).

LOW SPEED VEHICLES (LSVs) Q&A #7

Does an LSV have to be registered and insured?

Yes, an LSV must have a registered license plate and must be insured.

LOW SPEED VEHICLES (LSVs) Q&A #8

What is the difference between a golf cart and a Low Speed Vehicle?

Primarily, a golf cart is designed with a top speed of twenty miles per hour or less, while a Low Speed Vehicle is defined as a four wheeled electric vehicle whose top speed is greater than 20 mph, but less than 25 mph. Golf carts that can go over 20 mph because of their original equipment or due to post-sale modifications are considered LSVs.

LOW SPEED VEHICLES (LSVs) Q&A #9

Can you operate a golf cart or LSV at night or in low light?

To operate a golf cart or LSV at night or in low light, your golf cart or LSV must be equipped with headlights, brake lights, turn signals and reflective warning devices on the front and rear side of the vehicle. Headlights are recommended between 30 minutes before sunset and 30 minutes after sunrise and should be used in inclement weather and other low light conditions. 5

1. 1 "Golf Cart-Related Injuries in the U.S., " Daniel S. Watson, American Journal of Preventive Medicine, 2008; Volume 35, Issue 1, P. 55-59, July, 2008.

2. 2 "Braking Hazards of Golf Cars and Low Speed Vehicles," K. J. Seluga, Accident Analysis & Prevention, Volume 38, Issue 6, November, 2006, pages 1151-1156.

3. 3 Section 316.212 (7), Fla. Stat.

4. 4 Federal Motor Vehicle Safety Standards (FMVSS) 571.500.

5. 5 Section 316.212 (5), Fla. Stat.

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Where can a golf cart be operated on city streets? When can a golf cart be operated? How can you decrease risk of passenger ejection and/or rollover injury? Are seat belts an option? Can I modify my cart for use at a higher speed?

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Golf carts are an increasingly popular way to get around, especially in places like Florida where the weather makes carting an option almost the entire year around. In The Villages and other communities across the Sunshine State, carts may even be the most common way for many people to get from Point A to Point B.

Like other vehicles, golf carts come with some risk. Golf cart accidents can and do happen, whether it is a relatively minor fender bender or a multi-car pileup. Fortunately, there are a number of safety steps that golf cart owners can take to protect themselves and their passengers on the road. There are also some things that golf cart owners can do to make sure that they are protected in the event of a crash.

Anyone who drives a golf cart in Florida is well advised to insure the vehicle first. That is because the way state law treats these vehicles makes owners susceptible to potentially large judgments in the event that they are involved in a crash.

Golf cart crashes can come with tens of thousands of dollars in property damage and medical bills. A golf cart owner whose vehicle is involved in an accident in Florida will not have an insurance policy to cover the costs of the accident unless he or she obtains a policy that specifically covers the cart.

Golf carts are not generally considered "motor vehicles" under Florida law because they don't require a license to drive. That means carts generally are not covered by the Personal Injury Protection coverage that all Floridians are required to have on their vehicles or by other automobile insurance policies.

Generally, a golf cart driver who is involved in a crash may be legally liable for any property or physical injuries caused as a result, if the driver is deemed negligent. State negligence law requires drivers to operate their vehicles in a reasonably safe manner and considers them responsible for any harm caused by failing to live up to this responsibility.

What many golf cart owners may not understand is that they can be sued for accidents involving their vehicles even if the owner was nowhere near the cart at the time of the crash. That is because a golf cart is considered a "dangerous instrumentality" under state law. That makes the owner responsible for accidents caused by anyone using the cart with his or her permission.

The good news is that many homeowners and other insurance providers often offer golf cart owners to insure their vehicles as an addition to those policies. Make sure you fully understand the terms of your policy.

In golf carting, as in life, it is best to be proactive. That means taking steps now to ensure that you are protected if an accident happens later down the road.

