It may not be your key mode of transport, but your golf car sure could take you places: on the golf course, around your community or neighborhood house and, in many cases, also around town on city roads.
So, do you need golf cart insurance?
Well, some states require golf cart insurance. In Arizona, as an example, golf cart owners are expected by law to hold liability insurance coverage ($10,000 for residential property damages obligation, $15,000 bodily injury responsibility for someone, and $30,000 bodily obligation for two or even more people) if they utilize the car on public roads. So, inspect your state’s legislation to help determine if it’s called for where you live.
Also if you’re not lawfully bound to get insurance policy for your golf cart, it could make good sense for you to do so. And, it could supply peace of mind: Golf carts can be stolen or ruined, and also due to the fact that they could weigh upwards of 1,000 extra pounds, they can also create significant damages or injuries in a crash.
Minimal Coverage on Homeowners and Car Plans
So, what kind of insurance protection is offered? Some individuals wrongly assume that their existing insurance coverage will certainly soak up the dangers associated with a golf cart. But, the reality is that you could not have the ability to rely on your homeowners insurance policy or your car insurance coverage for protection.
Check with your agent to be sure, yet most typical home owners plans supply little coverage for golf carts– specifically when you leave the boundaries of your property. Also, a typical vehicle insurance policy commonly will not supply protection for your golf cart.
Relying on where you live or who your insurance service provider is, you might have the ability to add a rider to your existing house owners or automobile insurance plan for coverage of your golf cart. Or, you might opt to buy a policy specifically for your golf cart. Lots of insurance businesses provide plans that are designed for golf carts, covering you practically anywhere your golf car takes you– or even off-season while it’s in storage.
Here are some basic protection policies you should consider.
Property Damage Responsibility Protection: This sort of insurance coverage offers security if you are responsible for an accident that destroys someone’s property — an auto or home, as an example. It can assist you for repairs to the building.
Bodily Injury Responsibility: This could protect you if you create a mishap that hurts another individual. It can help you pay for the other person’s medical obligations as well as various other related expenses.
Collision Protection: This type of insurance coverage assists you pay for repairs to your own golf cart if you hit one more cart or some other object in an accident, regardless of fault.
Comprehensive Coverage: This could assist safeguard your golf cart from fire, burglary as well as various other damages triggered by something apart from a crash– hail, for example.
There are various other bells and whistles you may be able include in an insurance coverage, also. For example, some insurance companies offer protection for custom components like fronts lights or a stereo.
So, whether you plan to handle the sand traps, the beaches or just head out for a leisurely cruise, you could rest easy knowing there’s available golf cart insurance coverage that’s right for you.
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