what insurance do i need on a golf cart

Should you insure golf cart?

Like motorcycles, a variety of different coverages are available for golf carts. Bodily injury and property damage liability: In states that require golf cart owners to have insurance, this type of coverage is mandatory. It covers injuries to others and damage to their property after an accident.

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.

Is a golf cart a UTV?

A golf cart is not a UTV. The two vehicles are designed to do different things. (There is no such thing as a UTV golf cart, unless the golf cart has been souped-up by the owner and turned into an off-road golf cart.). A golf cart is a good choice for transporting people and light loads over smooth terrain.

Do golf carts hold their value?

Golf cart everywhere A product that is accepted by the majority in a market will hold its value because there will always be someone interested in buying what you have. The golf cart has universal application as it can be used by both old and young, rich and poor.

Do golf carts have titles?

Golf carts do not have titles like cars, so a serial number is the first thing you should check for if you want to buy a golf cart from an individual. "If it doesn't have a serial number on it, that's a good indication or red flag that you really need to do some checking on it or stepping away from it," Miller said.

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.

What is bigger than a golf cart?

If you plan to play a lot of golf, there is no question the golf cart is the better choice. The UTV is bigger than you need and it is not set up for golfers the way it should be. You will spend more money on fueling the gas UTV than you need for a simple ride around a course.

Are side-by-sides safer than golf carts?

While there are golf carts that can take on a trail, side-by-sides will make it so much more fun. Not only are they faster and stealthier, but because many models, like Intimidators, are designed for trail riding, they are also designed to be safer.

Should I buy a UTV or golf cart?

A potential buyer that has the need-for-speed, or needs a powerful work vehicle, is going to prefer a UTV. Meanwhile, a potential buyer that has a relaxed personality, or needs a vehicle for light work, is going to prefer a golf cart.

How long do golf carts last?

The average lifespan of an electric golf cart is between 20 and 40 years. However, it is important to keep in mind that if you do not keep up with the proper maintenance, there is no guarantee that the electric golf cart will last even ten years.

How long do golf cart engines last?

Golf Cart Motor Just like solenoids (mentioned above), your golf cart motor works HARD. When properly taken care of, the typical gas or electric golf cart motor can last many, many years (20 to 30+).

Which brand of golf cart is best?

Here are the top best 5 golf cart brands to choose from.Club Car. If you're looking for a classic ride, look no further than the Club Car. ... E-Z-Go. If safety is your first priority, then the E-Z-Go brand is perfect for you. ... Yamaha. Chances are, you're very familiar with the Yamaha brand. ... Polaris. ... Garia.

Is golf cart insurance required in Texas?

An operator must possess a valid driver's license and obey all Texas laws and traffic regulations. 7. A golf cart must be covered by insurance equal to the current Texas requirement for a licensed motor vehicle. This coverage may be by a separate policy or covered by the owner's homeowner's insurance policy.

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.

Who insures golf carts in NJ?

Safeco insures nearly all makes and models of golf carts. We also cover all-terrain vehicles (ATVs) with four or six wheels, a wide variety of utility task vehicles (UTV), side-by-sides, dirt bikes, snowmobiles, and other select off-road vehicles.

Golf Cart Use: Insurance Implications

Larry Payton of Farmers Insurance in Incline Village, Nevada, says the two most common golf cart insurance questions are: 1. "Do I need golf cart i...

How to Save on Golf Cart Insurance

Call Insurance.com at (855) 430-7750 and let one of our licensed agents guide you through the process of bundling and discounts. Potential discount...

Golf Cart Insurance Rates

How much does it cost to insure my golf cart? It is virtually impossible to compare golf cart insurance premiums by state, because there is no stan...

Basic Golf Cart Usage—Insurance Considerations

Basic golf cart usage is similar to driving a riding mower; it's probably covered under your homeowner's policy. A riding mower doesn't have to be...

Speed-Modified: Auto Insurance With Golf Cart Endorsement

Most golf carts are designed to operate at about 15 miles per hour. For this reason, golf carts are not required to have the safety features that w...

The Golf Cart as Atv—Auto and Umbrella Insurance

If you drive your golf cart to and from the club when you play, or tool around a private golf or retirement community, you need insurance coverage...

Golf Cart Accidents and Insurance Coverage

Determining which insurance coverage applies in the case of a golf cart mishap can be confusing. The table below summarizes various circumstances w...

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...

What type of insurance is used for a golf cart?

Comprehensive Coverage – This type of policy will help protect you if your golf cart is stolen or damaged by natural elements like fire or hail. Collision Coverage – When your golf cart is damaged during a serious collision, this type of insurance will ensure that you don’t lose too much money. Most types of golf cart insurance policies will bundle ...

What is a golf cart liability policy?

