Do you drive your golf cart to the neighborhood store, a friend’s house, your child’s school or anywhere other than a golf course? If you answered yes, you need insurance for your golf cart.
Some states and homeowners associations require you to carry golf cart insurance. But even if golf cart insurance isn’t required where you live, you'll need coverage if it’s damaged, stolen or involved in an accident.
Your auto and home insurance don't automatically cover your golf cart. But you have options. You may be able to add an endorsement, or add-on, to either of your existing policies. Or your insurance company may offer a more comprehensive policy designed to cover your golf cart just about anywhere it can take you, and even while it's in storage.
Golf carts come in various styles. Your coverage options may depend on the type of cart you own and how you use it. Some carts top off at 15 mph, while other low-speed vehicles and all-terrain vehicles can reach 25 mph or more. These may all qualify as golf carts.
The most common coverages available are:
- Bodily injury and property damage liability: Covers medical bills for others and damages to their property if you cause an accident. If you live in a state that requires golf cart insurance, this coverage may be mandatory.
- Guest passenger liability: Covers any passengers injured in an accident, up to a specified claim limit.
- Medical payments: Covers medical bills for you or your passengers if injured in an accident. This coverage usually pays, no matter who is at fault or how many vehicles are involved.
- Uninsured/underinsured motorist: Covers damages to you, your passengers and your golf cart if someone who is underinsured or uninsured causes an accident. It can also cover medical treatments, lost wages and other damages you might otherwise have to pay for due to the other person’s lack of coverage.
- Collision: Covers the cost to repair or replace your golf cart if it’s in an accident with another vehicle or object.
- Comprehensive: Covers the cost to repair or replace your golf cart when the damage results from almost anything other than a collision, such as a storm or theft.
No matter where you drive your golf cart, it’s important to have the right coverage. Requirements and costs depend on the type of golf cart you have and how it's used. Contact us about the right protection for your golf cart.