Titusville Golf Cart Accident Lawyer
Andrew Pickett Law is a top Titusville golf cart accident law firm that handles injury cases throughout Titusville and North Brevard County for victims who need help getting medical treatment and financial recovery. Andrew Pickett grew up in Brevard County, in neighborhoods where a cart running to the pool or the mailbox counts as ordinary traffic.
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What You Need To Know
- A golf cart claim turns on questions most families have never had to ask, starting with which vehicle you were actually riding. A lawyer who handles golf cart claims keeps the same questions from being answered against you in the first few weeks.
- You can finish here knowing where your family stands, whether you ever call us.
- The cart itself carries no insurance, because Florida doesn’t require any. The coverage that pays the first medical bills after a car crash doesn’t reach a cart occupant at all.
- You’ve got two years to file a lawsuit over crash injuries, and the owner will repair or scrap the cart long before two years are up.
- Being on a street where carts aren’t allowed doesn’t end a claim. Riding where carts are banned is a ticket-level infraction, and it feeds a share of the blame instead.
- Photograph the cart today from every side, lights, mirrors and reflectors included, before anyone repairs it or hauls it away.
- Brevard County allows carts in six named areas and nowhere else, and the county’s rules stop at the Titusville city line.
- Andrew Pickett prosecuted cases in the same circuit where a Titusville case is tried, and he takes injury cases to a jury.
- The cart. Repaired, sold for salvage or scrapped within days, taking every missing reflector, bald tire and dead brake light with it.
- The signs at the crossing. Posted and maintained by the county, and replaced or repositioned on the county’s own schedule rather than yours.
- The manufacturer’s plate. The single photograph that settles whether your family was on a golf cart or a low-speed vehicle.
A golf cart gives the people on it no protection at all. When a car hits one, the people on the cart take the impact directly. If that crash has just happened in your family, you are probably living some of this already. The cart sits damaged in a garage, or a dealer has hauled it away, and somebody is talking about getting it fixed. Someone from the car driver’s insurance company has suggested that the cart had no business being on that road. Nobody has been able to tell you whose insurance pays the medical bills, because the cart itself carries none.
Start with the photographs, because a repair shop can erase the evidence within days. The plate, the road rules and the fee come next. The deadlines, the coverage order and the statute citations sit further down.
Photograph the Cart Before Anyone Repairs It
The cart sits damaged in a garage right now, or a dealer has already hauled it away, and somebody in the family is talking about getting it fixed. A repair erases the case for what the cart was missing.
Photograph the cart today from every side. Get the lights, the mirrors, the reflectors, the tires and the brakes in the frame, and take the pictures before anybody’s touched a bolt.
Photograph the manufacturer’s plate as well. One picture of the plate settles which vehicle your family was riding, and the plate changes the whole insurance question.
Photograph the crossing where the crash happened while you’re at it. A missing or turned sign belongs to the county, and the county replaces signs on its own schedule rather than yours.
The Manufacturer’s Plate Answers the Insurance Question
A pair of carts parked side by side in a Titusville driveway can be different vehicles under Florida law, and only the faster cart has to carry insurance.
A cart built to travel under 20 miles per hour is a golf cart, and Florida requires no title, no registration and no insurance for it. A cart that runs between 20 and 25 miles per hour is a low-speed vehicle, and a low-speed vehicle has to be registered and insured like a car.
The coverage that pays the first medical bills after a car crash never reaches a golf cart occupant. Your money comes from other policies instead, and which policies depends on the plate.
Photograph the plate before anyone repairs the cart, and photograph the odometer and the speed rating if the plate is gone.
Being on a Street Carts Aren’t Allowed On Doesn’t End the Claim
Expect the driver’s insurer to say the cart had no business on the road where the crash happened. Brevard County allows carts in six named areas and nowhere else, and the county’s rules stop at the Titusville city line.
Riding where carts are banned is a ticket-level infraction rather than a bar to recovery. An infraction feeds a share of the blame, and a share of the blame reduces what you collect without ending the claim.
Only a share above half stops a Florida claim entirely. An insurer that opens with the road rule is arguing for a percentage, not announcing a result.
The speed limit and the signs on an allowed street matter too, and both are questions of fact somebody has to prove.
A Cart Claim You Can Handle Once You Know What the Plate Says
Some cart claims settle without a lawyer. If the plate says low-speed vehicle, the cart carried insurance, the car driver admitted fault, and everyone’s healed, take the offer and keep every dollar of it.
The claims that need help look different. There’s no insurance behind the cart, the crossing had no sign, or a hospital has already claimed part of a settlement that hasn’t arrived yet.
