What does golf cart insurance cover?

If you're liable for injuries or property damage while riding in your golf cart, liability insurance coverage on your golf cart policy may cover you, up to your coverage limits. Golf cart insurance can also cover damage to your golf cart, regardless of fault, as well as medical bills for injured passengers.

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Do you need golf cart insurance?

Just like golf cart driving requirements, insurance requirements for golf carts vary from state to state, but liability coverage is often required. If you own your golf cart, there's a good chance that you use it for more than getting around the golf course. Many golf cart owners treat their cart as a secondary mode of transportation for getting around their neighborhood, taking light shopping trips, or getting to and from the golf course.

If you drive your golf cart on the road in some states or towns, liability coverage, even if it's not mandated, is critical if you're responsible for injuries or damages in a golf cart accident. Safety+Health magazine cites over 150,000 injuries involving golf carts that required medical attention in the emergency room from 2007-2017.

Golf cart insurance coverages

Golf cart coverages function similarly to those on a car insurance policy:

  • Bodily injury liability: Liability coverage for bodily injury can pay for injuries you cause to others, including necessary medical bills, while driving your golf cart.

  • Property damage liability: Pays for damages you're responsible for while riding in your golf cart.

  • Collision: Collision coverage may pay to repair or replace your golf cart if you're in an accident, regardless of fault.

  • Comprehensive: Comprehensive coverage covers loss or damage to your golf cart from events beyond your control, such as theft, vandalism, glass breakage, fire, hitting an animal, and severe weather.

  • Uninsured motorist: Uninsured motorist coverage covers you if your golf cart is damaged and/or you (and your passengers) are injured in a golf cart accident and the other motorist is uninsured or has insufficient coverage.

  • Accessory coverage: Upgrades and customizations to your golf cart, such as a radio, seat cover, or paint job, can be covered, up to your coverage limit, if damaged in a golf cart accident. Progressive offers $3,000 in accessory coverage automatically if you carry comprehensive and collision. You may purchase additional coverage, up to $30,000.

Get a golf cart insurance quote online or call 1-855-347-3939 and obtain coverage before you hit the links.

Does car insurance cover golf cart accidents?

A standard car insurance policy typically won't cover your golf cart. Most golf carts aren't classified as cars, but in some cases can be classified as Low-Speed Vehicles, a separate class of transportation.

Are golf carts covered under homeowners insurance?

A golf cart may be covered under your homeowners insurance policy while it's on your property. However, once you leave your property, homeowners insurance may not cover your golf cart against damage. Most homeowners insurance policies won't cover a golf cart that's registered to be driven on roads.

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