2 Year Old Crashed Golf Cart
I’m just curious how this will all work out. I drove our golf cart to the park. It was parked on the side of the street and I left the key on. It’s an electric golf cart so it doesn’t sound like it’s “running”. We were at the park with some friends of ours and their kids. One of our friends kids is 2 years old and decided he wanted to get on the golf cart. I didn’t see any of this happen until it was too late. The 2 year old pushed the gas which unlocks the breaks and took off. His mom was right next to him and grabbed the golf cart as it took off. She was running along side of it trying to stop him and she tripped and fell on the ground and ended up getting run over by the back tire across her head. The golf cart ended up hitting a curb and stopping. We are thinking when it hit the curb the 2 year old fell off the gas pedal. Everyone is thankfully okay. A bystander who knows the mom called an ambulance and she was brought in to be checked out. She is okay and just has some scrapes and bruises. My question is whose insurance does this go through or be covered by? Since the golf cart is mine and I did leave the key on it could be my fault. It could also be their fault for getting on a golf cart without permission. I am okay with this either way and I do own my mistake but I am curious if our insurance will cover this? If our golf cart is covered under our homeowners insurance will that pay for the medical bills? Will it be denied by our insurance since it was technically taken by a child? The mom has insurance that will cover anything ours doesn’t so there won’t be a bill on her at all. I am just curious how this will work and if our house insurance will go up? What would happen if our golf cart isn’t insured?
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