Why Golf Cart Insurance Is Essential Beyond the Golf Course

Golf carts can be convenient and enjoyable vehicles, allowing you and your passengers to traverse short distances while enjoying the wind in your face and the world around you. However, even with their relatively small stature and limited speeds, golf carts are still motor vehicles and thus require owners and operators to take precautions. Understanding golf cart insurance options and retaining sufficient coverage must be a top priority.

What Is Golf Cart Insurance?

As its name suggests, these policies can offer specialized coverage for these smaller motor vehicles. Many elements of golf cart insurance policies may resemble protections available in coverage for other automobiles, including cars and motorcycles. When shopping for golf cart coverage, you may want to ensure the following protections are included:

• Bodily injury liability coverage

• Property damage liability coverage

• Collision coverage

• Comprehensive coverage

• Guest passenger liability coverage

• Uninsured motorist coverage

• Underinsured motorist coverage

• Accessory coverage

Having appropriate coverage can be critical to help ensure compliance with applicable legal and lender requirements. A sufficient policy can also limit out-of-pocket losses that might otherwise devastate your finances.

Is Coverage Required?

Legal mandates regarding golf cart insurance can be a complicated subject. For example, Florida does not require you to carry coverage if you use your vehicle on private property and to traverse the links. However, requirements and classifications can change depending on your vehicle’s specifications and if you plan to drive on public roads.

What Is a Low-speed Vehicle?

Many golf carts can be considered low-speed vehicles in the eyes of the law. This classification generally entails your golf cart being capable of traveling faster than 20 mph and driving on public roads. Once your golf cart is considered a low-speed vehicle, your insurance-related requirements change, and you’ll likely need to retain a policy that at least includes property damage liability coverage and personal injury protection. Failing to adhere to these mandates could lead to fines and other penalties.

We’re Here to Help

Contact Iron Rock Insurance today to learn more about insurance options and requirements related to golf carts.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.