Golf Cart Insurance: Get a Quote Online
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.
Guest passenger liability
If passengers are injured while riding in your golf cart, guest passenger liability will pay for their injuries up to the limits of your policy.
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.
Comprehensive and collision
If your golf cart is vandalized or stolen, comprehensive pays to repair or replace it. Additionally, comprehensive covers damage from a fire, hitting an animal, an act of nature or glass breakage. If you’re in an accident with another golf cart, object, or even a vehicle on the street, collision coverage will pay for your golf cart’s repairs or replacement.
If you’re financing your golf cart, your lender may require you to carry comprehensive and collision.
Medical payments coverage pays for your hospital bills if you or your passengers are injured in a golf cart accident. While medical payments are optional, coverage is vital if you or your passengers don’t have health insurance.
You may have added a radio, headlights, seat covers or even a custom paint job to your golf cart, and you’ll want to make sure your upgrades are covered. If you carry both comprehensive and collision on your golf cart policy, you’ll automatically earn $3,000 in accessory coverage. You can purchase additional coverage, if necessary, up to $30,000.