You don’t have to sort out which case your family has. Call us, describe the cart and the crossing, and we’ll tell you which policies are even in play.
The call and the review cost nothing, and nobody signs anything to have the conversation. Even if your family handles the claim alone, you handle it knowing what the plate means.
A Golf Cart Accident Lawyer Costs You Nothing While the Case Runs
Andrew Pickett Law takes a fee only out of what we recover for you, an arrangement lawyers call a contingency fee. We take a minority percentage of the recovery, and we charge no fee at all if we recover nothing. You’ll never write us a check to get started, and you’ll never see an hourly bill. Florida law caps a contingency percentage, so no firm sets its own ceiling. The Titusville personal injury page lays out that structure.
We back the Bar’s cap with a commitment of our own. We work your case to its maximum value, and you’re out of pocket for nothing while the case runs. We pay the filing fees, we order the medical records, and we hire the experts, and no bill reaches you while you’re still healing. Ask any firm you talk to, including us, who pays the advanced costs if you lose. Firms answer the question differently, so get the answer in writing before you sign anything.
You’ll Hear Changes in Your Case From Us First
Andrew Pickett prosecuted cases in the Eighteenth Judicial Circuit before he represented injured people, and Brevard judges try Titusville golf cart cases in the same circuit. He trained at the Trial Lawyers College, and he tries injury cases through to verdict. An insurance carrier prices a file differently when the lawyer who built it has put cases in front of juries.
Clients tell us the same thing in their reviews: they always knew what was happening in their own case. We’ll tell you the next step and roughly when it’s coming. When something changes, you’ll hear about the change from us rather than finding out later.
Describe the Cart and We’ll Tell You Which Insurance Is in Play
A first call is a conversation, not a commitment. You describe the cart and where the crash happened, and we’ll tell you which insurance is even in the picture.
Bring a photograph of the manufacturer’s plate if your family has taken it, and the crash report number. You can call with no paperwork at all.
If Andrew Pickett Law takes the case, our fee comes out of a recovery and nothing comes out of your family’s pocket while the case runs. If the claim doesn’t need a lawyer, we’ll tell you and you can take the offer.
Which Cart You Were On Decides Whether Any Insurance Exists
Two carts parked side by side in a Titusville driveway can be different vehicles under Florida law. Only one of those two carts has to carry insurance. A cart built to travel under 20 miles per hour is a golf cart. The state requires no title, no registration and no insurance for it.1 A cart that can run between 20 and 25 miles per hour is a different machine. The law calls it a low-speed vehicle, or LSV. An LSV has to be titled, registered and insured, with a licensed driver at the wheel.2
Which of the two you were riding decides most of what follows. An LSV carries the medical-bills coverage described further down, and a golf cart carries none of it. Brevard County also wrote its cart rules to leave out the battery-powered carts sold as street-legal. The county calls those neighborhood electric vehicles, and a rider on one sits outside the county cart rules entirely.3
Settle the question with a photo before anyone repairs or sells the vehicle. Photograph the maker’s plate with the serial number on it, and photograph the license tag if one is mounted. Those two pictures answer the which-vehicle question for good, and they take about a minute.
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Expect the Other Side to Say the Cart Should Not Have Been on That Road
The car driver’s insurer has one argument ready before anyone calls them. The insurer will say the cart never belonged on that road at all. That argument aims at your family’s share of the blame, so it comes first here. Florida sets a single rule for every public street. You may drive a cart there only after the local government in charge of that street sets it aside for cart traffic. The same government has to post signs saying so.4 A street handled that way is called a designated street. Setting a street aside is a written act recorded in an ordinance, not a custom. Carts running on a street for years without trouble do not make it designated.
Inside the Titusville city limits, no street has been designated at all. Brevard County has a golf cart ordinance, and the ordinance limits itself in its own words. It “shall only be effective in the unincorporated area of Brevard County, Florida,” so it stops at the city line.5 The City of Titusville’s own code holds no golf cart or low-speed vehicle article. With neither government having designated a city street, driving a golf cart on any street inside Titusville is unlawful under state law.4 Driving a cart off a designated street still carries the weight of a traffic ticket rather than a crime.7 The county writes these violations as civil infractions. A ticket-level violation feeds a percentage of the blame, and it does not end a claim.
An insurer will still push your family’s share of the blame as high as it can. The driver’s insurer will argue that the injuries are mostly the cart riders’ own fault. Florida splits the blame into percentage shares, an approach the law calls comparative fault. Anyone found more than 50 percent to blame for their own injuries gets back nothing.6 The unlawful-street argument aims at pushing your side past that line. A family hearing it needs someone working the percentage fight for them, not a reason to give up the claim.
