Do Golf Carts Need Insurance? It Depends…
You love cruising around the course in your golf cart, but have you ever considered golf cart insurance? The answer, like a good golf swing, depends on a few factors.
The Law and Your Location
Mandatory in Some Places: In certain regions, golf cart insurance might be mandatory by law, especially if your cart is classified as a Low-Speed Vehicle (LSV) that can be driven on public roads. Places like Australia require compulsory third-party insurance for LSVs. Check your local DMV or Department of Transportation for specific regulations.
Homeowners Insurance Might Not Suffice: Even if you don’t plan on venturing onto public roads, your homeowner’s insurance policy might not cover your golf cart in the case of an accident. Some policies offer endorsements to extend coverage to golf carts, but there might be limitations on usage or location.
Considering the Risks
Peace of Mind: Even on private property, accidents can happen. Golf cart insurance provides peace of mind, knowing you’re financially protected if you injure someone or damage property in an accident caused by your golf cart.
The Value of Your Cart: If your golf cart is a high-end model or has special modifications, insurance can protect your investment in case of theft, vandalism, or damage from fire or weather events.
Finding the Right Coverage
Standalone Policies: Many insurance companies offer standalone golf cart insurance policies that can be tailored to your specific needs and usage.
Endorsement to Existing Policy: In some cases, you might be able to add your golf cart as an endorsement to your homeowner’s or auto insurance policy. Be sure to understand any limitations or exclusions that might apply.
The Final Drive
There’s no one-size-fits-all answer to golf cart insurance. By considering your local regulations, the value of your cart, and your comfort level with risk, you can make an informed decision. Remember, a little insurance can go a long way in protecting yourself from unexpected financial burdens.
We recommend you contact your insurance provider as every plan is unique.
If you plan to drive your golf cart on public roads, you might need golf cart insurance, depending on your state, county, city or town.
Even if your area doesn’t require golf cart insurance, you might want to think about getting it. As useful (and fun) as a golf cart is, it’s also a potential injury hazard.
What Does Golf Cart Insurance Cover?
Golf cart insurance has many similar coverage types to a typical car insurance policy. For example, you can buy coverage to help pay for injuries, damage to someone else’s property or repairs to your golf cart if it gets cracked up in an accident. Here are some common coverage types that you can typically get with golf cart insurance:
- Property damage liability insurance. This pays if your golf cart damages someone else’s property—such as a crash into your neighbor’s fence.
- Bodily injury liability insurance. If you cause an accident in your golf cart and someone gets hurt, this pays for their medical bills. It also pays for your legal defense in case you’re sued because of an accident.
- Collision insurance. If your golf cart is damaged in an accident, this pays for repair.
- Comprehensive insurance. This pays if your golf cart is stolen or damaged by a problem like a fire, flood, hail or falling object (like a tree branch).
- Medical payments. This pays for medical expenses if you or your passengers are hurt in a golf cart accident. Uninsured/underinsured motorist bodily injury insurance. This pays for your own medical bills if you are in an accident with another driver who doesn’t carry insurance or doesn’t have enough insurance.
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