Golf carts are more than just vehicles for the golf course. They’re used in various settings, from retirement communities to large estates, making golf cart insurance an important consideration for owners12. This article may help you gain a deeper understanding of the golf cart insurance coverage, liability insurance for golf carts, golf cart insurance requirements, and related topics.
How Much Does Golf Cart Insurance Cost?
The cost of golf cart insurance can vary greatly depending on the coverage you choose. A basic golf cart insurance policy with liability coverage can cost as little as $75 a year1. However, adding other types of insurance like collision and comprehensive coverage, medical payments, uninsured motorist coverage, or accessory coverage can increase the cost1. On average, golf cart insurance can cost anywhere from $100 to $600 per year3. This range is broad because it needs to account for different uses, from simple golf course cruising to street-legal carts3.
Does Car Insurance Cover Golf Cart Accidents?
Typically, car insurance policies do not cover golf cart accidents456. Car insurance policies generally cover vehicles with Vehicle Identification Numbers (VINs) that are designed and licensed for road use4. However, there are scenarios where your golf cart could be covered under different types of insurance, depending on the circumstances of the accident and your policy details4.
Do You Need Insurance on a Golf Cart?
If you plan to drive your golf cart on public roads, your state, county, city, or town may require you to have golf cart insurance1. Even if you’re not required to have it, it’s worth considering1. Golf carts can incur damage or cause accidents just like any other vehicle7. Coverage types include property damage liability, bodily injury liability, and collision, among others7.
In conclusion, while golf cart insurance may not be mandatory in all situations, it’s a good idea to have it if you frequently use your golf cart outside of a golf course. Always check with your local regulations and insurance provider to ensure you have the appropriate coverage for your needs.
I hope this article helps you understand golf cart insurance better. If you have any more questions, feel free to ask!
Related Q&A
| Q1: What does golf cart insurance coverage typically include? A1: Golf cart insurance coverage typically includes liability coverage for bodily injury and property damage, collision coverage for damages to the cart, comprehensive coverage for theft or non-collision incidents, and optional coverage for medical payments. Q2: Why is liability insurance important for golf carts? Q3: What are the common insurance requirements for golf carts? |