You must be at least 14 years old to drive a golf cart on designated public roads. If your golf cart is an LSV, it must be registered, titled and insured with personal injury protection insurance and property damage liability insurance. You must have a valid driver’s license in your possession.
Full Answer
Does My Home Insurance Cover my golf cart?
While a standard home insurance policy does have a provision that can potentially provide coverage for liability, the physical damage of the golf cart would have to be added to the policy by endorsement. It’s important to note that not all insurance companies offer this endorsement.
Do you really need golf cart insurance?
Yes. You absolutely need to have golf cart insurance. Here's why... In order to understand the basics of insurance coverage for golf carts, it is important first to understand the basics of automobile insurance coverages in Florida.
Do I need to register and insure my golf cart?
Some homeowner associations (HOAs) require all residents’ golf carts to have insurance. If you live in a golf community, for example, then you may need to purchase specific golf cart insurance. Some HOAs also require you to name the HOA as an additional insured.
Do you need insurance for your golf cart?
You may need special golf cart insurance if required by your state, city, or HOA. However, if you are using your golf cart for normal purposes (on your own property or at a golf course), then your homeowners insurance should cover your liability.
What is the best way to insure a golf cart?
Depending on where you live or who your insurer is, you may be able to add on an endorsement to your existing homeowners or car insurance policy to help better cover your golf cart. Or, you may choose to buy a policy specifically for your golf cart. Golf cart insurance may be sold as an "off-road vehicle" policy.
What is golf cart insurance called?
Also known as “other than collision,” this coverage can help pay for damage to your golf cart from vandalism, theft, weather events and falling objects. Helps protect you and your golf cart from uninsured drivers and hit-and-run accidents.
Do golf carts have VIN numbers?
When scheduling service or ordering parts for your golf cart it is very important to know and locate the serial number (VIN). Each cart has its own unique serial number just like a car and by knowing what this number is you are able to determine what type, year, and power supply your cart has.
Do you need golf cart insurance in Texas?
If you plan to drive your golf cart on public roads, your insurance requirements will depend on your state, county, city or town. For example, Arizona requires all golf cart owners to have liability insurance. And Texas does not have a statewide requirement, although certain cities mandate insurance.
Do golf carts have titles?
The bottom line is that standard golf carts do not have titles. But, if they are modified to become an LSV then you must obtain a certificate of title.
Do golf buggies need insurance?
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.
Where is the VIN located on a golf cart?
1) It may be placed directly on the steering column. 2) It could be located in the passenger-side glove box. 3) It might be placed on the body located directly behind where the driver's legs would be.
How do I identify my Club Car golf cart?
Since 1981 Club Car® Golf Carts have positioned their serial numbers just under the glove box on the passengers side of the vehicle. The serial number of each vehicle is printed on a bar code decal. The two letters at the beginning of the serial number "A" indicate the vehicle model.
How do I identify my golf cart?
Club Car Golf CartsFind your serial number. It will be under the dash on the passenger side.Find your model code. The model code will be the first two letters of the serial number.Find your year code. The year code will be the third and fourth character of the serial number.
Do golf carts need license plates in Texas?
Golf carts and off-highway vehicles must display the appropriate license plate to legally operate on the roadway. The fee for the plate is $10, and the plate does not expire. Golf carts and off highway vehicles traveling at the speed of not more than 25 mph are also required to display slow moving vehicle emblem.
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.)
Can you drive a golf cart on public roads in Texas?
The Golf Cart must display a Golf Cart license plate when operated on roads authorized by the city or county. Operation may be authorized only on roads with a speed limit of 35 mph or less. If operated on the roads at a speed of 25 mph or less, a Golf Cart is required to display a slow-moving vehicle emblem.
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.
Do golf carts need license plates in Arizona?
The Arizona MVD requires golf cart owners to register their vehicles and obtain a license plate to display on the golf cart. Golf carts must have working headlights, brake lights and a horn. Golf carts are exempt from the Arizona requirement that all motor vehicles must have a windshield.
Do golf carts need insurance in California?
Must be certified to meet Federal Motor Vehicle Safety Standards (FMVSS) to be registered and operated on public streets, roads, or highways. May look like a golf-cart to the casual observer, but is actually a motor vehicle requiring a valid California driver license, registration, and insurance.
Do you have to register golf carts in Florida?
Golf carts are not required to be titled or registered and, therefore, are not required to be insured with PIP and PDL insurance coverage. Golf cart operators are not required to have a driver license; however, to operate a golf cart on designated public roadways, a person must be 14 years or older.
Will my car insurance cover my golf cart?
A typical car insurance policy might not cover a golf cart. That’s because defining a golf cart as an auto is tricky. If it’s a low-speed vehicle a...
Will my home insurance cover my golf cart?
A standard homeowners insurance policy typically excludes coverage for golf carts that are registered for use on public roads or property. For exam...
What if I get into an accident in my golf cart with a driver who doesn’t have insurance?
Golf cart insurers often sell an optional coverage type similar to car insurance called uninsured motorist coverage. This pays for medical bills an...
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.
What does a golf cart insurance policy cover?
Golf cart insurers often sell an optional coverage type similar to car insurance called uninsured motorist coverage. This pays for medical bills and other expenses (like lost wages) if you get into an accident with a driver who doesn’t carry insurance.
What insurance do you need for a golf cart accident?
