Insurance for Golf Cart

Golf carts are not just for the golf course. They can be used in gated communities, retirement homes, and even on the streets for short trips. However, just like any vehicle, it is important to have insurance coverage for your golf cart. You may be wondering what type of insurance you need for your golf cart, and how much it will cost. In this article, we will provide all the information you need to know about insurance for golf carts.

Types of Insurance for Golf Cart

Before we discuss the types of insurance for golf carts, it is important to understand that golf carts fall under the category of low-speed vehicles (LSVs). According to the National Highway Traffic Safety Administration (NHTSA), LSVs are four-wheeled vehicles with a top speed of 20-25 mph, and are typically used for short trips for transportation or errands. Here are the types of insurance that LSVs, including golf carts, may need:

Liability Insurance

Liability insurance is required in almost all states for any vehicle, including golf carts. This type of insurance covers damages or injuries you may cause while operating your golf cart. It is important to have liability insurance because accidents can happen even on a golf course.

Collision Insurance

Collision insurance will cover damages to your golf cart caused by a collision with another vehicle, tree or any other object. This type of insurance is optional, but it can be helpful if you frequently use your golf cart on public roads or in crowded areas.

Comprehensive Insurance

Comprehensive insurance covers damages to your golf cart caused by theft, vandalism, fire and natural disasters. This type of insurance is also optional, but it can provide peace of mind if your golf cart is stored outdoors or in an area with high crime rates.

How Much Does Insurance for Golf Cart Cost?

The cost of insurance for golf cart will depend on several factors, such as the make and model of your golf cart, your location, and the coverage you choose. However, on average, you can expect to pay around $200 to $500 per year for liability insurance, and additional $100 to $200 per year for collision and comprehensive insurance.

FAQ

Do I Need Insurance for My Golf Cart?

It depends on where you plan to use your golf cart. If you only use it on a golf course, you may not need insurance because most golf courses have their own liability coverage. However, if you plan to use your golf cart on public roads or in gated communities, you will need insurance.

How Do I Get Insurance for My Golf Cart?

You can get insurance for your golf cart from any auto insurance company that provides coverage for LSVs. You can also check with your current auto insurance provider to see if they offer golf cart insurance.

What Information Do I Need to Get Golf Cart Insurance?

To get golf cart insurance, you will need to provide information such as the make and model of your golf cart, your location, your driving history, and the coverage you want. It is also important to inform your insurance provider if you plan to use your golf cart on public roads.

What Happens if I Get into an Accident with My Golf Cart?

If you get into an accident with your golf cart, you should report the incident to your insurance provider as soon as possible. They will investigate the accident and determine who is at fault. Depending on the coverage you have, your insurance provider will pay for damages or injuries caused by the accident.

Can I Use My Golf Cart on Public Roads?

It depends on where you live. Some states allow golf carts to be used on public roads, but they must meet certain safety standards such as having seat belts, headlights, and taillights. You should check with your local Department of Motor Vehicles to see the requirements for using a golf cart on public roads in your area.

Conclusion

Insurance for golf cart is important if you plan to use your golf cart on public roads or in crowded areas. Liability insurance is required in almost all states, while collision and comprehensive insurance are optional but can provide added protection. Getting insurance for your golf cart is fairly easy, and the cost is affordable. If you have any further questions about golf cart insurance, be sure to consult your insurance provider.