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Golf Cart Insurance – Do You Need It?
Why do you need golf cart insurance? Golf cart accidents can and do happen. While driving a golf cart, you can injure someone, become injured, or damage property, especially when you drive your golf cart on streets. When such an accident occurs, you will be liable for the cost of repair, replacement, medical bills and lost wages. Unless you do not mine losing money, it is best to have insurance.
In some states, e.g., Arizona, you are required by law to have at least liability insurance to drive a golf cart on public roads. Check your local legislation to know when you are required to have insurance. Even if it is not mandatory, it does not mean you do not need it. There is always the risk of damaging your vehicle or someone stealing it.
Do Auto and Home Insurance Cover Golf Carts?
While home insurance does offer some coverage, it only protects your golf cart on your own property and only to a limited extent. So if you want to drive your golf cart on public roads or take it to a golf course, that coverage will not be sufficient. Car insurance does not usually cover golf cart accidents. However, it may be possible to increase the coverage under either an auto or home insurance policy by adding an endorsement to the policy.