Insuring Your New Golf Cart
If you’re in the process of researching the pros and cons of buying a new golf cart, you might not have considered the importance of insurance. Just like other vehicles, it’s crucial to be properly covered for the use of your golf cart! Some states have different requirements, especially if you plan to make your cart street legal. Continue reading to gather more information about insuring a new golf car.
Is Insurance a Requirement?
The strict need for insurance will vary from one state to another. However, even if your area doesn’t require golf cart insurance, it’s highly recommended that you have coverage. Take the time to research your local laws and regulations and also consider how you intend to use your golf cart and what type of coverage you’ll need.
What Coverage Is Available?
After you’ve taken a look at your area’s requirements and considered what you’ll personally want to cover, it’s time to select a policy! Each policy will include different variations of coverage, but there are several common things to look for.
- Bodily injury liability provides coverage in the event your new golf cart is in an accident that injures someone. This option can help cover the cost of medical expenses related to the accident.
- Collision coverage is available to assist in the event of a collision, no matter which driver is at fault. This will help cover the costs of repairs.
- Comprehensive coverage protects your investment in the event of theft, vandalism, and weather damage.
- Property damage liability offers coverage in the event of property damage caused by your golf cart. The coverage assists with the cost of damages.
There are other variations of coverage you can choose from and you can pay for different coverage levels for each category. You will likely be responsible for paying a deductible in all scenarios.
Can You Utilize Existing Coverage?
You likely pay for home or auto insurance already, but most of these policies won’t cover your golf cart. Although you can’t rely on an existing policy to cover your new golf car in case of an unexpected situation, it might be possible to bundle your policies. It’d be worthwhile to reach out to your current provider to see what options are available for you.
Becoming a new golf cart owner is exciting, but it’s important to be responsible with your purchase! Our team at Under the Sun Golf Cars in Bracey, VA, and Youngsville, NC, is here to be a resource for all your golf cart needs, so stop by today!