Golf carts can be incredibly convenient, whether you are part of a country club community or are an avid golfer. While they may seem like leisurely vehicles that are far safer than cars, it is important to keep in mind that there are more than 15,000 emergency room visits related to golf carts in the U.S. each year. Thankfully, golf cart insurance can give you peace of mind as you enjoy all the benefits of having these great vehicles.
Golf Cart Insurance Coverage
If you have a golf cart, golf cart insurance might be required by your state or Homeowner’s Association, but it may be a good idea to have coverage even if you are not specifically required to buy it.
There are several types of golf cart insurance available, including liability, comprehensive and collision, uninsured motorist, and medical payments coverage. The right type for you depends on how and where you use your golf cart.
Liability Coverage
Liability coverage will help to pay for the medical bills of any other parties involved in your golf cart accident, along with the costs of repairing their property. This can save you significant out-of-pocket money depending on the extent of the damage. It is a good idea to get as much liability protection as you can afford.
Comprehensive & Collision Coverage
If you are at fault in an accident involving your golf cart, collision coverage will help you to pay for damage caused to your cart, along with the cost of repairing your cart should you be involved in an accident in which an uninsured motorist is at fault.
Comprehensive coverage will cover incidents that cannot be avoided on your part, such as weather damage, vandalism, and theft. Various deductibles are available for these types of insurance.
Uninsured Motorist Coverage
When your cart is hit by someone who has insufficient liability insurance or none at all
and you and/or your passengers are injured or your golf cart is damaged, this type of coverage can give you financial protection. It also applies to hit-and-run accidents.
Medical Payments Coverage
Medical payments coverage will help to pay for the medical bills incurred by you and the passengers in your golf cart, no matter who is at fault. This can be particularly useful if you do not have good health insurance.
Keep in mind that around 40 percent of the ER visits related to golf cart accidents involve someone falling out of the cart; half of these occur on golf courses and the remainder happen on streets and other public property, where risks can be greater.
Optional Equipment Coverage
When you customize your golf cart and make it your own, you need to protect your investment. Consider optional equipment coverage if you have given your cart some personal touches.
Speak To Experienced Specialty Insurance Brokers
No matter how responsible you are with your golf cart, it is always a good idea to have insurance to cover all eventualities. Reach out to the experienced specialty insurance brokers at Merchant Family Agency to learn about the right golf cart insurance coverage for your needs. For more information, please give us a call at 407.707.6418 or request a quote online today.