Golf carts have become a way of life in many of the communities we service, a symbol of the simplicity and freedom that living in Florida offers. But many people don’t realize is that their homeowners and auto policies likely won’t cover them in the event of a golf cart accident. Policies for these types of vehicles are very affordable, so contact us today to start your coverage. Enjoy the freedom your golf cart offers with peace-of-mind.
Types of Golf Cart Insurance
Liability Coverage (Both Bodily Injury and Property damage): This coverage protects in the event of personal injury of property damage in the event of an accident involving your golf cart.
Collision Coverage: This covers the cost of repairing your golf cart if it is damaged in a collision with another object, such as another golf cart, a tree, etc.
Comprehensive Coverage: This coverage reimburses you for nearly any other damage that may occur to your golf cart that doesn’t involve a collision.
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Do You Really Need Golf Cart Insurance?
Although your golf cart may not be your main transportation, there are many places you can go while driving them. Whether you are traveling on the green, around your neighborhood, across your property, or in some cases around town there are certain risks you face.So, do you need golf cart insurance?
Golf cart insurance may help cover repair costs if your golf cart is damaged or if you accidentally damage someone else’s property with your golf cart. If you are found legally responsible for an accident that damages another person’s property — a car or house, for instance — property damage liability coverage may help you pay to repair the damage.
Meanwhile, if you cause an accident that hurts another person, bodily injury liability coverage may help you pay for the other person’s medical bills and other related expenses. Collision coverage may help you pay for repairs to your own golf cart, regardless of who is at fault, if you collide with another cart or another object in an accident.
