What is golf cart insurance?
Golf cart insurance is a type of policy designed to protect owners of both recreational and street-legal golf carts. It provides coverage for accidents, theft, and liability, ensuring you’re financially protected whether you’re cruising on the course, in your community, or on the road (for street-legal golf carts). This insurance safeguards your investment and helps you comply with local regulations where coverage may be required, especially in Florida’s golf cart-friendly neighborhoods.
What does golf cart insurance cover?
Golf cart insurance typically offers the following coverages:
Liability
Protects you against costs if you are responsible for injuries or property damage.
Collision
Pays for damages to your golf cart from a collision, regardless of fault.
Comprehensive
Covers non-collision-related incidents like theft, vandalism, fire, and weather-related events such as hurricanes.
Uninsured and Underinsured
Provides protection if you’re involved in an accident with someone who doesn’t have adequate insurance.
Medical Payments
Covers medical expenses for injuries sustained by you or your passengers.
Accessory Coverage
Protection for custom upgrades or accessories like windshields, paint jobs, or headlights.
Street-Legal Coverage
Additional protection if your golf cart is used on public roads and complies with Florida’s regulations for street-legal golf carts.
What doesn’t golf cart insurance cover?
- Mechanical Breakdown: Wear and tear or regular mechanical failures are not covered.
- Unauthorized Drivers: Damage caused by someone not listed on the policy.
- Using a Non-Street-Legal Cart on Public Roads: Incidents involving non-street-legal carts driven in unauthorized areas may not be covered.
- Intentional Damage: Damage done intentionally by the owner or someone else.
- Events Above Policy Limits: If damages or claims exceed your policy’s coverage limits, you may be responsible for the difference.
- Excluded Events: Specific events not listed in your policy, such as certain natural disasters, depending on the coverage type.
What are the right questions to ask to find the best golf cart insurance?
- Is coverage required for my type of golf cart in Florida?
- Does the policy cover both recreational and street-legal golf carts?
- What level of liability coverage is recommended for my area?
- Are damages from hurricanes or floods included in the policy?
- Does the policy include comprehensive and collision coverage?
- Am I covered when using the golf cart off the course or on public roads?
- What happens if my upgraded accessories, like custom wheels or seats, are damaged or stolen?
- Are there discounts for bundling my golf cart insurance with other policies, like home or auto?
- What is the claims process like and how quickly are claims handled?
- What are the policy limits, deductibles, and any exclusions I should know about?
