Secure Your Golfing Experience With A Reliable Golf Cart Insurance
TLTR: This article explains the basics of golf cart insurance, its cost, usage, and the best way to get it.
You can see the sense in car insurance. I mean, it’s obvious, right? Whereas the necessity for golf cart insurance might seem elusive at first blush. But That doesn’t mean it’s not a good thing to have. Let us explain…
As with car accidents, golf cart accidents are a real possibility. Even if they might not usually be as serious, damage is still possible, and you could still be injured. If you have a golf cart, its crucial to have golf cart insurance in order to protect yourself from potential risks.
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Is Golf Cart Insurance Necessary?
Golf cart insurance protects you from the financial loss that can result from a golf cart accident. This policy is also known as golf cart liability insurance.
Golf carts are off-road vehicles that usually run between 10 to 14 miles per hour. Most do not have the standard safety features of a car, such as seat belts, airbags, and doors.
The likelihood of golf cart accidents is higher than you might think. Many people use them outside the golf course for transporting gardening equipment, short-distance community rides, and even relaxing drives around the neighborhood. You can get into an accident at any time during such activities.
With accidents comes the possibility of injuries, property damage, and even death. According to Science Direct, the National Electronic Injury Surveillance System conducted a study and found that 156,040 golf cart-related injuries were treated in the U.S. over a 10-year period.
Let’s looks at some of the coverage that this policy provides.
What Kind of Insurance Do You Need for a Golf Cart?
Typical golf cart insurance has coverage options that are similar to a car insurance policy.
Let’s look at a few common types of coverage you can get with it:
- Collision insurance pays for the repair of your golf cart due to an accident.
- Comprehensive insurance pays for your golf cart if it’s damaged or totaled due to natural disasters such as fire, heavy storms, or falling objects (tree branches or building debris, for instance). It will also cover the cost of the golf cart if it is stolen.
- Property damage liability insurance covers you when you end up damaging third-party property, such as crashing into someone’s property.
- Bodily injury liability insurance covers you in case you injure someone in an accident with your golf cart. This coverage pays for medical fees as well as any legal defense.
- Medical coverage pays for the medical expenses if you or your passengers are injured in an accident.
- Uninsured and Underinsured motorist coverage pays for your medical costs if you are injured in an accident with another driver who doesn’t have insurance or doesn’t have adequate insurance.
You can also purchase a separate umbrella insurance policy if you need to increase your coverage limits to your already existing golf cart insurance. Consider adding coverages for driving your golf cart in a gated community if you live in one.
Additionally, the type of insurance available depends on where you live and the insurer you approach. Make sure to check with your insurance agent so that you get the right coverage as per your needs.
Are Golf Carts and Low-Speed Vehicles the Same?
Golf carts and low-speed vehicles (LSV) are similar, but have crucial differences. LSVs are low weight and used for yard work, hunting, and campus security. They can carry up to 6 passengers.
An important difference between the two is their top speed. A standard golf cart has a top speed of about 14 mph, whereas an LSV can reach speeds of 25 mph.
While a difference of 11 miles per hour might not sound like much, it can make the difference in an accident between walking away with barely a scratch or being severely injured.
According to the National Highway Transportation Safety Administration (NHTSA), a vehicle is classified as an LSV if it has the following characteristics and equipment:
- Four wheels
- Gross weight rating of fewer than 2,500 pounds
- Top speed between 20 mph to 25 mph
- Head, tail, and stop lights
- Rearview mirrors
- Turn lights
- Parking brakes
- Seat Belts
- Vehicle identification number
Furthermore, LSVs require proper registration. It’s usually mandatory to be insure them, since people use them in public areas.
As an insurance buyer, it’s best to know what type of golf cart or LSV you own. Insurance companies are very specific about technical details and these can end up affecting what kind of coverage you get.
Note: Neighborhood electric vehicles (NEVs) are a sub-type of LSVs with a top speed of 25mph. They are also subject to similar vehicle classifications as LSVs.
Are Golf Carts Street Legal?
If you wish to drive your golf cart on public roads, you should check your state’s regulations. On a federal level, they’re required to have a vehicle identification number (VIN), a horn, a lighted license plate, and a speedometer. They also need working headlights, brake lights, and turn signals. Interior and exterior mounted mirrors are also mandatory, along with tires, seat belts, and windshield wipers, approved by the U.S. Department of Transportation.
You can drive golf carts on the same roads as cars in certain states. As per Motor Biscuit, in California, to be street legal, golf carts must be able to carry a maximum of two people, must weigh less than 1,300 pounds, and are required to have a safety-glazed windshield.
