Golf Cart Insurance

For the most part, a golf cart is intended to get players from one green to another. However, some owners use their carts as a means of transportation around their neighborhood, retirement community, or condo complex. Other enthusiasts customize their golf carts, or “buggies,” for off-road driving. Regardless of where you use your golf cart, golf cart insurance can help you protect your cart and insulate you against liability lawsuits. When you drive your golf cart off your property, most homeowner’s policies cease to offer protection, which is why specialty coverage is necessary. In this post, we’ll discuss golf cart insurance in more detail and explain what it can do for you.

About Golf Cart Insurance

Also called sport vehicle insurance, golf cart insurance offers similar protection to a traditional auto policy but is tailored for the specialized claims needs of golf cart owners. Though most major insurers offer golf cart insurance in some form, the coverage may not be available in every state. Insurers that do offer coverage will typically insure both gas and electric golf carts for any noncommercial purpose. Here are some examples of the types of coverage included in a golf cart insurance policy:

• Property damage and bodily injury liability
• Comprehensive
• Collision
• Accessory coverage (sound systems, aftermarket tires or wheels, etc.)
• Roadside assistance
• Transport trailer coverage

Why You Need It

Most states require that low-speed vehicles, such as golf carts, that are used on public streets be registered with the Department of Motor Vehicles. In order to obtain registration, you will likely have to present proof of insurance for your golf cart. More importantly, if you were to hit someone or something while operating your golf cart, you would be financially liable for any damages and/or medical expenses that resulted from the collision. You would also have to pay to repair or replace your golf cart if it also incurred damages. Without an insurance policy, a collision or injury could put an extraordinary strain on your finances.

What Drivers Are Insured

It is illegal in most states for unlicensed drivers to operate a golf cart on public streets. Similarly, most golf cart insurance policies will not cover any losses unless a licensed driver was operating the vehicle at the time. With other policies, unlicensed drivers may be able to operate the vehicle off-road or on private streets if the insured is with the driver at all times. For specific details on which drivers are covered, contact your insurance company.

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