Is it a car or a golf cart? Some vehicles in The Villages are blurring that line, and that’s causing a controversy. Souped-up golf carts in the retirement community of 100,000 have to be insured like a car, and that can cost up to $1,000 a year. Some residents aren’t happy about that. "It’s lighter. It doesn’t have the speed of an automobile, yet the insurance companies are going to charge you like it’s a regular automobile, and of course they are doing it because they can," said Fred Merrow.