Automobile insurers often claim that their policies do not provide coverage for golf carts. Generally, the policies limit coverage to vehicles that are designed to be used on public streets and highways. Most manufacturers of golf carts specifically instruct owners not to use the golf cart on public roads.
Does my insurance cover a golf cart on the course?
The use of a golf cart on a golf course is typically covered for Liability only on a homeowner’s insurance policy. There may be circumstances that require a policy to be endorsed to include this coverage. In other cases, it may be added by an automatic endorsement.
Can you use a golf cart on the course?
Using a Golf Cart on the Course The use of a golf cart on a golf course is typically covered for Liability only on a homeowner’s insurance policy. There may be circumstances that require a policy to be endorsed to include this coverage.
Why did State Farm deny my golf cart insurance claim?
When the daughter and her parents were faced with a claim, they sought coverage under their personal automobile policy. However, State Farm denied the claim because the golf cart did not qualify as a “car” under the policy which defined a car as “a land motor vehicle with four or more wheels, which is designed for use mainly on public roads.”
How do I get a golf cart or LSV insurance discount?
As with auto insurance, one of the best ways to obtain a significant discount is to buy your golf cart or LSV policy from an insurer with which you already do business. This is often referred to as a "bundling" or "multi-policy” discount. If your LSV needs an auto policy, make sure you ask for a multi vehicle discount.
Does umbrella policy cover golf cart?
Umbrella Insurance: What's Excluded While umbrella insurance is comprehensive, there are some exclusions, according to Travelers, such as: Damages expected or intended by the insured. Liability arising from certain exotic vehicles, such as aircraft and jet skis. (Snowmobiles and golf carts usually are covered.)
What happens if a golf cart hits a car?
When these two vehicle types collide, the negligent party may be liable. If a golf cart operator causes a collision with a motor vehicle, then they may be liable for passengers' injuries. If the motor vehicle operator caused the accident, then they may be liable for resulting damages.
Do you need insurance on a golf cart in Ontario?
In Ontario, off-road vehicles are generally required to have liability insurance, but not all motorized vehicles are considered off-road. Several types of vehicles – including golf carts and self-propelled farming vehicles – are exempt from the Off-Road Vehicles Act.
Is golf cart insurance required in Florida?
Florida doesn't require insurance for golf carts. But low-speed vehicles, or LSVs, are a separate category from golf carts in Florida and are required to have minimum liability coverage.
Does getting hit by a golf cart hurt?
These are painful, but generally don't result in major permanent injury or death. However, there are other less common results for a golf cart accident.
Is driving a golf cart easier than a car?
For the most part, driving a golf cart is very similar to driving a car—it just operates at a legal maximum speed of 25 mph. You'll most likely operate an electric golf cart, although there are gas-powered models too.
Do you need insurance on a golf cart?
Most clubs require you to have Public Liability when using a Golf Buggy. All Golf Care insurance policies come with Public Liability when using a buggy. If you want to protect your buggy for theft, loss or damage you should add Golf Buggy Insurance to your policy.
Can golf carts be driven on the road in Ontario?
Golf carts are not allowed on Ontario roads: OPP “Though golf carts may resemble other low-speed vehicles, they are not typically equipped to meet the requirements for low-speed vehicles as defined by the Highway Traffic Act and the Motor Vehicle Safety Act (Canada),” police said.
Do you need a license to drive a golf cart in Canada?
Golf carts can be operated only by people older than 16 with a valid driver's license.
How much does golf cart insurance cost in Florida?
If your golf cart is not registered with the FL DMV, you should be able to cover your Golf Cart with a simple endorsement to your home insurance or a stand-alone Golf Cart insurance policy. The cost of both options is relatively small (usually between $70-$150 per year), but I'd strongly suggest the stand-alone policy.
Can I drive a golf cart on the road in Florida?
In general, Florida only allows you to drive a golf cart on a highway if it divides a subdivision, trailer park, or golf course. You do not have to title or register a golf cart with the state, either.
Is a golf cart considered a motor vehicle in Florida?
Golf carts are defined in section 320.01(22), Florida Statutes, as “a motor vehicle that is designed and manufactured for operation on a golf course for sporting or recreational purposes and that is not capable of exceeding speeds of 20 miles per hour.” Golf carts may be operated on roadways that are designated for ...
How far away from a golf course is a golf cart required to be registered?
For example, in California, registration of a golf cart isn't required if it's operated within one mile of a golf course. And in South Carolina, a golf cart must be operated within four miles of the address on the registration.
