Insurance Requirements for Golf Carts in Gated Community

Our HOA is considering a liability insurance requirement for all resident golf carts that are used/travel on HOA roadways.
Our Golf Course (owned by an outside entity) has this requirement for those who use their personal Golf carts on the trails.
Does anyone have this reqirement in their community?
Is it legal and enforceable?
Is it a good idea based upon your experience?

Paul,
It is against Florida Law to operate golf carts on any city, county or State street or roadway.

The association should not carry additional insurance covering these carts. That would fall under your general liability policy. Driving a cart within the community is owner responsibility and is usually covered within the owners individual liability policy. The golf course also has liability insurance for their property. We had the Sheriff of our counnty send out notices to the few who continually drive the cart within the community ,to no avail. A real problem is that they let their young kids (10 and 12 year olds) drive them with 4 extra passengers hanging on for dear life. We the residents are just taking charge of this and stopping them in the streets and calling the parents. They usually say that it soesn't bother them that their kids are driving fast and being reckless.

Okay Paul,
That is a little clearer. You said that your "HOA is considering a policy" and you mean to adopt a policy, correct?

Now, IF the Board decides that they want to add this to your Rules and Regs, they absolutely must write the rule , send it out to every owner, call a membership meeting AND State Statutes require that the meeting is to have a 14 day notification to the membership of the purpose of the meeting.. The Board is the only vote required but notification is required and then each owner is to get copy of it.

As I said before, I believe that self owner golf carts come under a Homeowners Policy coverage. A seperate policy can be written but your enforcement will be very difficult to monitor. If and when golf cart owners do obtain a seperate policy, then getting them to show proof to the association will be a snap but to force them to get it will be tough. Is it an illegal rule? I don't believe it is as long as your roads are private and it is a written and passed rule.

On our Island, our roads are private. We can receive police support from the county, we have our own POA that setys rules. Gold carts are a way of life and we now have a $200 fine for uneraged drivers. Drivers must have a license and cart is registered with our security and has insurance.

One problem, people will trailor in golf carts for short term rentals.
Also, you can rent golf carts from developer (insured), anf rom private firm locally, all carry insurance or supposed to. I would not want to be the owner of a non insured golf cart involed in an accident with injuries.

PaulM,
These are private roads owned and maintained by the HOA in a gated Golf Course Community.
The Golf Course within the Community However, is owned by an outside entity.