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Golf carts are an increasingly popular way to get around, especially in places like Florida where the weather makes carting an option almost the entire year around. In The Villages and other communities across the Sunshine State, carts may even be the most common way for many people to get from Point A to Point B.

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4 Ways Villages Golf Cart Drivers Can Protect Themselves

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4 Ways Villages Golf Cart Drivers Can Protect Themselves

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4 Ways Villages Golf Cart Drivers Can Protect Themselves

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Golf carts are not just the primary mode of transportation for many Floridians. For some, using a cart to get from Point A to Point B is a way of life.The sa…

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Golf Cart Buyer's Guide: How To Choose The Right Golf Cart

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Golf Cart Buyer's Guide: How To Choose The Right Golf Cart

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Golf Cart Buyer’s Guide: How To Choose The Right Golf Cart

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Navigate the fairways with ease! Discover expert tips on selecting the perfect golf cart for your game. Drive in style with VIP Golf Cart.

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GOLF CART ACCIDENTS AND INJURIES IN FLORIDA: HOW A VILLAGES GOLF CART ACCIDENT ATTORNEY CAN HELP

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GOLF CART ACCIDENTS AND INJURIES IN FLORIDA: HOW A VILLAGES GOLF CART ACCIDENT ATTORNEY CAN HELP

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Golf Cart Accidents and Injuries in Florida: How a Villages Golf Cart Accident Attorney Can Help

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The growing popularity of golf carts has led to an increase in related accidents and injuries. Understanding the nature of these incidents and the role of a Villages golf cart accident attorney can be crucial.

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Golf Cart safety a big push for 2024 spring break

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Golf Cart safety a big push for 2024 spring break

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SANTA ROSA BEACH, Fla. ( WMBB) - Golf carts are a popular mode of transportation for Spring Breakers.

That's led to a lot of injuries or tickets for people who don't follow the laws on Walton County roadways.

Walton County Deputy Chris Webster said he pulls over nearly 30 golf carts a day along 30A during Spring Break.

"Mainly seatbelts and how they're driving. If there's drinks in their hands and if they're driving carelessly or dangerously, of course, these things will tip over in a minute," Deputy Webster said.

Webster said he hardly writes a ticket unless they are repeat offenders. Instead, his biggest mission is to educate visitors to prevent any accidents.

"A lot of warnings go out because we want them just to comply and be safe and go home with great memories," Webster said.

At Ascension Sacred Heart Emerald Coast Hospital, doctors are seeing injuries from passengers falling off or being ejected from low-speed vehicles.

"Very frequently people are not wearing their seat belts. And so when you're ejected from those things, you can see all sorts of trauma from head injuries to collapse like collapsed lungs or, you know, other bony injuries of arms and legs," Dr. Peter Hanna, a pediatrician said.

Dr. Hanna says children are most at-risk.

"Particularly because of their small size and the fact that many of them are riding on family member's laps. So they are at higher risk of being ejected from the vehicle. And so just, you know, prevent the injury from happening in the first place by having them properly restrained in the golf carts," Dr. Hanna said.

Webster said spring break crowds come in waves with a majority of the traffic stops happening Saturday through Monday. He said most golf cart drivers will follow the rules by the end of the week before a new batch of visitors comes to town.

To learn about Walton County's LSV laws, click here.

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Golf Cart safety a big push for 2024 spring break

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SANTA ROSA BEACH, Fla. (WMBB) - Golf carts are a popular mode of transportation for Spring Breakers. That's led to a lot of injuries or tickets for people who don't follow the laws on Walton County roadways. Walton County Deputy Chris Webster said he pulls over nearly 30 golf carts a day along 30A during Spring [...]

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Villages Sees String of Drunk Golf Carting Incidents

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Villages Sees String of Drunk Golf Carting Incidents

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Villages Sees String of Drunk Golf Carting Incidents

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Over 800 people are killed every year in Florida in vehicle accidents involving alcohol-impaired drivers. Two men were arrested and another lost his license.