What is the speed limit for a golf cart?
Common restrictions include: limiting golf cart operation to only roadways where the posted speed limit is 25 to 45 miles per hour or less. limiting golf cart operation to only during daylight hours or from sunrise to sunset. requiring the golf cart driver to have a valid driver's license, and. only allowing drivers who are at least 14 ...
How fast can a golf cart go?
Definitions vary, but in many states, a golf cart is specifically defined by statute as a vehicle that is designed to: 1 operate on a golf course for recreational purposes 2 carry golf equipment 3 carry no more than two people 4 operate at maximum speeds of 20 miles per hour 5 have at least three wheels in contact with the ground, and 6 have a maximum empty weight of 1,300 pounds.
How fast can you drive a golf cart?
operate on a golf course for recreational purposes. carry golf equipment. carry no more than two people. operate at maximum speeds of 20 miles per hour. have at least three wheels in contact with the ground, and. have a maximum empty weight of 1,300 pounds.
Can you drive a golf cart on public roads?
Operating a Golf Cart on Public Streets. In most states, golf carts are exempt from registration and insurance requirements. States with these exceptions generally don't permit golf carts to be operated on public roads or streets.
Can you get arrested for driving a golf cart?
In most states, you can be arrested for driving a golf cart while under the influence of alcohol or drugs. Many states categorize a golf cart as a motor vehicle and a person who operates a motor vehicle on premises open to the public while under the influence can be charged with a DUI. A golf course or resort would generally be considered premises open to the public. Therefore, even if an intoxicated person isn't driving a golf cart on a public street, the driver can be charged with a DUI under the laws of many states. (Read more about how DUI is defined .)
Can you drive a golf cart while under the influence?
Driving a Golf Cart While Under the Influence. In most states, you can be arrested for driving a golf cart while under the influence of alcohol or drugs. Many states categorize a golf cart as a motor vehicle and a person who operates a motor vehicle on premises open to the public while under the influence can be charged with a DUI.
How much does golf cart insurance cost?
Here is some general information on monthly costs: You may pay as little as $4 a month. If you add golf cart coverage to your current homeowner's insurance.
What is golf cart insurance?
KEY TAKEAWAYS. Golf cart insurance is an insurance policy that covers damage to your golf cart and damage that your golf cart causes. Buying golf cart insurance depends on where you ride and how you use your golf cart. It covers bodily damage liability, property damage liability, collision and comprehensive damage to your cart.
Do you have to have liability insurance on a golf cart?
Not every policy will let you add the golf cart as a rider to your homeowner's insurance policy. Sometimes, you'll have to get it separately. Think about Florida and Arizona, where the weather is warm where and riding around in a golf cart, even on public roads, is almost a way of life. In fact, in Arizona, if you drive a golf cart on the road, you are required to have liability insurance on your golf cart.
Can you drive a golf cart in a retirement community?
But before you hop on, be sure to check out the insurance requirements for the state you'll be driving it in.
Does golf cart insurance cover off road driving?
Other states, like Arizona and North Carolina have set minimum coverages required for any golf cart that will travel on public roads. If you won't be driving the cart on public roads, it's still a good idea to get some insurance coverage for an off-road vehicle.
What is automatic endorsement?
An automatic endorsement is an insurance company’s way of including this coverage line without making it a part of their standard, unendorsed policy language. Some high-value homeowners’ policies cater to a clientele that is more likely to have a golf cart for this type of use and so this endorsement is added to policy automatically, ...
Do you need additional coverage for a golf cart?
However, if the golf cart is licensed for road use and is used on a public thoroughfare, additional coverage is more than likely required . Policyholders with vacation properties in resort towns will often have a golf cart they use for short runs to the store, the clubhouse, etc.
Can homeowners have gaps in coverage?
But, homeowners must be aware of the policy restrictions that may exist so that they do not experience gaps in coverage, which can lead to unpaid claims. Here are a few scenarios pertaining to a homeowner’s use of a golf cart and how coverage applies as well as where additional coverages may be obtained: 1. Using a Golf Cart on the Course.
Do golf carts need insurance?
However, in some scenarios, golf carts that are restricted to specific types of use may receive coverage from a homeowner’s policy. This is often the most economical means of obtaining insurance for these types of vehicles. But, homeowners must be aware of the policy restrictions that may exist so that they do not experience gaps in coverage, ...
Can you use a golf cart as a road vehicle?
