Whether you’re enjoying a day on the links or cruising around your neighborhood, golf carts can be an enjoyable and convenient mode of transportation. However, these smaller vehicles, even with their relatively lower speeds, can still be involved in serious accidents. Additionally, golf carts likely represent a significant financial investment, necessitating appropriate insurance. But what type of insurance is suitable for your golf cart? At WalkerHughes Insurance we’re pleased to present guidance on the potentially complicated topic of insuring your golf cart for various uses.

 

You might take various approaches toward insuring your golf cart and protecting your vehicle and financial interests. Consider the following possibilities:

• Homeowners insurance—The personal possessions coverage portion of these policies may include your golf cart; however, standard insurance may not have sufficient coverage limits to pay for a total loss of your vehicle. Additionally, coverage may not apply if you take your golf cart off your own property, such as onto a course or public roads.
• Auto insurance—You may be able to retain coverage for your golf cart under a standard auto insurance policy. However, these policies may not be sufficient depending on the specifications of your vehicle or where you live and drive it.

Yes, many insurance carriers offer specialized golf cart insurance policies that may be customized and tailored to suit the unique coverage needs of these smaller vehicles. Insurance may often be required according to local and state laws or neighborhood association regulations, especially if you use your cart as a regular means of transportation on public roads or have made custom modifications to the vehicle. Fortunately, these policies can ensure you’re in compliance with relevant mandates and may include versatile coverage including the following protections:

• Bodily injury liability coverage can render financial aid if you’re at fault for an accident while driving your golf cart that causes bodily harm to another person.
• Property damage liability coverage may offset losses if you crash your golf cart into someone else’s vehicle or building, or otherwise cause third-party property damage.
• Collision coverage may help pay to repair or replace your vehicle if it’s damaged in a crash.
• Comprehensive coverage can financially protect your golf cart from theft, vandalism, fires and other noncollision perils.
• Guest passenger liability coverage can help pay for medical expenses if your passengers are injured while riding in your golf cart.
• Uninsured/underinsured motorist coverage may help you recoup losses after an accident if another party is at fault and lacks sufficient insurance.
• Custom equipment coverage can provide funds to replace or maintain modifications you’ve made to your vehicle, such as engine enhancement, lift kits and additional lighting.

 

At WalkerHughes Insurance, we’re well-versed in insuring golf carts and their owners. We will work with you to analyze where and how you use your golf cart, identify subsequent coverage needs and procure ideal policies.