Golf carts provide a fun and fuel-efficient way to get around. Whether it’s to tee time or the local grocery store, the conveniences that come with owning a golf cart are hard to deny. Unfortunately, most homeowner and insurance policies don’t cover accidents or other damages involving golf carts. Insurance agents at King Insurance can help provide the right coverage for your golf cart and alleviate any fears in the event of damages. To get insurance for your golf cart, contact our insurance agents today.
Do I Need Golf Car Insurance?
The answer is: it depends. A golf cart that goes no more than 15 mph and is used only on a golf course or personal property can easily be added to one’s homeowners insurance policy. If a golf cart is modified to reach speeds between 20 mph to 25 mph and is used to travel locally, such as in a neighborhood setting like The Villages, FL, then it must be properly titled, registered, and insured with both personal injury protection and property damage liability insurance. This coverage is typically not included in most standard insurance policies. Our insurance agents can help find the right policy for you based on your travel needs.
What Does Golf Cart Insurance Cover?
A golf cart insurance policy typically covers damages that may occur to property or bodily harm that is caused to involved parties. Our insurance company provides liability insurance for traditional golf carts as well as several other coverage options that work for any type of golf cart no matter how it’s used.
Comprehensive & Collision Insurance
Collision coverage pays for repairs or entirely replaces the golf cart in the event of a collision with another vehicle, regardless of who was at fault. Comparatively, comprehensive coverage covers any damages that occur due to uncommon circumstances such as fires, storm damage or theft. While these insurance policies aren’t required, they provide protection in the event that your golf cart needs to be quickly replaced and can save you the headache of figuring out how to pay for repairs.
Underinsured & Uninsured Coverage
Don’t let an accident involving a motorist with improper coverage be the reason for expensive medical bills or high repair costs. In the event of an accident with another motorist who lacks the proper insurance policies, underinsured and uninsured coverage will provide you with proper compensation for any injuries or damages that resulted due to another driver’s error. We’ll even take care of injured passengers and damaged equipment in the event of a crash.
Bodily Injury & Property Damage Liability Insurance
For golf carts that are driven on roadways, bodily injury and property damage insurance is a must. Not only is this coverage required by the State of Florida, it also covers instances of injuries or property damage that may be incurred due to an accident. Bodily damage insurance covers medical costs due to injuries as a result of a crash and includes coverage for passengers and other parties involved. Property damage covers damages that occurred to property or other vehicles in the event of a crash — including fences, homes, and other pieces of personal property.
Golf Cart Insurance Cost
The price of insurance for a golf cart will depend entirely on the amount of coverage required for your golf cart. A golf cart with minor modifications used for golfing will have much different coverage than a heavily-modified golf cart meant for the streets. To get an accurate insurance quote, contact King Insurance today for help with your golf cart insurance! We’ll provide thorough information so you can ensure you have the right insurance policy for your needs.