The question you have to answer is whether these golf carts are subject to a compulsory or financial responsibility law or other motor vehicle registration law. If so, they are considered to be autos under the CGL form and would need an auto policy in order for insurance coverage to apply. But, if the carts are not subject to the compulsory or financial responsibility laws in your area, they are considered to be mobile equipment and the CGL form will respond to a claim.

We do not know the specifics of the town ordinance, but we can say that golf carts are usually considered to be mobile equipment regardless of the fact that they can be driven on the street. They are designed for use principally off public roads and having head lights and tail lights and other equipment does not change that point.