In Florida, golf carts are not titled or registered and the law does not require that golf cart owners carry golf cart insurance, either for Personal Injury Protection (PIP) or Property Damage Liability (Property). Importantly, golf cart has a specific definition under Florida law — a golf cart is a motor vehicle that is “designed and manufactured for operation on a golf course for sporting or recreational purposes and that is not capable of exceeding speeds of 20 miles per hour.” The maximum speed that golf carts are capable of reaching is one thing that sets them apart from other vehicles, particularly low speed vehicles or LSVs, for which insurance requirements may differ. Also, even if the law does not require golf cart owners to carry insurance, the law does not prevent or prohibit a golf cart owner from purchasing such insurance. Golf cart insurance can include basic coverages for property damage, bodily injury, or even damage to or theft of the golf cart itself.