Many gated, retirement or golf communities allow individuals to use golf carts for leisure activities. A golf cart is still a moving vehicle, which can cause damage or possible injury. Obviously, you’re not going to take your golf cart out on a public highway, but you may need to think about golf cart insurance to protect you, your family or others.
In many places, golf carts are recognized as a legal form of transportation. As such, you need to think about protecting yourself in the event of any legal action resulting from an accident that causes property or injury of a person.
Typically your homeowners or auto insurance does not cover golf carts (or ATV’s (All Terrain Vehicles)). Golf cart insurance can cover you no matter where you go. Traveling on your property, the golf course, or driving around the community to go visit a friend’s house.
There are many different types of insurance that you can choose for your cart.
- Collision – In the event that your golf cart is damaged in a collision, insurance will cover the damage to your cart.
- Medical Bills – Medical bill coverage for you or anyone else riding in the golf cart.
- Property Damage or Bodily Injury – Covering medical bills and any other injury related expenses that may be incurred as the result of a golf cart accident.
- Comprehensive – If your golf cart is damaged by anything other than a collision, coverage will be provided.
- Uninsured Motorist Property Damage – If your golf cart is damaged and someone else is at fault and they don’t have insurance or enough to cover the damages.
- Additional Coverage – Most policies won’t cover theft of personal belongings not related to your golf equipment. Such as your wallet, watch or rings.
Happy golf carting!