You absolutely must have golf cart insurance !
It’s essential that you find an insurance agent or company that writes full golf cart insurance coverage. .
Please don’t take this golf cart insurance matter lightly as there are thousands of golf cart accidents each year.
Make sure you are adequately protected and, take the time to understand the different aspects of your golf cart exposure.
Read the policy to exactly determine what coverage is provided.
Always ask the agent to specifically list your golf cart as an insured item under your policy.
Buy enough coverage to protect you and your assets. As a golf cart owner you need to have proper and adequate insurance.
Not all insurance companies offer golf cart insurance but companies like Geico, State Farm, Foremost and esurance do.
Here are some physical damage and liability points to consider:
- Adverse weather damage
- Pedestrian injury:
- Uninsured or under-insured motorist damage:Gives you extra protection in the case of a hit and run accident.
In addition, if another vehicle hits you, who has no liability insurance, you’ll be covered for medical and repair expenses.
- Property damage:Collision damage and repair costs.
- Personal, passenger injury and Medical payments:Helps cover medical bills for you and your passengers, regardless of who is at fault in an accident.
- Optional equipment coverage:Ensure that you have all your accessories covered.
Golf cart insurance may not be covered under your Homeowners Policy:
Remember that your golf cart may not be covered in your Homeowners Policy so make sure you read the fine print.
This can be an expensive liability if you misunderstand your policy. You may be unprotected if you have a crash.
Insuring your golf cart does not necessarily make it street legal:
To be street legal your golf cart must be properly insured as such.
It must be properly licensed and registered with a license plate and a VIN (Vehicle Identification Number), and you must meet your states motor vehicle insurance requirements.
Golf carts may be perceived as a low-risk, low-speed form of transportation, but the increased frequency of personal injuries resulting from golf carts points to the need for all of us to slow down, enjoy the ride, avoid accidents but at the same time have adequate golf cart insurance.
Disclaimer: This article is of a general nature only and is not intended to provide legal advice. You should consult a competent legal counsel should you require it..
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