Custom golf carts are becoming a more regular sight and these vehicles are often lifted or enhanced with additional speed and horsepower. Some of these vehicles may be licensed for road use and rival 4-wheelers with their speed and all-terrain capabilities. If you plan to use your golf cart as a road vehicle, it is important ...
Do homeowners own golf carts?
Many homeowners own their own recreational vehicles. One of the more unique scenarios within the realm of Personal Insurance occurs when there is a need to find insurance for a homeowner’s golf cart. Oftentimes, vehicles such as four-wheelers are driven off the premises or on the road, so a policy needs to be bought for this type of use.
Is a golf cart covered by homeowner's insurance?
The use of a golf cart on a golf course is typically covered for Liability only on a homeowner’s insurance policy. There may be circumstances that require a policy to be endorsed to include this coverage.
How do I insure a golf cart?
Quick Answer List: Should I insure my golf cart? 1 Home or auto insurance may cover a standard cart not licensed for use on a public road. 2 If the cart has modified speed, a separate mini auto or golf cart policy may be required. 3 Golf cart coverage is required in some states. 4 Even if you only use your cart at a club, home or auto coverage may not be sufficient for every hazard you face.
Do you need a specialty policy for a golf cart?
If you have a golf cart model with a speed modification, or one that you have licensed for use on a public road—such as driving around a neighborhood—then you may need a specialty policy for low speed vehicles. In fact, your state may require your cart to be insured like a traditional auto, not to mention any community clubs or homeowner ...
Does home insurance cover a golf cart?
Home or auto insurance may cover a standard cart not licensed for use on a public road. If the cart has modified speed, a separate mini auto or golf cart policy may be required. Golf cart coverage is required in some states.
Do you have to have a separate recreational vehicle policy on a golf cart?
If you own a golf cart, be sure to purchase a separate recreational vehicle policy on the golf cart. By doing so, you don’t usually have to worry about the non-golfing use that hese vehicles are bound to be used for. And also, by doing this, hopefully you will not end up in the headlines of the local paper.
Does a homeowners policy cover a golf cart?
Most industry standard homeowners policies will provide liability coverage for the use of an owned golf cart if: it is used to service your premises (like going to get the mail at the mailbox, etc) it is being used to play golf on a golfing facility. it is being used inside a residential community in which the by-laws specifically allow their use ...
How many golf cart accidents are there in 2019?
With a top speed of 15 miles per hour, you don’t typically think of golf carts as being involved in serious accidents. However, according to the Consumer Products Safety Commission, there are approximately 15,000 golf cart related injuries ...
Is a homeowner's insurance covered if a parent runs over their boss?
On the other hand, if, for example, the homeowner accidentally runs over their boss during a company’s annual golf outing, the homeowner would probably be covered. If the homeowner’s child, parent, brother, sister, friend, etc. is responsible for the accident, they will usually be covered by the homeowner’s policy if the accident occurs on ...
Do insurance companies cover golf carts?
Automobile insurers often claim that their policies do not provide coverage for golf carts. Generally, the policies limit coverage to vehicles that are designed to be used on public streets and highways. Most manufacturers of golf carts specifically instruct owners not to use the golf cart on public roads.
Should insureds speak to their insurance companies?
Insureds should be encouraged to speak to their insurance companies to determine if they have coverage and, if not, how they can get coverage. Wilson Kehoe Winingham brings you this information with best regards for you and your family’s safety. Share This Article.
Does homeowner insurance cover golf carts?
Homeowner Policies. Most homeowner insurance policies either have special terms that are specifically tailored to golf cart use or allude to golf carts as “recreational vehicles.”. Coverage for the homeowner typically depends on where the accident occurs. Most policies do not cover golf cart accidents unless the accident occurs on a golf course ...
Can you drive a golf cart on public roads?
This typically allows you to have the cart covered with equal to or less amounts of coverage available for the cars on your policy. Of course, the numbers and expected coverage can change if your golf cart is street legal to drive on public roadways. Depending on the golf cart policy, you might run into questions like whether your cart has seat ...
Does home insurance cover golf carts?
Homeowners insurance will cover your cart while on the golf course, in a private residential area, and while crossing public roads to travel to new spot on the golf course. Under this type of coverage, you will be covered while driving around your gated community if the roads are controlled by the community and allow golf carts.
Do you need to have a golf cart insurance?
1 Answer. If you're driving a golf cart on a regular basis, you should have it insured to cover both the cart and any drivers or passengers. They serve mostly as recreational vehicles that are not meant to be on regular roads. Even with seatbelts and at relatively slow speeds, people can get in serious accidents.
