09/30/2026
Hurt in a rental golf cart in Orange Beach, Gulf Shores, or Fort Morgan? Who pays?
After a wreck, the first question usually isn't "whose fault?" It's "whose insurance?" Our new blog post walks through it. The short answer: rental golf cart insurance is rarely one policy. It's usually a stack of policies, plus the rental contract you tapped through on your phone.
A few key points from the post:
• Orange Beach and Gulf Shores require cart owners to carry liability insurance. But Alabama's minimum liability limit is $25,000 per injured person, and after a head injury or a broken hip, that doesn't go far.
• A rental waiver is not automatically the last word. Whether it holds up depends on what it says, who signed it, who got hurt, and what caused the wreck.
• Your own auto policy may or may not cover a rented cart. It turns on the words in your policy, not on what the rental desk tells you. If a thinly insured car hit your cart, your own UM/UIM coverage may matter most.
• Carts belong on designated streets posted at 25 mph or less. A cart on Canal Road, Perdido Beach Boulevard (Hwy 182), or Orange Beach Boulevard (Hwy 161) can mean a coverage problem and a 1% problem under Alabama's contributory-negligence rule.
Search "Lattof Injury Law golf cart" to read the full post.
Hurt in or by a rental golf cart? Call 251-432-6691. The first conversation is free, and you pay nothing on an injury case unless we recover for you.
Lattof Injury Law
4593 Main Street, Suite C-204 · The Wharf · Orange Beach, AL 36561
Family firm since 1952
General educational information, not legal advice. No representation is made that the quality of legal services to be performed is greater than the quality of legal services performed by other lawyers. Attorney advertising.
