Getting insurance on a golf cart may sound humorous at first. Many people don’t think of a golf cart as a vehicle that needs insurance, because it is slow-moving, and is usually only associated with driving on the golf course.

However, insuring your golf cart can be a very good idea, depending on how you use it.

Buying a golf cart instead of renting it is becoming a popular trend today. Many avid golfers buy them to save money, since renting a cart every time you want to the play the game can become expensive. Others buy them for the versatility, so that they can customize them for individual use or use them to get from garage to clubhouse or golf course in a community. Golf carts today are fitted with space for various personal accessories, and just like a car, can be outfitted by the seller with different custom options requested by the buyer. Customized golf carts can reach speeds up to 25 miles per hour, and hold up to four people.

Even slower moving golf carts are subject to some of the same types of mishaps as occur with automobiles. Any time a vehicle is motorized, there is the possibility of injury to the driver or passengers. There is also the possibility of vehicle damage caused by someone else. Golf cart drivers sometimes use their vehicles on residential roads, so it is possible that a golf cart could be hit by an automobile, causing significant damage. In recognition of this, Florida law requires licensing and registration, as well as at least minimal insurance.

Golf cart drivers can purchase a package of insurance, similar to the type that covers automobiles, which includes the following coverage:

  • Bodily Injury
  • Property Damage
  • Medical Expense Compensation
  • Uninsured Motorist Protection
  • No-Fault Insurance
  • Roadside Assistance

A used golf cart can cost a few thousand dollars, and a new one can cost even more. It makes sense to protect your financial investment with the right amount of insurance on your recreational vehicle.

Herndon Carr
10501 Six Mile Cypress Pky #101
Fort Myers, FL 33966