Most homeowners’ insurance will not provide the coverage that you need to protect your golf cart, which is why it is important to get an independent policy or add the golf cart coverage as an endorsement to your existing policy. If you are looking for a comprehensive solution that includes liability protection, collision and comprehensive coverage, uninsured motorist protection, then Golf Cart Insurance can be your best bet! Let’s look at some of the reasons why this type of insurance could be right for you.
What is golf cart insurance?
Golf cart insurance can provide coverage to golf carts that are used for personal, commercial, or farming purposes. It will include comprehensive and collision coverage as well as liability protection against third party claims such as damage you might cause in an accident with the golf cart.
Who needs it?
Most homeowners’ insurance policies do not cover golf carts, which is why golf cart insurance can be a necessity for many golf cart owners. Some states may require golf carts to have liability coverage, while others will not, and this means that you should check with your state laws to make sure. It’s also important because golf courses often provide golf carts as part of the membership package and if someone were to get injured on the golf course, this would be an added expense to take care of.
What does it cover?
Golf cart insurance will vary depending upon which company you are working with and what your state laws require; however, it will include under-insured motorist coverage in case someone is injured while driving your golf cart and has no insurance. Golf cart owners should also consider golf cart rental protection if they are renting out their golf carts to others because this can provide coverage in case the renter is responsible for damage or an accident while using the golf cart.
If you live on a golf course, work at one or rent out your golf carts then it will be important to make sure that you have the right golf cart insurance to protect your investment.
What is the difference between a street legal golf cart?
A golf cart is street legal if it has all the necessary equipment including headlights, taillights and stop lamps along with brake lights. It should also have a muffler or other sound-dampening device to make sure that you are not disturbing the peace when traveling down roads on your golf course.
If you do not want to have golf cart insurance, what can you do to protect your carts?
You may want to consider storing the golf cart in a locked garage or on a golf course if they have storage facilities available. If this is not possible then it would be best to lock up the golf cart when it’s not being used and try using security cables that cannot be cut when you are leaving the golf cart in public places.
What other types of golf carts exist?
There are four-wheeled golf carts that can be driven on streets and alleys with speeds up to 15 miles per hour, while there are also six-wheel golf carts that go much faster up to 25 mph which makes them street legal golf carts. There are also golf cart style utility vehicles which can be driven on roads, but they will have larger tires and a different look than most golf carts that you see.
If you want to discuss options for golf cart insurance, please call us at 561-732-9305. Our quoting hours are Monday through Friday from 8:30 AM to 5:00 PM. In addition, you can request a quote online. Please remember, We Handle All the Work, While You Save!
Robert Macoviak is the President of Oyer, Macoviak and Associates. Oyer, Macoviak and Associates is the oldest independent insurance agency in Boynton Beach and has been in business since 1953. Oyer, Macoviak and Associates are vested members of the community who are committed to doing business face-to-face and being your insurance advocate in times of need.