The car driver’s speed, attention and sobriety sit on the other side of the same scale. Weighing that side down takes proof, and the proof has a short life. Photograph the cart and the crossing this week, before anyone changes them.
Six Places in Brevard County Allow Carts, and Everywhere Else Is Off Limits
Outside the city, the county ordinance works like a guest list. Any county road not named on the list is off limits to carts.8 The named areas number exactly six. They are Sherwood Estates, the Savannahs at Sykes Creek for a single crossing, and the Viera development with named road exclusions. The other three are the Suntree cluster, Barefoot Bay, and Ron Beatty Boulevard.9 Checking the crash street against that list takes a few minutes, and the insurer will build the whole fault conversation on what you find.
For a Titusville family, the designation that matters most is Sherwood Estates. It sits just beyond the north city limits, an unincorporated neighborhood with Titusville addresses. Even there the permission has a hole in it. The ordinance leaves North Carpenter Road itself out, except at designated crossing points.9 The City’s own street table shows Carpenter Road as county-maintained from the north city limits.10 A photograph can answer whether the cart was at a marked crossing, so take it before any sign or marking changes.
Even on an Allowed Street, the Speed Limit and the Sunset Still Apply
State law stacks its own limits on top of any local permission. A private cart may touch a state highway only to cross it, at a crossing the Department of Transportation has reviewed and approved. It may not be driven along one. A sidewalk is off limits unless the local government has passed an ordinance allowing it. Beside a state highway that ordinance can only reach sidewalks at least eight feet wide, at no more than 15 miles an hour.11 Cart driving is a daytime activity by default, sunrise to sunset. That default is why the after-dark equipment list further down this page exists.
You Have Two Years to File, and Days to Save the Proof
Two clocks started when the crash happened, and they run at very different speeds. You have two years to file a lawsuit over crash injuries.12 That deadline is the slow one. The Titusville personal injury page explains it in full, with the rest of the timing rules for every injury claim here.
The fast clock is the one nobody warns families about. The owner has that cart repaired, sells it for salvage or scraps it within days. The signs and markings at the crossing can change on their own schedule too. The two-year deadline protects none of that, so the photographs described below happen this week rather than later.
Nobody’s Cart Insurance Is Paying These Bills
The medical bills arrive within weeks, and no policy on the cart is going to meet them. The money comes instead from a short list of other policies, checked in order. That list is not the one a car crash uses.
The coverage that pays first after a car crash never reaches a cart
After an ordinary car crash in Florida, the first medical bills are paid by the injured person’s own auto policy. That coverage is called personal injury protection, or PIP, and it pays no matter who caused the crash. The setup is what people mean by Florida’s no-fault system. A golf cart occupant has no PIP at all. The coverage attaches only to vehicles the statute counts as motor vehicles, and a golf cart is not one. A cart is still a self-propelled vehicle, so a person riding one does not count as a pedestrian either. Neither their own auto policy’s PIP nor the striking car’s PIP reaches them.13 A family hunting for the coverage that pays first is not missing it. For a golf cart occupant it does not exist.
The money comes from other policies, and there are three places to look
The first place is the striking driver’s own coverage for harm done to other people, called bodily injury liability. Florida does not require a driver to carry it. A real share of the drivers on North Brevard roads legally carry none.14 We pin down first whether this driver bought it.
The second place is a homeowners policy covering the cart’s owner. That kind of policy often covers a golf cart used on the owner’s own property. It often drops the cart once it leaves that property, and it rarely covers damage to the cart itself.15 We read the owner’s policy rather than assume, because its wording decides how far that coverage goes.
The third place sits on your own side of the ledger. Auto policies in Florida come with a coverage that steps in when the at-fault driver has nothing to collect from. The name for it is uninsured motorist coverage, or UM. Insurers have to offer it at the same limits as bodily injury coverage. A household can give it up only by turning it down in writing.16 For a struck cart rider, UM is usually the largest number on the table, so we read every auto policy in the household too.
A low-speed vehicle would change this answer from the first sentence
An LSV has to be registered and insured before it goes on the road. It carries the PIP a golf cart lacks, and its crash is an ordinary motor vehicle crash in insurance terms.2 The photo of the maker’s plate decides which of those two worlds your family’s claim lives in. Take that picture before the vehicle leaves the driveway.
Expect an argument about a bar that was written for car occupants
In an ordinary car case, money for pain and suffering has to pass through a gate in the statute. The injury has to be permanent within a reasonable degree of medical probability. It can also qualify through significant and permanent scarring, through the loss of an important bodily function, or through death.17 Lawmakers wrote that gate as the trade for the no-fault coverage car occupants get. No Florida court has settled whether that gate reaches a golf cart rider. Florida never required that rider to carry the coverage, and the rider never got its benefit. We argue an open question like that one. Do not give it away on a phone call with an insurer.
