Being a once-in-a-while golfer, I was interested in an article I received from CED Investigative Technologies concerning the rise in golf-cart accidents. According to the article, a local woman in Selma, Ind., died in a golf-cart accident that the coroner called an extremely tragic freak accident; and in Franklin, Tenn., a 15-year-old boy was killed and three other teens injured in a golf-cart crash. From personal experience, I can say that a good friend of ours had her shoulder shattered when she was hit by a golf cart while on the course.

Now, golf carts are supposed to be safe vehicles, even as we drive them without much concern all over the golf course (and off the golf path). But I doubt if there are many (if any) regulations on the safety or use of the carts. So, accidents and resulting injuries are going to occur, and the questions then arise: Who is responsible, and who is going to pay for the injury claims?

Read More FC&S Blog Posts at the Coverage Cafe

Suppose the golf-course owner is held responsible. Presumably, the owner has a General Liability policy or a specialized golf-course policy to cover liability claims. The standard Commercial General Liability coverage form would respond to any liability claim arising out of the ownership or use of a golf cart. An insurer might dispute coverage by asserting that the golf cart is an auto since it is a land motor vehicle. However, a more reasonable interpretation is the counterassertion that the golf cart is mobile equipment (and thus covered under the General Liability form) since it is designed for use principally off public roads.

Want to continue reading?
Become a Free
PropertyCasualty360 Digital Reader.

INCLUDED IN A DIGITAL MEMBERSHIP:

  • All PropertyCasualty360.com news coverage, best practices, and in-depth analysis.
  • Educational webcasts, resources from industry leaders, and informative newsletters.
  • Other award-winning websites including BenefitsPRO.com and ThinkAdvisor.com.

Already have an account?


NOT FOR REPRINT

© 2024 ALM Global, LLC, All Rights Reserved. Request academic re-use from www.copyright.com. All other uses, submit a request to [email protected]. For more information visit Asset & Logo Licensing.

PropertyCasualty360

Join PropertyCasualty360

Don’t miss crucial news and insights you need to make informed decisions for your P&C insurance business. Join PropertyCasualty360.com now!

  • Unlimited access to PropertyCasualty360.com - your roadmap to thriving in a disrupted environment
  • Access to other award-winning ALM websites including BenefitsPRO.com, ThinkAdvisor.com and Law.com
  • Exclusive discounts on PropertyCasualty360, National Underwriter, Claims and ALM events

Already have an account? Sign In Now
Join PropertyCasualty360

Copyright © 2024 ALM Global, LLC. All Rights Reserved.