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Golf Kart Insurance for Portland


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  #1  
Old 07-30-2005, 10:35:05 AM
Lou Quirch Lou Quirch is offline
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Thumbs down Golf Kart Insurance for Portland

Received the rules for the Portland show and swap meets yesterday; it says we need insurance for all our riding vehicles (butt buggies, golf karts, lawn tractors etc.)
Does anyone know where to get that type of insurance?
I have a bad knee and can't hold up for a day of walking.
I guess that if I can't find insurance, I wont go to Portland any more.
"SAD DAY" . Portland was the highlight of the year for me.
I guess the attendance is going to be down this year.
Since they require insurance, they should get a company to sell us riders for the days there at the show grounds.
Lou, in South Florida

Last edited by Lou Quirch; 07-30-2005 at 10:58:38 AM.
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  #2  
Old 07-30-2005, 11:00:06 AM
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Rick Strobel Rick Strobel is offline
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Default Re: Golf Kart Insurance for Portland

Lou, I also can't walk very far and that's why I don't attend. I don't know what the answer is for the so called butt buggy demo derby that goes on there, but I understand it's a real problem.

I would think you're agent could put you on an insurance "rider" for that short period of time. I also feel a handicap sticker should be required.

Transporting your boughten goods back to your rig should also be addressed.

"Waiting for a solution"

RickinMt.
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Old 07-30-2005, 01:20:19 PM
Havvey Havvey is offline
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Cool Re: Golf Kart Insurance for Portland

my opinion club members need to take a stand and stop this insurance madness maby have everyone sign at the gate a hold harmless waiver.
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Old 07-30-2005, 01:40:28 PM
LCJudge LCJudge is offline
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Default Re: Golf Kart Insurance for Portland

The problem is a hold harmless waiver wouldn't hold up in litigation against the club. From what I have heard, this issue came to a head last year at Portland when a person in some sort of cart ran over another person's leg. I don't think the injury was severe (no broken bones) but it did require medical attention. With no insurance, this falls back on the club. We had an incident here locally at a festival. A gent was riding a golf cart because he had had knee surgery several months prior. He went to stop and instead hit the gas. He ran into a crowd and severely injured an 8 year old girl. She ended up under the cart and suffered some severe head injuries. It was touch and go for a bit if she would make it. She did but will have some lifelong problems as a result due to a brain injury. He didn't have insurance and now the festival's insurance is having to step in and cover the hospitalization, thereapy, etc. Its in the hundreds of thousands. Sadly, insurance is a necessity. I think someone could get a rider on their homeowners to cover riding a cart or buggy at a show. I doubt the premium would be too expensive. Take this from a person who's every type of litigation you can imagine.
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Old 07-30-2005, 02:07:55 PM
Fred_M
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Default Re: Golf Kart Insurance for Portland

Having had an ankle broken by a "butt buggie" at a local street carnaval I can attest that the people who use them need insurance. I was struck from behind with no warning by an old man who stated he was just tired of people being in his way. I was off work for 9 1/2 weeks. My personal health insurance paid for about 90% of my medical bills, but nobody paid the other 10% or for my lost wages. 9+ weeks of lost wages caused me to loose my pickup truck and eventually having to file bankruptcy. My credit is ruined thanks to that! Luckly, we saved our house. The old man who hit me played the crippled card and was not charged with assult or anything by law enforcement. He didn't have anything so there was no point in my suing him. The city who sponsored the carnaval refused to help me as did the the company that supplied the rides. My lawyer advised me that only the person who hit me was really libel, and as I said, he was broke, living in an apartment on social security with no assets. So, I think insurance being required is a wonderful policy and shows great responsibility on the part of the Portland Show to protect their paying customers. I hope more shows start showing such forsight and start adopting insurance rules. Conversely, if you do hit someone and have assets are you willing to show responsibility and pay for the injuries you cause? If you are, why not just purchase some insurance, or ask for a statement from you homeowners insurance, showing that you are covered for injuries you cause with your machine? Why should others have to suffer like I did? Fred
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Old 07-30-2005, 02:19:26 PM
Gasengn Gasengn is offline
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Default Re: Golf Kart Insurance for Portland