Part of a settlement can be claimed before it ever reaches you
A Brevard hospital that treated you can claim part of any settlement. It has to file with the Clerk of the Circuit Court within days of your discharge.18 Florida law also values your care at the amounts actually paid, not the amounts billed.19 Both rules apply to every injury claim in this county, and the Titusville personal injury page sets out both in full.
The Cart Is Evidence, and Repairs Erase It Within Days
Right now the strongest proof in your case is sitting in a garage or on a salvage lot. Brevard County’s cart ordinance reads like an inspection checklist, and in the unincorporated areas that is how to use it. Inside the city limits, the state’s own list is shorter but does the same work. Every item on that checklist the cart was missing is a separate piece of evidence. A repair shop removes all of it in an afternoon, along with the crash damage. Below is what exists today and how long it lasts.
Every missing reflector on that cart is its own violation
The county’s list is specific, and so is the evidence it creates. A cart driven after sunset needs working headlights, brake lights, turn signals and a windshield. Every cart, at every hour, needs efficient brakes, safe tires, a rearview mirror, and red reflectors mounted front and rear. In the county’s unincorporated areas the list runs longer: a cart driven by someone without a driver license also needs a horn, and no cart may carry more passengers than it has built-in seats.20 Each missing item counts as its own violation, not as one general complaint about the cart’s condition. Each one feeds the blame percentages described earlier on this page.
Photograph the cart today from every side, close enough that each checklist item is visible. Do it whether the cart was your family’s or the one that hit you. Ten minutes with a phone preserves what no records request can recover a month from now.
A missing sign at the crossing is the county’s problem, not yours
Posting the signs that mark designated streets and crossings is the county’s own duty under the ordinance.21 A missing or damaged sign where the crash happened is evidence about the county’s conduct, not only about the drivers’. Photograph the spot from both directions of approach, on the same day you photograph the cart. Only a dated photo proves what the county had posted the day you crashed.
Where the road itself played a part, the claim runs against whichever government maintains that road. Around Titusville the owner may be the City, the county or the state. Carpenter Road is the local example, since the City’s own table shows it as county-maintained north of the city limits.10 The Titusville personal injury page explains the notice rules for a claim against a government.
The crash report is the other record with a clock on it, and which agency wrote yours depends on where the crash happened. The Titusville personal injury page shows how to request one from each agency.
Frequently Asked Questions About Golf Cart Accidents
Do you need insurance on a golf cart?
Florida requires no insurance, no registration and no title for a golf cart.1 That gap is exactly why the money side of a cart crash gets complicated. A low-speed vehicle is the opposite case, since an LSV has to be titled, registered and insured before anyone may drive it.2 When a golf cart carries nothing, the bills fall to other policies, and there are three places to look.
Can my teenager legally drive a golf cart?
Since a 2023 change in the law, anyone under 18 has to hold at least a learner’s permit. Your teenager needs it on any public road or street. A driver 18 or older has to carry government-issued photo identification.4 Pages still circulating the old rule, that anyone 14 or older may drive, are out of date. In a crash case, who handed the keys to an unqualified driver becomes its own question. That question points at the cart’s owner rather than the teenager.
Does homeowners insurance cover a golf cart accident?
Only the policy itself answers that, not any general rule. Homeowners policies often cover a golf cart used on the policyholder’s own property. That coverage often ends once the cart leaves the property, and damage to the cart itself is rarely covered either way.15 Have the owner’s policy read before anyone assumes coverage exists or does not.
The driver who hit us has no insurance. Is the case over?
A cart case usually survives an uninsured driver. Florida never required that driver to carry bodily injury coverage in the first place. The recovery moves to the uninsured motorist coverage on your own household’s auto policy.14 Give your own insurer prompt written notice of the crash, since policies set their own notice deadlines. Have every auto policy in the household checked for that coverage before you accept anything from anyone.16
The cart was on a street where it was not allowed. Do we still have a case?
Usually the claim survives. The street violation is a ticket-level civil infraction, and it feeds a percentage of the blame rather than ending a case.7 You recover nothing only if your side of the blame passes 50 percent.6 The car driver’s speed, attention and sobriety all push that number the other way. The photographs described above are how the percentage gets fought with evidence rather than adjectives.
References
- Fla. Stat. § 320.01(22) — golf cart defined: designed to operate at less than 20 mph, not required to be titled, registered or insured.