Bodily injury liability insurance. If you cause an accident in your golf cart and someone gets hurt, this pays for their medical bills. It also pays for your legal defense in case you’re sued because of an accident. Collision insurance. If your golf cart is damaged in an accident, this pays for repair.
What is golf cart insurance?
Golf cart insurance has many similar coverage types to a typical car insurance policy. For example, you can buy coverage to help pay for injuries, damage to someone else’s property or repairs to your golf cart if it gets cracked up in an accident.
How fast can you drive a golf cart in South Carolina?
You can only drive your golf cart within four miles of your home or business for roads with a posted speed limit of 35 mph or less . To obtain a permit, you will need:
How fast is a golf cart?
But the biggest difference is top speed. A “conventional” golf cart has a top speed of less than 20 mph, while an LSV can typically reach speeds between 20 to 25 mph. An LSV as defined by the National Highway Transportation Safety Administration has: Four wheels. Gross vehicle weight rating is less than 2,500 pounds.
How many people can a golf cart carry in California?
California. Your golf cart is exempt from state registration if it carries no more than two people (including the driver), weighs less than 1,300 pounds and does not exceed more than 15 mph. If your golf cart exceeds these limits, you may have to register and insure your golf cart, depending on where you live.
Does homeowners insurance cover golf carts?
A standard homeowners insurance policy typically excludes coverage for golf carts that are registered for use on public roads or property. For example, if you drive your golf cart on the public roads in your gated community, you won’t have coverage if you get into an accident.
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.
Is a golf cart insured?
Is your golf cart properly insured? If you own a golf cart, you should consider reviewing your homeowner’s policy to ensure you have the protection you require given how and where you use it. If you’re driving a golf cart you own somewhere other than your private property, you might not have any coverage for that unless you specifically bought ...
Do you need liability insurance for off road vehicles 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.
What Type of Golf Cart Insurance Do I Need?
In many communities, the HOA requires golf cart owners to purchase specific insurance for their golf carts and name the HOA as an additional insured. Prior to purchasing insurance, check with your HOA. If you use your golf cart around your property, it can be included on your homeowner's insurance policy with an endorsement.
Getting the Best Deal on Golf Cart Insurance
Golf cart insurance is fairly reasonable and there are several ways to save additional money on it:
How Much Will Golf Cart Insurance Cost?
Adding a golf cart endorsement to your homeowner's policy is the least expensive way to insure your golf cart and will cost $50-$200/year. If you purchase a separate golf cart policy, it will average $12/month, as long as it is driven within a golf course community.
What should a golf cart have?
Generally, a golf cart should be equipped with headlights, brake lights, turn signals, a windshield, efficient brakes, reliable steering apparatus, safe tires, a rearview mirror and red reflectorized warning devices in both front and rear. 2.
What is a low speed golf cart?
A low speed vehicle is a golf cart modified to exceed 20 mph but no more than 25 mph. These vehicles must be equipped with brake lights, turn signals, windshield, windshield wiper, seat belts, etc., and may be legally operated on public roads with a speed limit of 35 mph or less *.
How fast can a golf cart go in Florida?
A golf cart, by law, does not exceed 20 mph.
Do golf carts need to be insured?
Golf carts do not have to be registered , title d or insured with PIP or property damage liability. Understanding that golf carts can be very expensive, if you want to insure your golf cart, these are the options:
Can you drive a golf cart in Florida?
Florida law allows local governments to designate roads where driving golf carts is allowed. In St. Johns County, Fla., for example, golf carts cannot be operated on any public road with a posted speed limit greater than 25 mph *. They can cross roads with higher speed limits at intersections.
Can I Pursue Compensation if I Am Hit by Another Vehicle While in a Golf Cart?
Yes, if the other driver was negligent and caused the accident, you can file a claim or civil lawsuit to recover damages. First, however, you will need to prove liability. The process involves demonstrating that the other party failed to drive safely, they caused the accident, and you suffered injuries as a direct result of their negligence.
What Is Meant by Driver Negligence?
Negligence is a term used to describe when a driver operates a vehicle carelessly, resulting in harm to another person. The most common types of negligence behind the wheel include:
What Compensation Is Available in a Personal Injury Lawsuit?
Damages awarded are based on the unique circumstances of your accident and the severity of your injuries. Cases involving serious injuries tend to settle for higher amounts. As a general guide, compensation in a claim or civil lawsuit can be awarded for the following damages:
Are There Any Other Ways To Pursue Compensation for a Golf Cart Accident?
Yes. For example, if the accident happened while you were on the golf course, the premises owner may be liable if the conditions of the course or its carts prove to be unsafe. Other potentially at-fault parties can include:
How Long Do I Have To File a Golf Cart Injury Lawsuit?
Per Florida Statutes § 95.11, injured parties generally must file a lawsuit within four years from the accident date. If you miss the deadline, it is unlikely the court will hear your case. One of our lawyers can make sure you file before this statute expires.
Do I Need To Carry Insurance for My Golf Cart?
No. Golf carts do not require insurance, nor do they need to be titled or registered in Florida. Should you insure your golf cart? It is definitely a good idea as car insurance likely will not cover a golf cart accident. Insurance coverage is available to protect you in the event of:
Could I Be Sued if I Cause an Accident While Operating a Golf Cart?
Yes. A golf cart driver could be held liable for damages if they cause injury to another person. Anyone sharing the roads must abide by the laws for driving a motor vehicle.
