Golf Cart
Your golf cart can provide you and your friends and family a convenient and enjoyable way to get around. However, despite their relatively small stature and limited speeds, owning and operating these vehicles includes many of the same inherent risks and exposures as larger automobiles. With this in mind, securing appropriate golf cart insurance coverage should be a top priority.
How Does Golf Cart Insurance Work?
Like many types of insurance policies, purchasing coverage for your golf cart establishes a legal agreement between you and your insurance company. As long as you maintain your coverage and keep up with your premiums, you retain the right to file a claim following covered incidents. If approved, resulting payouts could be critical in limiting out-of-pocket losses and allowing you to repair, maintain or replace your vehicle.
What Does Golf Cart Insurance Cover?
A golf cart insurance policy’s details may vary significantly depending on your unique circumstances, including budgetary preferences, risk tolerance and vehicle specifications. In many cases, adequate insurance may be composed of the following features:
- Bodily injury liability coverage can help pay for losses arising from third-party injuries for which you are at fault, such as if you strike a pedestrian or other motorist with your vehicle.
- Property damage liability coverage can financially protect you from the consequences of damaging another party’s property while driving your golf cart.
- Guest passenger liability coverage can provide financial assistance if your guests or passengers are injured while riding in your golf cart and require medical services.
- Collision coverage can help with repair costs if your vehicle is damaged due to a crash.
- Comprehensive coverage can compensate you for losses arising from noncollision incidents, such as fires, vandalism or theft.
- Uninsured/underinsured motorist coverage may ensure you can recoup your losses even if another party is at fault and lacks adequate insurance.
Why Is Golf Cart Insurance Important?
Like all motor vehicles, golf carts can inflict significant bodily harm and property damage to other parties, and lacking adequate coverage could leave you having to pay for affected parties’ losses out of pocket. Furthermore, these vehicles also often represent expensive financial investments, making it necessary to retain the means to repair or replace them following potential accidents or incidents. You may even be legally obligated to purchase golf cart insurance, as some states require you to carry specific coverage, such as for bodily injury and property damage liabilities. Failing to adhere to these laws could incur various fines and penalties.
We’re Here to Help
As a trusted golf cart insurance broker, Stillman Insurance Group is ready and able to help you understand and secure an optimal policy at an ideal rate. Contact us today to get started.