Call Us (954) 421-9953 ☰ ˟
Automatic Insurance
(954) 421-9953
  • Home
  • Coverage
    • Automobile
    • Artisan Contractors
    • Boat
    • Business
    • Classic Car
    • Collision
    • Commercial Auto
    • Commercial Property
    • Condominium
    • Flood
    • General Liability
    • Golf Cart
    • Homeowners
    • Motorcycle
    • Recreational Products
    • Renters
    • RV
    • Tag & Title Services
    • Workers Compensation
  • Get A Quote
    • Automobile
    • Business
    • Commercial Property
    • Homeowners
    • Renters
    • Quote and Bind
  • Blog
  • Make A Payment
  • About Us
    • About Us
    • Common Insurance Discounts
    • Our Office
    • Our Reviews
    • Privacy Policy
  • Contact
    • Contact Us
    • Refer a Friend
automobile Automobile

Minimize your risk with the best options

homeowners Homeowners

Get the right coverage at the right price

business Business

Protecting you for life, disability and long term care

recreational Recreational

Superior service to fit your needs

Tag & Title Tag & Title

Let our expertise guide you

Home > Blog > Understanding Your Golf Cart Insurance Needs
THURSDAY, AUGUST 11, 2022

Understanding Your Golf Cart Insurance Needs

The Villages is a community designed for senior citizens. It offers ease and convenience for residents who need to get around town. Often, you don’t even have to drive your car. You might just take your golf cart. 

Whenever you drive your golf cart, you must ensure it has appropriate insurance. Yet, how can you do so? Do golf carts need the same insurance as the standard car? 

Understanding golf cart insurance will take a little thought. Depending on certain mechanics, you might have a legal requirement to insure it. 

More about The Villages insurance Golf cart on the green

The Prevalence Of Golf Carts In The Villages 
Golf carts offer convenient ways for seniors to get around without driving a car. Around The Villages, you’ll likely see a lot of them. 

There are a lot of paths around The Villages that offer alternative routes for golf cart owners. These paths exist because golf cards don’t tend to quality as motor vehicles — meaning they generally can't travel on normal roadways. That said, some golf carts count as low speed vehicles. 

Golf Cart Insurance Rules 
Florida law does not require golf cart owners to insure their vehicles unless they qualify as low-speed motor vehicles. Low-speed vehicles can travel on certain standard roadways. Therefore, these bikes will face different insurance and registration requirements. 

To find out if your cart is a low-speed vehicle, check the Manufacturer’s Certificate of Origin (MCO). It should contain for the following language: 

This vehicle conforms to Federal Regulations under Title 49 CFR Part 571.500 

The vehicle might also have a Vehicle Identification Number (VIN) starting with the letters FLA. 

If your golf cart is a low-speed vehicle, it will need Florida’s required auto insurance. This is: 

  • $10,000 Property Damage Liability (PDL) insurance. This coverage will pay for damage you cause to someone else’s property, such as if you hit their car with your golf cart. 
  • $10,000 Personal Injury Protection (PIP) coverage. Regardless of who causes a golf cart accident, this coverage will help you pay for your injury costs. 

Regardless of if the vehicle is a standard cart, or a low-speed vehicle, you'll want other coverage. You can still get a golf cart insurance policy that will include valuable protection. Ask your Ahrens Insurance agent about: 

  • Bodily Injury Liability coverage: If you cause an accident that injures someone else, this coverage can help pay their bills. 
  • Collision coverage: After a wreck, this coverage can help you pay to repair the cart. 
  • Other-Than-collision insurance: If a damaging incident, like a fire, damages the cart, then this coverage can help repair it. 

Our agents are happy to help you determine the appropriate insurance for your golf cart. We understand how to help you get the protection you need. 

Posted 9:41 PM

Tags: golf cart insurance
Share |


No Comments


Post a Comment
Required
Required (Not Displayed)
Required


All comments are moderated and stripped of HTML.

NOTICE: This blog and website are made available by the publisher for educational and informational purposes only. It is not be used as a substitute for competent insurance, legal, or tax advice from a licensed professional in your state. By using this blog site you understand that there is no broker client relationship between you and the blog and website publisher.
Blog Archive
  • 2023
  • 2022
  • 2021
  • 2020
  • 2019

  • auto insurance(27)
  • automatic insurance(19)
  • car insurance(18)
  • tag and title services(7)
  • automatic insurance agency(3)
  • boat insurance(2)
  • golf cart insurance(2)
  • recreational vehicle insurance(2)
  • rv insurance(2)
  • motorcycle insurance(2)
  • builder's risk insurance(1)
  • home insurance(1)
  • general liability insurance(1)
  • vehicle registration(1)
  • how to be a confident driver(1)
  • tag and title(1)
  • towing coverage(1)
  • rental reimbursement(1)

View Mobile Version
Progressive
Foremost
Infinity
Ocean Harbor
Windhaven
Universal Insurance
Citizens Hanover
Mission Statement

Our agents bring 30 years of experience to the table, meaning your time with us will be well spent. We are experienced professionals in this field, and we are happy to put that experience to work in your favor. We offer rates from some of the most respected carriers in the business.


1340 S. Federal Hwy
Deerfield Beach, FL 33441

Phone: (954) 421-9953
Fax: (954) 421-2886


Facebook Google Posts
Home Get A Quote Make A Payment Blog About Us Contact Us

Powered by Insurance Website Builder