People are increasingly using golf carts for more than just golf. Whether you use your golf cart as a means to travel in and around a gated community, a condo complex, or a retirement community, proper insurance coverage can help protect you.
Most people think their golf cart is covered under their homeowners insurance policy. However, your homeowners policy may or may not cover your golf cart if you ride off your property. With a typical homeowners policy, your medical costs are not covered. Similarly, if you cause an accident, your homeowners policy may not cover third-party injuries and property damage.
As a result, it is highly recommended that you purchase a separate golf cart insurance policy with the following coverages:
- Medical Payments Coverage: This coverage pays for the necessary medical care you receive as a result of a golf cart accident
- Liability Coverage: This coverage is for third-party injuries and property damage as a result of a golf cart accident;
- Collision Coverage: This covers your golf cart in the event of damage caused by collision with other vehicles, trees or utility poles
- Uninsured Motorist Coverage: This coverage takes the place of liability coverage for the at-fault driver if he/she is uninsured/underinsured and provides you with an ability to make a recovery for outstanding medical bills, lost wages, pain and suffering and other damages.
Regardless of whether you own a gas or electric golf cart and the primary use is to play golf, you should consider purchasing a golf cart insurance policy.
Let us help you determine whether golf cart insurance is right for you. Contact us at 800.333.3690.