Golf carts serve multiple purposes, which may include moving people and equipment on a golf course, traveling within a gated or retirement community, and traversing a large piece of property. In some areas, golf carts may even be street legal. While most people use their golf cart for part-time activities, the potential to be involved in an accident or other incident that may result in property damage is very plausible. Therefore, opting to insure a golf cart has definite benefits.
Types of Coverage
Similar to car insurance, golf cart coverage can include many different components. Bodily injury and property damage liability coverage generally compensates the other party in a golf cart accident when he or she is determined not to be at fault. Comprehensive insurance provides compensation when a golf cart is damaged in an incident other than an accident. Cart owners may also choose a medical option that will cover the vehicle’s occupants if they are injured while using the cart. Uninsured motorist coverage is also available in the event that a golf cart is damaged in an accident that was caused by a driver who lacks insurance. Trailers that are used to transport golf carts may also be covered by a golf cart policy. Some carriers even offer roadside assistance and accessories coverage for people who have had their golf cart outfitted with a stereo, custom seats, or other valuable upgrades.
Golf cart owners should at the very least consider basic insurance coverage that will cover repair work and expenses that may arise from injuries that are sustained during an accident. Major insurance companies that also offer automobile and other vehicular insurance often also have coverage options for golf carts. Therefore, consumers may save money by combining their golf insurance as part as a bundle with other policies they hold with their current insurer. Overall, an important rule of thumb is that it is better to be safe than sorry; accidents can even happen when driving a golf cart.