I have a homemade butt buggy. I have recreational vehicle insurance on it through my auto insurance company, the Farm Bureau of Indiana. The 6 months premium is $56.70. I have the same liability limits on it as I have on my cars, trucks, etc.
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Old 07-30-2005, 04:27:10 PM
Dick Brown Dick Brown is offline
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Default Re: Golf Kart Insurance for Portland

having to insure my golf cart was no big problem with me. just had it put on with my home owners policy. premium was less than $50.00 for a year. foot and leg problems wont let me walk much any more.guess thats part of getting old.
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Old 07-30-2005, 06:53:31 PM
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Default Re: Golf Kart Insurance for Portland

i heard that there is not suppose to be any butt buggy's at portland anyway this time around and only for the swap meets in may?
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Old 07-30-2005, 09:05:30 PM
Havvey Havvey is offline
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Angry Re: Golf Kart Insurance for Portland

accidents are unfortunate. i just get sick of the suing and insurance getting out of hand. And being sued because some dumb bell put his hand on a hot engine muffler etc. I look at it that if i go to these events there is a risk of getting hurt. this has been fed by liberal juries awarding for stupidities. Neglegence is another thing it all goes back to holding people accountable for their actions. I don't see holding an event/club and its members responsible if a person there in attendance causes an accident. the city did not help with the injured leg did it? had it been the local engine club they would have had to pay. my opinion
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  #10  
Old 07-30-2005, 10:34:02 PM
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Default Re: Golf Kart Insurance for Portland

Quote:
Originally Posted by Havvey
Neglegence is another thing it all goes back to holding people accountable for their actions. I don't see holding an event/club and its members responsible if a person there in attendance causes an accident. the city did not help with the injured leg did it? had it been the local engine club they would have had to pay. my opinion
Hence the need for insurance if you drive any machine that can injure people. I think the BH who hit me should of spent the rest of his life in jail and I should of got his Social Security check to pay me back for my loss. Then he would of been held accountable. Fred
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Old 07-30-2005, 10:57:33 PM
Ironman Ironman is offline
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Default Re: Golf Kart Insurance for Portland

Personally, I don't feel that "butt buggies" should be allowed at ANY show, but that's just my opinion due to seeing so many careless operators. I DO agree that there should be measures taken to assure that persons with disabilities have a way to get around at shows, but in many cases I have seen that their disability has also caused their inability to safely operate whatever it is that they are riding on. For those of you that either have or are considering purchasing insurance for your butt buggies, you had better ask your agent or insurance company many questions regarding what is, and what is NOT covered. Any agent will sell you a policy (after all- they ARE being paid on commission), but you had better find out EXACTLY what that policy covers. Many people purchase insurance for their quad runners and such, only to find out that they are only covered by insurance if they are operating them on their own land . If you plan to operate your butt buggy at a show, you had better ask your insurance agent if you are covered for liability while operating it there. You all know that there is a lot of legal "mumbo jumbo" on insurance policies that is a bit difficult to decipher by the average person, so ask your agent if there is ANYTHING you don't understand. Or- better yet- ask our friendly legal expert that participates on this board. (Sorry Tommy- I couldn't resist!!! )
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Old 07-31-2005, 07:41:47 AM
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Default Re: Golf Kart Insurance for Portland

Insurance sounds good. I feel the same as a lot of you. Too many butt buggies. A lot of people really need them, "butt" I'm tired of yielding right of way to the constant stream of traffic. Now I see people cruising the rows in their pickups and cars. Enough. If you can walk, get off yor lazy asses and get some excerise.
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Old 07-31-2005, 10:35:29 AM
Greg Downard Greg Downard is offline
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Default Re: Golf Kart Insurance for Portland

Went to a show Saturday. All rows in the flea market were roped off with signs "NO MOVING VEHICLES OF ANY KIND" If you needed something transported there were several club members would assist you with pull carts. They were posted at each end of the rows. If you needed to use a truck to haul they would escort you in and out. They also had escorted handicapped vehicles available. Only seen one handicap vehicle and it stayed in the midle of each row and would stop and allow you to walk over and look at something. The JD Alligator had a amber rotating light on the front of it.
No vehicles (tractors, carts, garden tractors) could be operated by anyone under the age of 18. No exceptions.

