Street Legal Golf Cart

Purchasing a street legal golf cart might make you think that the danger ends there, but it doesn’t. In fact, if your purchase is not appropriately insured then it can lead to thousands of dollars in losses from an accident. Many streets legal golf cart owners do not know that it is mandatory to have coverage in Florida. While you’re out on the golf cart, keep in mind that there are numerous things to watch for. Make sure you’re covered and pay attention to the many elements of your street legal golf cart’s exposure.

 

 

 

Frequently asked Street Legal Golf Cart Insurance Questions

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The average street legal golf car insurance policy is $912.00 per year in Florida.

The more you bundle, the lower your premiums are likely to be. If you have auto and home insurance, for example, but then you decide to add boat coverage as well, your premiums will drop by about 15% on average since this is an additional coverage. But you should check with your insurance company before you sign up to make sure that this is the case for your policy.

Street legal golf cart insurance is not available from every auto insurance provider, yet companies like Allstate, Progressive, Travelers, and Foremost do.

Most likely your homeowners insurance policy will not cover a street legal golf cart.

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Street Legal Golf Cart Insurance Coverage

Below are some insurance coverages to consider for street legal golf carts.

Bodily Injury Coverage: Bodily injury coverage is required in Florida for street legal golf carts. It is important to understand the requirements of the law and buy enough golf cart insurance to meet them.

Property Damage Liability: This coverage deals with damage caused to another person’s property.

Uninsured and Underinsured Motorist Coverage: This coverage compensates you and your family if an uninsured or underinsured motorist causes injuries to you.

Personal Injury Protection: Personal injury protection covers injuries sustained by the owner and passengers.

 

Medical Payments: This coverage pays for medical expenses regardless of who is at fault for an accident.

Collision Coverage: This pays for damage to your cart caused by collisions with other carts, cars, trucks, trees, guardrails etc.

Comprehensive Coverage: This coverage pays for damage to your cart caused by incidents other than collisions, such as fire, theft, or vandalism. Golf course owner’s insurance usually does not provide this type of protection either.

At Oyer, Macoviak and Associates we are not captive to one insurance company so we can shop the different insurance companies to give you the best coverage with the best rate.