Golf carts seem safe enough and when you are driving on a golf course, in your yard, or just running some errands, insurance might not be in the front of your mind. However, as with any vehicle, golf carts require coverage so you could feel secure when something happens.
Golf cart accidents can and do happen. While driving a golf cart, you can injure someone, become injured, or damage property, especially when you drive your golf cart on the streets. When such an accident occurs, you will be liable for the cost of repair, replacement, medical bills, and lost wages. Unless you do not mind losing money, it is best to have insurance.
In some states, e.g., Arizona, you are required by law to have at least liability insurance to drive a golf cart on public roads. Check your local legislation to know when you are required to have insurance. Even if it is not mandatory, it does not mean you do not need it. There is always the risk of damaging your vehicle or someone stealing it.
While home insurance does offer some coverage, it only protects your golf cart on your own property and only to a limited extent. So if you want to drive your golf cart on public roads or take it to a golf course, that coverage will not be sufficient.
Car insurance does not usually cover golf cart accidents. However, it may be possible to increase the coverage under either an auto or home insurance policy by adding an endorsement to the policy.
Additionally, golf cart insurance is sometimes sold as an “off-road vehicle policy”, which is useful if you are planning to drive the golf cart off-road or on-road, but not on the golf course.
The most basic golf cart insurance offers the following coverages:
In addition to the standard insurance policy coverages listed above, there are also optional ones. Insurance companies can include some of them as part of their standard insurance policy:
There are several factors that influence the cost of your insurance. Knowing them can help you lower your premiums.
Do you need to talk through your options with an expert and want to find the policy that best suits your needs? Send us an email or submit a request for a free quote on our website.