- Fla. Stat. § 320.01(41); § 316.2122 — low-speed vehicle defined (top speed above 20 and up to 25 mph) and its operating conditions: title, registration, insurance, licensed driver.
- Brevard County Code § 106-76 — neighborhood electric vehicles excluded from the county golf cart article.
- Fla. Stat. § 316.212 — golf cart operation lawful only on streets designated by the responsible local government with posted signs; subsection (1); operator age and identification rules as amended in 2023.
- Brevard County Code § 106-77 — “This article shall only be effective in the unincorporated area of Brevard County, Florida.”
- Fla. Stat. § 768.81(6) — modified comparative negligence; recovery barred above 50 percent fault.
- Fla. Stat. § 316.212(9) — a violation is a noncriminal traffic infraction, punishable under ch. 318 as a moving violation for subsections (1)–(5); Brevard County Code § 106-78 is to the same effect for unincorporated Brevard.
- Brevard County Code § 106-73(a)(9) — operation prohibited on any county road not designated.
- Brevard County Code § 106-73(b) — the six designated areas: Sherwood Estates, Savannahs at Sykes Creek (crossing), Viera DRI with named exclusions, Suntree cluster, Barefoot Bay, Ron Beatty Blvd; § 106-73(b)(1)a — North Carpenter Road excluded except at designated crossings.
- City of Titusville — streets not maintained by the City; Carpenter Road shown under county maintenance from the north city limits.
- Fla. Stat. § 316.212(2) (state highway crossings, DOT-approved), § 316.212(5) (sunrise to sunset), § 316.212(8)(b)3 (sidewalk ordinance: 15 mph, 8-foot minimum beside a state highway). The 30 mph / 45 mph / 5-foot figures in § 316.2126(1) apply to carts operated by municipal employees for municipal purposes and are not the rule for a private cart.
- Fla. Stat. § 95.11(5)(a) — two-year limitations period for negligence, as amended by ch. 2023-15.
- Fla. Stat. § 627.732(3); § 627.736 — PIP attaches to statutory motor vehicles; a golf cart is outside the definition, and a cart occupant is an occupant of a self-propelled vehicle, so no PIP reaches them.
- Fla. Stat. § 324.022 — financial responsibility; bodily injury liability coverage not required of Florida drivers.
- State Farm golf cart coverage guidance — homeowners liability commonly on-premises only, off-premises use often excluded, the cart itself not covered.
- Fla. Stat. § 627.727 — uninsured motorist coverage; must be offered at bodily injury limits; rejection valid only in writing.
- Fla. Stat. § 627.737(2) — permanent-injury threshold for non-economic damages; its application to an occupant never required to carry PIP is an open question.
- Brevard County Code §§ 54-66 to 54-71 — hospital claims on settlements; ten-day filing with the Clerk of the Circuit Court.
- Fla. Stat. § 768.0427 — evidence of medical damages; amounts paid rather than amounts billed.
- Brevard County Code § 106-73(a) — equipment requirements: after-sunset headlights, brake lights, turn signals and windshield; efficient brakes, safe tires, rearview mirror, front and rear red reflectors; horn where the operator is unlicensed; passenger limits by designed seating positions.
- Brevard County Code § 106-75 — signage for designated streets and crossings is the county’s duty.
Other Case Types We Handle
- Car Accident
- Truck Accident
- Motorcycle Accident
- Uber & Lyft Accident
- Pedestrian Accident
- Bicycle Accident
- Scooter Accident
- Boating Accident
- Slip and Fall
- Premises Liability
- Airbnb and Vacation Rental
- Dog Bite
- Sexual Abuse
- Workers’ Compensation
- Wrongful Death
Areas and Zip Codes Served From Our Titusville Office
- Titusville — 32780 and 32796
- Mims and Scottsmoor — 32754
- North Brevard County
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Andrew and his team put on an amazing and very well organized trunk or treat event that was so great for our community. Even when the weather didn't go our way, the team figured out a plan and carried it out with absolute precision. I met Andrew and many of his staff at this event and everyone was so sweet, easy to talk with, and so friendly. They all truly care for our community and every individual within it. Thank you all so much!
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South Brevard Debutantes was proud to participate in the firm’s Third Annual Trunk or Treat! 🎃 It is wonderful to see a local business so committed to giving back and creating meaningful opportunities for our community to come together. We thoroughly enjoyed being part of this fun, family-friendly event and connecting with other like-minded businesses that share our passion for making a positive impact in the community we call home. Thank you to Andrew Pickett Law for your continued commitment to our community and for bringing local organizations and businesses together to make a difference. We look forward to future opportunities to collaborate! 💗
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