Your golf cart can provide you with a convenient and enjoyable way to travel the golf course, as well as certain roads and other areas. Although they may be smaller and travel slower than many other motor vehicles, responsibly owning and operating a golf cart requires you to account for various risks and exposures. After all, even the most responsible and experienced drivers could eventually be involved in accidents or other incidents that could have significant financial ramifications. So understanding, acquiring and maintaining appropriate golf cart insurance is essential.
What Does Golf Cart Liability Insurance Cover?
While driving your golf cart, you must be prepared for the possibility of causing an accident from which other parties accrue financial losses. In these situations, the liability components of your golf cart insurance policy can provide critical assistance. When purchasing your policy, consider prioritizing the following components:
- Bodily injury liability coverage—If you are responsible for an accident that injures another party, this part of your golf cart insurance may help pay for their medical bills and other financial losses.
- Property damage liability coverage—This coverage may help pay for third-party losses and damages if you crash into their buildings, vehicles or other property.
- Guest passenger liability coverage—This part of your golf cart insurance policy may compensate passengers for their health care costs if injured while riding in your golf cart.
Does Golf Cart Insurance Protect Against Theft?
Given that many golf carts do not have windows and are therefore easily accessible to potential criminals, you may wish to ensure your insurance covers such incidents. Your policy may be equipped with comprehensive coverage, which can provide financial protection from noncollision incidents, including fires, some weather events and several types of criminal activity, including theft and vandalism.
Is There Insurance for Collision Damage to My Golf Cart?
Your golf cart insurance can also include collision coverage, which provides financial assistance and may help you pay for repairs and recoup losses following a collision with another vehicle or stationary object, such as structures, signposts or guardrails.
Get the Right Coverage
Since 2010, Overbay Insurance Services has proudly served families, individuals and businesses in the Waynesville area. Our dedicated staff will work with you to assess and address your golf cart insurance needs. Contact us today to get started.