[darkside]

I'm throwing my .02 in here as a racer and a Insurance agent. The liability is actually what you need, and want someone else to have if they hit your stuff...it doesn't cover the golf cart but what the golf cart messes up.

Like if I hit Bucky Hess's awesome cuda and I certainly hope I never do! After he get's done kicking my butt, I don't have to pony up 20K for the paint job the liability would kick in to cover fixing Bucky's cool car. Without lia insurance then he would prolly not get anything usless he sued...and won, if I refused to pay. I know another butt kicking but my butts not worth 20K so he'd be screwed.

NHRA actually requires it at National Events just don't enforce it too much. I have a progressive policy that was like $80 and even covers the golf cart with the $300K lia so I'm good. And if the kids are on it in the neighborhood they are listed on the policy so when it goes in the lake I can get a new one, lol.

It still bites how much they make us spend but its kinda like saftey equipment it blows til you need it.