Golf Cart Insurance Information
If you’re one of the many Floridians who own a golf cart, you may be wondering whether you need to purchase golf cart insurance. The team at Automatic Insurance—Deerfield Beach’s trusted insurance advisor—is here to help. Give us a call today to learn more about your golf cart insurance obligations and coverage options.
What Is Golf Cart Insurance?
Golf cart insurance is a type of insurance that helps cover damage to or destruction of your golf cart. A golf cart insurance policy may also protect against damage or bodily injury caused by your golf cart.
What Does Golf Cart Insurance Cover?
Golf cart insurance policies vary based on the coverages you select. Here are some common types of coverage you may be able to add to a golf cart insurance policy:
Liability coverage—This coverage can be broken down into three parts: bodily injury, guest passenger injury and property damage liability. It can help protect against claims of third-party property damage or bodily injury caused by your golf cart. It can also help cover medical expenses incurred by passengers injured while riding with you in your golf cart.
Collision coverage—This coverage can help pay for repairing damage to your golf cart caused by an accident, regardless of who is at fault.
Comprehensive coverage—This coverage can help pay for replacing or repairing your golf cart if it is damaged in a non-collision accident (e.g., fire or falling objects), vandalized or stolen.
Medical payments—This coverage can help cover the medical expenses sustained by you or another covered party listed on your policy (e.g., spouse or dependent) in an accident.
There may be additional coverages available. Contact Automatic Insurance to learn more about your options.
How Much Does It Cost to Insure a Golf Cart In Florida?
The cost to insure a golf cart in Florida depends on various factors, such as the type of golf cart you own, how you plan to use the golf cart, your driving history, credit rating, age and the coverages you choose. Work with an Automatic Insurance agent today to get a quote.
Do You Need Insurance for a Golf Cart in Florida?
Depending on the type of golf cart you have, you may be required to obtain minimum amounts of insurance in Florida. For example, if your golf cart can exceed 20 mph but not 25 mph and adheres to the other statewide requirements, it might be considered a low-speed vehicle. If this is the case, you may be required to carry minimum levels of golf cart insurance by the state of Florida.
How to Get Golf Cart Insurance
If you’re in the market for a golf cart insurance policy, look no further. The team at Automatic Insurance is here to help. Give us a call today to get started.