Question

A motorized golf cart used by a retired homeowner to make trips to the corner grocery would meet the definition of covered vehicle under section 2 of a homeowners policy. True or False?

Answer 1

Whether a motorized golf cart is a covered vehicle under a homeowner's policy depends on the policy's terms. Most policies do not cover motor vehicles outside of specific non-road uses, but some may include special provisions for golf carts. A thorough review of the policy or consultation with an insurance agent is necessary.

Step-by-step explanation:

The question of whether a motorized golf cart is considered a covered vehicle under a homeowners policy is specific to the language within the policy itself. Generally, typical homeowners insurance policies do not cover motor vehicles except in specific situations, such as non-road use or use solely on the residence premises. However, some policies might include a provision that extends coverage to a motorized golf cart when it is used for maintenance or recreational purposes on the property, and possibly in the case of short trips to nearby locations like the corner grocery, depending on policy specifics.

It is essential for the homeowner to review their policy details or consult with their insurance agent to clarify the coverage. The statement in question is likely false unless the homeowner's policy specifically states that the motorized golf cart is covered for off-premises use.