[gamblor956]

Generally, while your insurer (health, auto, homeowner, or otherwise) would cover your initial costs, you would get reimbursed by suing the driver of the golf cart that hit you and they would either personally be liable or pay through their insurance company.

[rmcpherson]

The difference is that it’s illegal to drive a motor vehicle without liability insurance. With other vehicles, that can be just as lethal to pedestrians or cyclists, there is no such requirement. In my case, the driver who hit me was homeless with no insurance of any kind.