Golf carts are popular both on and off the green these days as more people realize their utility in getting around retirement communities and campuses. Although they might feel safer than cars, there is still the potential to get into accidents or incur other damage while you are zipping around in these leisurely vehicles. Golf Cart Insurance allows you to ride around in your cart with the ultimate peace of mind.
Golf Cart Insurance Coverage
You can insure your golf cart with liability, collision, and comprehensive coverage, in addition to other options. The cost of a Golf Cart Insurance policy will depend on factors such as your chosen limits, coverages, and deductibles.
Liability coverage will help to pay for the medical bills of other parties involved in accidents for which you are at fault. It will also cover any related property repair costs. When you are deciding on limits for Liability Insurance, aim for the most protection that you can afford.
Comprehensive coverage will cover you for golf cart incidents that could not have been avoided on your part, such as weather damage, theft, or vandalism. This type of insurance is available with various deductibles.
Medical Payments Coverage
Although golf carts do not seem that dangerous on the surface, around 40 percent of emergency room visits related to golf carts involve someone falling out of the vehicle, sometimes onto public streets. Medical payments coverage can help with the medical bills incurred by you and your passengers in such accidents, regardless of who is at fault.
Uninsured/Underinsured Motorists Coverage
If you are involved in an accident with someone who does not have Liability Insurance or has insufficient coverage, this will protect you from having to dip into your own savings to cover the medical and repair expenses associated with the accident. It can also provide further financial protection should you be a victim of a hit-and-run accident.
Who Should Acquire a Golf Cart Insurance Policy?
Anyone who plans to use a golf cart on a property that is not their own should get Golf Cart Insurance. These vehicles may not have a very high top speed, but accidents can happen anywhere. Collisions are not the only potential problem; you could also damage someone else’s property while driving your golf cart.
It is a good idea to have a Golf Cart Insurance policy even if your state does not require it because it will protect you if your golf cart is stolen or damaged.
Reach Out To The Specialty Insurance Brokerage
If you own a golf cart and want to make sure all the bases are covered, reach out to the Specialty Insurance brokerage at Southern States Insurance, where experienced agents can help you find the right policy to address your specific needs. Give us a call at 888.971.6304 or request a quote online today.