In Florida, golf carts are widely used on golf courses, in private communities, and even on the streets in some towns.Can you recover for injuries caused by a negligent driver in Florida? The short answer is yes.You also have a claim against the owner of the golf cart because, just like a motor vehicle, it is considered a dangerous instrumentality. The first thing your lawyer needs to find out is whether there is any insurance covering the golf cart. The primary source of coverage might be through a policy specifically covering the golf cart. A homeowner’s insurance policy might also provide coverage. However, these policies typically have complicated language limiting the circumstances under which the insurance will apply. It is very important to determine whether there is insurance coverage and it would be a good idea to contact an attorney who has prior experience in handling golf cart claims.