If you’re asking the question: Will my car insurance cover my golf cart?, then you have come to the right place. We have all the answers you’re looking for when it comes to your golf cart insurance. Whether it serves as a sweet ride for neighborhood excursions or as transportation out on the golf course, your custom golf cart deserves custom coverage. With that in mind, our Lifetime experts are here to tell you about the most important things your golf cart insurance should cover!
What Are Your Coverage Needs?
Before we dive into specific areas of coverage, it’s important to know what to look for in a golf cart insurance plan. Your needs are going to depend on factors like the type of golf cart you own and how you intend to use it. For instance, if your golf cart is going to shuttle your family and friends within your neighborhood, you may need more comprehensive coverage than a weekend golfer. Ultimately, it’s a good idea to consult with an insurance specialist to review your state’s golf cart and low speed vehicle laws.
Unsure What Coverage You Need?
If you are a first-time golf cart owner and you aren’t sure what your coverage needs are, our team can help steer you toward the right plan at the right price!
Areas of Coverage
As you explore your golf cart insurance options, you should consider all possible scenarios of what could go wrong while you or someone else is using your golf cart. This is a simple yet effective way to avoid over-insuring or under-insuring your vehicle. To help you get started, here are some areas of coverage you may want to consider:
1. Bodily Injury Liability Coverage
Although liability coverage isn’t required in some states, it’s smart to have it. If you happen to injure another person while driving your golf cart, bodily injury liability coverage will help you pay for any resulting medical or legal bills, up to your policy limits.
2. Property Damage Liability Coverage
Do you plan on letting your kiddos take the wheel? Then, this is a particularly important area of coverage. If you are found at fault for damaging someone else’s property while driving your golf cart, this coverage may help you pay for the cost of repairing the damage.
3. Guest Passenger Liability
Will you be hosting friends and family on your golf cart? Then, you should consider including guest passenger liability on your golf cart insurance policy. If any of your guest passengers are injured while aboard your golf cart, your guest passenger liability may help pay for their injuries, up to your policy limit.
4. Collision Coverage
Even the most seasoned drivers can make costly mistakes while driving a golf cart. That’s why it’s smart to have collision coverage built into your insurance plan. Regardless of who is at fault, this coverage will help you pay for any damage to your golf cart after a collision with another cart or object.
5. Comprehensive Coverage
Especially with the unpredictable weather here in Texas, including comprehensive coverage in your insurance plan is important. From a hail storm or tornado to a fire, comprehensive coverage will help you pay for any repairs, and even help with replacing your golf cart in the event of theft.
6. Accessory/Add-On Coverage
As we mentioned earlier, golf carts are no longer just for golfers, and neither are the many bells and whistles available in today’s market. From a custom body to fancy underbody LED lights, you can build a plan as unique as your golf cart with additional coverage for accessories and add-ons.
Now That You Know What Your Golf Cart Insurance Should Cover…
Now that you know about the essential things your golf cart insurance should cover, you can explore your options with different providers. Our insurance experts can help you compare prices and build a custom plan to cover all of your needs. If you’re ready to discover your ideal golf cart insurance plan, give us a call at (972) 771- 2622 or visit our website!
Build the Perfect Plan
Are you ready to see what the insurance experts at Lifetime can do for you? Find out how we can help you save with a custom golf cart insurance plan!