Didn't have to worry about getting run over. Show security was real hard on violators and made them leave the grounds. Traffic security were stationed on each tractor, engine row and warned people if tractors were coimg and warned drivers of people. Bright yellow shirts, you seen them and knew they were there.

Made a easy time to walk around without worring about getting run over.
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Old 07-31-2005, 12:16:58 PM
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Default Re: Golf Kart Insurance for Portland

Quote:
Originally Posted by GeneratorGus
Insurance sounds good. I feel the same as a lot of you. Too many butt buggies. A lot of people really need them, "butt" I'm tired of yielding right of way to the constant stream of traffic. Now I see people cruising the rows in their pickups and cars. Enough. If you can walk, get off yor lazy asses and get some excerise.

Have to agree with you on that Gus!! I myself have been guilty of riding around on the butt buggy and definatly needed to be walking and getting exercise It is alot easier to ride around on something especially during the big shows but it has become more and more crowded and with small children and the elderly about, the riding toys need to be more closely monitored I think. I was almost ran over at a show last fall by some jack leg screaming up and down the camping area at 11:00 pm with no lights on his beloved JD Gator!!! My 2 cents worth. I have a friend who just bought full coverage insurance on his golf cart and it cost him $135.00 a year. Not too bad of an investment considering what "could" happen.

Denny
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Old 07-31-2005, 01:50:43 PM
BobRR BobRR is online now
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Default Re: Golf Kart Insurance for Portland

Greg what show? BobRR
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Old 07-31-2005, 02:56:20 PM
Havvey Havvey is offline
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Thumbs down Re: Golf Kart Insurance for Portland

another one of my pet peeve's is teenagers (street punks) playing on skate boards/roller skates at these shows! yes it is your grand children when are we going to get on that (may be put them to work raking the pulling arena)
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Old 07-31-2005, 03:00:55 PM
Havvey Havvey is offline
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Default Re: Golf Kart Insurance for Portland

for the record at the shows i attend these scooter/golf carts have yet to get to the point you people describe. there are very few by members most are used by the event staff to move event objects.
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Old 07-31-2005, 04:44:42 PM
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Default Re: Golf Kart Insurance for Portland

We are in a rather rural area (so far) where there is still a decent supply of common sense and courtesy (so far). Also we are not a large show so we don't have exhibitors and vendors stacked up like cordwood and haven't had many problems so far.
LEGALLY I don't think a PUBLIC event can prevent a genuinely disabled person from using whatever means of transporation they NEED to get around.
If there IS any foolishness our "people hauler" team makes quick work of that type of behavior.
I've seen problems at shows where youngsters are turned loose, unsupervised, with 4 wheelers AND tractors and get a little brave...and THAT bothers me!
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Old 07-31-2005, 08:51:52 PM
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Default Re: Golf Kart Insurance for Portland

Quote:
Originally Posted by Craig Anderson
LEGALLY I don't think a PUBLIC event can prevent a genuinely disabled person from using whatever means of transporation they NEED to get around.
On public property at a public event, that's true. BUT the general public has been brainwashed into thinking that this applies to private events, it don't. At private events the promotors can make and enforce any rule they please as long as it dosen't effect public saftey. So sure they could ban disabled people from using butt buggies just like the Masons or Knights of Columbus can ban you and me from their affairs, just like Delco can ban Ford auto workers from the Delco Company Picnic. And the Portland Show and swap meet is a private promotion. BTW, if you have a private meet on public property AND pay rent the public property is treated as private property for the duration of the rent period. Fred
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Old 07-31-2005, 11:35:25 PM
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Sam Harman Sam Harman is online now
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Default Re: Golf Kart Insurance for Portland

I have been going to Portland for 20 years. I don't have a problem with someone who is handicapped needing a way to get around.What really burns my butt is walking through the vendors rows and having to get out of the way of some jerk on a golf cart or gator with a handicapped sticker on it with 4 people on it and pulling a cart back of it loaded with 3 or 4 more people on.I personally have a hard time picking out the one that is handicapped or deciding if the whole bunch is?Then you see the person who says they can't walk or stand ,but can stop, walk into a vendor,leave the gator bus run in the middle of the row and STAND and bull crap with the vendor for 30 minutes.
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