Golf Cart Insurance

Insurance for Golf Carts

Especially in Florida, some people use their golf cart just as much as they do their car. Many people just use their golf carts for yard maintenance or to visit the neighbors. Although using golf carts for these reason are as prevalent as they are, most people don’t realize that their homeowners and auto policies most likely would not cover them if they were to be part of a golf cart accident. For many Home Owners Associations and Country Clubs require members to hold golf cart insurance. Fortunately, Golf Cart Policies are usually very affordable. Since golf cart insurance isn’t required by law, they are considered to be optional coverage. Because it isn’t required to carry, unless you take part in a (HOA) or Club Membership, many of our clients forget to protect their golf carts. We are proud to provide many of our clients with Golf Cart Insurance for as low as $60 a year. Why not give yourself complete peace of mind? Whether its the golf course or if it’s street legal. Cover yourself with a Golf Cart Policy today. It’s easy.

Why Is It Important to Have Golf Cart Insurance

Legal Requirements: In Florida, golf carts are considered motor vehicles and are subject to certain laws and regulations. It is mandatory to have liability insurance coverage for your golf cart if you plan to operate it on public roads. By having golf cart insurance, you comply with the legal requirements and avoid potential fines or penalties.

Liability Coverage: Golf cart insurance provides liability coverage, which protects you financially if you cause property damage or bodily injury to others while operating your golf cart. Accidents can happen, and having liability coverage ensures that you are financially protected if you are held responsible for damages or medical expenses.

Property Damage Coverage: Golf cart insurance can also provide coverage for damages to your own golf cart. Whether it's due to an accident, theft, or vandalism, having insurance coverage helps you repair or replace your golf cart without incurring significant out-of-pocket expenses.

Medical Payments Coverage: Golf cart insurance may include medical payments coverage, which helps cover medical expenses for injuries sustained by you or your passengers in an accident. It can provide reimbursement for medical bills, hospitalization costs, and even funeral expenses if necessary.

Uninsured/Underinsured Motorist Coverage: In the event of an accident where the at-fault party does not have insurance or has insufficient coverage, uninsured/underinsured motorist coverage can protect you. It helps cover your medical expenses and damages if you are involved in an accident with an uninsured or underinsured driver.

Peace of Mind: Having golf cart insurance gives you peace of mind knowing that you are protected financially in case of unexpected events. It allows you to enjoy your golf cart rides without worrying about potential risks or liabilities.

Remember to review your insurance policy carefully to understand the specific coverage and exclusions. It's recommended to consult with an insurance professional who can guide you through the process and help you choose the appropriate coverage for your golf cart based on your needs and usage patterns.

Components of Golf Cart Insurance

Bodily Injury Liability Coverage

Bodily Injury, much like an auto policy, will pay for medical damages that you sustain. With the cost of medical attention rising, bodily injury coverage helps tackle the cost. This will give you more space between you and the potential of facing legal battles in the event of an injury.

Property Damage Liability Coverage

Property damage liability coverage pays for all types of damage caused to the other involved parties property in the event of an accident that involved your golf cart. Property liability coverage will pay for damages caused to all forms of property such as:

  • Trees

  • Fences

  • Other golf carts

Comprehensive Coverage

In the insurance world, Comprehensive Coverage used to be called “acts of God”. This type of coverage will pay for most all claims caused by perils excluding collision accidents.

Collision Coverage

Collision coverage will pay the cost of repair if the accident was the result of the vehicle colliding with another object, like a rock, tree, or another golf cart.

Frequently Asked Golf Cart Insurance Questions

  • Yes, if you plan to operate your golf cart on public roads, you are required to have liability insurance coverage.

  • Golf cart insurance typically includes liability coverage, which covers property damage and bodily injury to others. It may also include coverage for damages to your golf cart, medical payments coverage, and uninsured/underinsured motorist coverage.

  • Some insurance companies offer the option to add your golf cart to your existing auto insurance policy. However, it's recommended to check with your insurance provider to determine if they offer this coverage and what specific terms and conditions apply.

  • While insurance requirements may vary depending on local regulations, it's still advisable to have insurance coverage for your golf cart even if you only use it on private property. Accidents can still happen, and having insurance provides protection in case of property damage, theft, or injuries.

  • Some insurance companies offer discounts on golf cart insurance. Common discounts may include multi-policy discounts (combining multiple insurance policies with the same provider), safe driver discounts, and discounts for installing safety features such as seat belts or headlights.

  • Golf cart insurance may include coverage for theft, depending on the specific policy. It's essential to review the policy terms and conditions to understand the coverage limits and any exclusions related to theft or vandalism.

  • Golf courses often have their own insurance coverage that protects against liabilities on their property. However, if you plan to use your golf cart off the golf course, such as on public roads or private property, separate insurance coverage is typically required.

  • In the event of an accident or incident, you should contact your insurance company as soon as possible to initiate the claims process. They will guide you through the necessary steps and documentation required to file a claim and process your claim efficiently.

  • Some insurance companies may offer seasonal or temporary coverage options that allow you to suspend your coverage during periods when you don't use the golf cart. It's best to inquire with your insurance provider to see if such options are available.