Golf Cart used on Public Road

November 14, 2013

We have an HO-3 policy. A golf cart was being driven by our insured's daughter and her friend. The daughter is 13 years old and the friend is 14 years old. There is some dispute as to which one of them was the driver. However, they hit a parked vehicle. The golf cart was not on a golf course but was being driven across the street from the insured's residence. The policy has no other endorsements and the golf cart was not registered. Would this be covered under the insured's homeowner's policy? If the friend was driving would that prevent coverage? Does the fact that they are both under 16 years old make a difference in providing coverage whether or not a golf cart was involved?