In Texas, you can drive a golf cart only on local roads as permitted by the state government and local counties. And in Florida, you can drive a golf cart on public roads as long as you are over the age of 14 and maintain a speed of under 25mph. Additionally, the vehicle needs to be registered with the DMV and properly insured. Plus, as a driver you also require a special license to drive a golf cart.
Even if a state or local government body allows the driving of golf carts on public roads, you should educate yourself about the formal requirements in your state as per the Department of Transportation. Ensure that your golf cart meets all the necessary technical specifications and equipment before you drive it in public.
Note: Delaware, Hawaii, Maryland, Missouri, and Rhode Island do not allow people to drive golf carts on public roads. Also, you could get arrested for driving a golf cart in public in the state of New York.
How To Insure a Golf Cart
You should consider getting golf cart insurance if you have a golf cart, have decided on how to use it, and assessed it. One of the easiest ways of getting the proper coverage for your golf cart is to add it to your homeowners insurance policy.
Most homeowners insurance policies have an option that allows you to add golf cart insurance. But this option might not be available everywhere. If you live in a location where golf carts require registration, such as Texas, homeowners insurance will not allow you to add your golf cart in the coverage. This is because standard home insurance excludes coverage for vehicles that are registered for use on public roads.
Another option is to buy golf cart insurance as a stand-alone policy. In Florida, for instance, you to have proper documentation and liability insurance. In such cases, getting golf cart insurance separately is necessary.
This might be a bit more expensive than the previous option, but it will give you the coverage you need.
You can also get coverage for your golf cart if through an insurance policy specialized for recreational vehicles. Since a golf cart is used primarily for recreational purposes, you could get an ‘off road’ policy with the necessary coverage.
How Much Does It Cost?
Each golf cart owner’s needs are unique. Different factors can affect the cost of your golf cart insurance. For example, you might end up using your golf cart for more than just a trip to the golf course. If you drive it occasionally for fun or use it to transport personal possessions you might have to pay more for your policy.
Your cost will depend on several factors, such as:
- Where you live
- The coverage types you select
- Type of golf cart
- Your age
- Driving history
- Past claims
- Intended use of the golf cart (such as driving it on public roads or a golf course)
According to Insurance.com, your golf cart insurance can be around $4 per month if you add its coverage to your existing homeowner’s insurance. If you purchase stand-alone insurance, you can expect to pay around $12 per month.
Saving Money on Golf Cart Insurance?
Saving money on anything is what everyone wants. Despite insurance being a very important investment, getting some savings or discounts on premiums is possible. You can save money on your golf cart insurance if you:
- Insure your golf cart with an existing homeowner’s insurance
- Make lump-sum payments on your policy instead of monthly fees, which could help lower your rates
- Inquire for any discounts that you may qualify for when you sign up
- Have a safe driving certificate received through the completion of a driving course
Note: Bundling your car and home insurance policies can help you get a discount on your auto insurance. This way, you can insure your car and then add your golf cart insurance to the policy.
Golf cart insurance is a coverage that relies on your usage and the risks that come along with your decision. It can seem like an extra bit of payment for you, but getting golf cart liability insurance is something you need to consider if you own and operate a golf cart. When you’re covered in the event of an accident or mishap, you’ll be less concerned about the potential damage. And you’ll better enjoy your rides, whether on the golf course or your locality.
Did you find this blog helpful? Leave a comment and let us know your thoughts.
If you’re looking for an insurance policy that fulfills all your needs, then feel free to contact your local insurance agent.
Will my car insurance cover a golf cart?
A standard car insurance policy might not cover a golf cart. Since a golf cart is a slow vehicle, most policies might not consider it an automobile per their coverage requirements. In such cases, even if your auto insurance policy covers your golf cart, there are certain limitations to it.
Considering state laws, if the golf cart is driven on public roads, it could be covered. But if the golf cart is used off-road, then it might not be covered by your policy.
It’s a good idea to consult with an insurance agent to better inform yourself on the requirements and available coverage.
Does golf cart insurance cover golf clubs?
It doesn’t cover your golf clubs. It’s primarily intended to cover any injuries or property damage due to an accident. You can get personal property insurance or personal articles floater insurance if you plan to insure your golf clubs.
Additionally, some home insurance can also cover your golf clubs as long as a policy includes it. Consult with your insurance agent for more details.
Does my golf cart insurance cover the cost of installing a seat belt?
No. Golf cart insurance focuses on covering property damage, and injuries to you and your passengers. Any modifications will not be covered by your insurance policy, and you have to pay for installing seat belts with your own money.
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