Part of the reason golf carts have become so popular as of late is that people can use them for more than just golfing these days. While many golfers still take them out on the golf course when they’re playing 18 holes, golf carts are also used in many retirement communities as well as on college campuses and commercial properties.
If you’re not driving one yet, you should consider investing in a golf cart soon. You should also learn more about golf cart insurance before you do.
Keep reading to find out what golf cart insurance is and what it will cover once you purchase a golf cart insurance policy.
What Is Golf Cart Insurance?
Golf cart insurance, much like vehicle insurance, will cover you and your golf cart in the event of an accident.
If you ever run into another golf cart, a person, a building, or something else while operating a golf cart, you’ll want to have an insurance policy in place to prevent you from being forced to pay out a large amount of money as a result of the accident.
There are a few different types of golf cart insurance coverage that you can choose from when you decide to insure your golf cart.
The insurance coverages include:
- Property damage liability coverage
- Bodily injury liability coverage
- Collision coverage
- Comprehensive coverage
We’ll talk briefly about what each type of golf cart insurance covers in a minute. But first, let’s discuss who needs to insure a golf cart and how much it could potentially cost.
Who Needs Golf Cart Insurance?
There are some golf cart owners who will need to purchase a golf cart insurance policy, regardless of whether or not they want to do it.
There are certain states, like Arizona, that require golf cart owners to pick up a policy if they plan on using their golf cart out on a public road. There are other states that are more lenient and don’t require golf cart owners to take this step.
But even if your state doesn’t make you buy insurance for your golf cart, it’s still a good idea to think about doing it. It could really come in handy if you ever encounter an issue with your golf cart.
How Much Will It Cost to Purchase Insurance for a Golf Cart?
Buying insurance for a golf cart isn’t as expensive as you might think.
While the actual cost for golf cart insurance will vary from state to state and insurer to insurer, you can purchase insurance plans for a golf cart for as low as just $50 per year in some places.
The cost could, of course, be more than that, depending on a number of factors. But it’ll prove to be well worth it once you experience the peace of mind it delivers for yourself.
Now that you know a little bit more about who needs golf cart insurance and how much it’ll cost you, check out more about the types of coverages available to you.
How Property Damage Liability Could Help You
When you’re behind the wheel of your golf cart, there’s a chance you could hit something and cause damage to it. You could then be forced to pay to make repairs to whatever it is that you hit.
You won’t have to worry about doing that when you have property damage liability coverage for your golf cart. If you’re ever involved in an accident and do damage to a vehicle, building, or something else, the necessary repairs will more than likely be covered by your insurer.
Why Bodily Injury Liability Is Important
While driving your golf cart, you may, unfortunately, hit something a lot more valuable than a parked car or the side of a building. You may run into a person and cause them to experience an injury.
Bodily injury liability coverage will ensure that you don’t end up paying a bunch of medical bills and other expenses tied to the injury.
Even if your insurer discovers that you were in the wrong during the accident, they will often times cover the costs associated with it so that you won’t have to.
What Collision Coverage Will Cover
Property damage liability coverage will cover the cost of repairs to objects that you hit when driving your golf cart. But it more than likely won’t cover the cost of repairs that need to be made to your own golf cart.
That’s where collision coverage will step in and protect you. When your golf cart insurance policy includes collision coverage, your insurance company will help you pay for repairs that need to be made to your golf cart following an accident.
You may have been the one who caused the accident to take place. But even if that was the case, you will still be covered by your insurance plan. It could save you a fortune and help you get your golf cart back out on the road.
What Comprehensive Coverage Will Cover
When you own a golf cart, you need to worry about more than just accidents involving other vehicles and buildings.
You also have to worry about things like theft, fires, and natural disasters that could cause damage to your golf cart.
Comprehensive coverage is what you’ll want to get to provide yourself with protection from these types of incidents. You’ll be covered during just about any event you can imagine.
Select the Right Golf Cart Insurance Policy Today
Whether you’re driving around in a Star EV SS Limited or one of the other great golf carts on the market today, you should make sure you have the right golf cart insurance plan in place.
You should also educate yourself about golf carts before you begin driving one on a regular basis. It’ll make you a better driver and help you understand the ins and outs of your machine.
Check out our blog for more information on everything related to golf carts.