Property Damage Liability – If your golf cart causes damage to another person’s property, this type of policy will help pay the damages in a serious lawsuit. Physical Injury Liability – When you injure a person due to improper golf cart driving, this type of policy will cover their recovery and help you avoid costly lawsuits.

How much does a road ready cart cost?

However, road-ready carts will need more extensive policy options, which will typically cost anywhere from $400 to $1,000 per year, depending on a multitude of various factors related to your driving.

Do you need insurance for a golf cart?

Most States Require Golf Cart Insurance. If you want to take your golf cart on the road, you’re going to have to pay for insurance. Non-road-ready carts don’t need insurance, but you can still buy a policy if you use your cart regularly at home.

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 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 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.

Do you need a license to drive a golf cart in Texas?

If your golf cart operates at speeds of 25 mph or less, you will need a slow-moving vehicle emblem to drive on public roads. You will need a valid driver’s license to drive on public roads. Some cities and towns may require liability insurance that meets the minimum amount of car insurance in Texas.

What states require golf cart insurance?

These would be Arkansas, Delaware, Florida, Hawaii, Kansas, Kentucky, Massachusetts, Maryland, Michigan, Minnesota, New Jersey, New York, North Dakota, Oregon, Pennsylvania, South Dakota, Texas, Utah, Virginia, Washington and the District of Columbia.

Do you need special insurance for a cart?

You don’t need a special insurance policy for that, but a quick call to your insurance company could clear up that question quickly. On the other hand, you might have a cart that’s intended use is for your residential community, which would usually be a gated homeowner’s association. If this is the case, your insurance agent will want to know ...

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.

What is included in a golf cart package?

Bodily injury and property damage liability is included in basic packages. Similarly to motorcycle packages, guest passenger liability is also included. Optional clauses include medical payments coverage which covers any medical bills accrued by a driver or their passengers during the operation of the golf cart.

What is a golf cart?

Golf carts are a common sight in a golf course community, but they are becoming popular for traversing other places. Some people use them to travel across their property or neighborhood. Some towns and cities have golf cart paths.

How to avoid fines on golf cart?

It is also wise to avoid fines from your HOA and law enforcement. Treat your golf cart like you would your car or another vehicle. Drive it safely, give it regular maintenance, and make sure you are legally covered to drive it. Post navigation.

Do you need insurance for a golf cart?

Still, if you live in a neighborhood that is controlled by a Home Owner’s Association, they may require you to have insurance if you use your golf cart to travel on the roads in the neighborhood.

Do you need a separate golf cart policy?

Golf cart insurance can vary in price depending on how you use it. Depending on how you use it will also determine if you need a separate policy for the cart. For instance, if you plan only to drive your golf cart on your property or to play golf, a simple endorsement on your homeowner’s insurance will suffice.

Does insurance cover golf carts?

Some insurance companies do not even offer golf cart plans. Golf carts can be a fun way to get around, but if anything happens to the cart, passengers, or driver, an insurance plan would certainly help curb or eliminate the costs of an accident. It is also wise to avoid fines from your HOA and law enforcement.

What does comprehensive cover on a golf cart?

Additionally, comprehensive covers damage from a fire, hitting an animal, an act of nature or glass breakage.

What is an uninsured motorist?

Uninsured/underinsured motorist bodily injury and property damage. Covers you and any passengers while riding in your golf cart if you’re injured by another driver with no insurance or not enough insurance. You’re also covered if an uninsured or underinsured driver damages your golf cart.

Does golf cart insurance cover property damage?

Bodily injury and property damage liability. Although not required in every state, golf cart liability insurance can protect you if you’re liable because you injured someone or damaged their property while riding your golf cart. Your court costs and legal fees are also covered up to your policy’s limits.

What is Golf Cart Insurance?

Golf cart insurance works similarly to car insurance: it covers your liability (say, if you hit other people or property ). It also covers the value of your golf cart (if stolen, vandalized, or damaged in a collision ).

Do I Need Golf Cart Insurance?

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.

How Homeowners Insurance Covers Golf Carts

Many homeowners insurance policies cover golf carts. If you have homeowners insurance, then you may not need to buy an additional golf cart insurance policy: you may already be covered.

When Do I Need Special Golf Cart Insurance?

If your homeowners insurance doesn’t cover golf carts, then you may need to buy special golf cart insurance.

How Much Does Golf Cart Insurance Cost?

Golf cart insurance tends to be cheap. Golf cart incidents are rare, and insurers rarely have to pay for golf cart-related claims.

Golf Cart Insurance Exclusions

If you have golf cart insurance, then your golf cart should be covered. However, insurers can deny golf cart insurance claims for certain reasons, including:

Final Word

Yes, there is special golf cart insurance. You may need special golf cart insurance if required by your state, city, or HOA.