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Home > Blog > Do I Have to Insure My Golf Cart?
FRIDAY, FEBRUARY 17, 2023

Do I Have to Insure My Golf Cart?

Golf cart insurance can help provide financial protection if your golf cart is damaged or destroyed. It can also help protect you from personal liability if someone accuses you of causing bodily injury or property damage to a third party while driving.  

Contact Choice One Network in Cutler Bay, Florida, to learn more about our golf cart insurance options and to speak to an insurance agent.  
Golf cart on the green
What Is Golf Cart Insurance?  
Golf cart insurance is a binding agreement between you and your insurance company. In exchange for your premiums, your insurer agrees to pay for covered losses up to your policy limits. Sometimes you can purchase golf cart insurance as an endorsement to your homeowners insurance policy. 

What Does Golf Cart Insurance Cover?  
Owning a golf cart comes with many of the same risks as owning a car. Golf carts can get in collisions, cause injuries or be vandalized. Golf cart insurance can help protect you from unexpected losses.  

The following are some common golf cart insurance coverages: 

  • Liability coverage may help cover costs (e.g., legal fees, medical bills) arising from claims that you caused third-party bodily injury or property damage with your golf cart. 
  • Collision coverage may assist with damage payments if your golf cart requires repairs or replacements following an accident, regardless of fault. 
  • Comprehensive coverage may help pay for damage to your golf cart from noncollision incidents (e.g., animal impacts, weather). 
  • Medical payments coverage may assist with medical payments for injuries you or your passengers suffer following a golf cart accident. 

Additional coverages may be available with your insurance policy. Speak to your agent to learn more.  

Do I Have to Insure My Golf Cart?  
Regulations for golf carts vary among states. As of February 3, 2023, golf cart insurance was not required in Florida. However, if you plan to drive your golf cart on the street or if it qualifies as a low-speed vehicle, you may be required to purchase golf cart insurance. 

Here are some examples of instances where you may be required to own golf cart insurance in Florida: 

  • Your golf cart has a vehicle identification number (VIN). 
  • Your golf cart is street-legal. 
  • Your golf cart can go faster than 20 mph. 

Even when golf cart insurance is not mandated, it may be beneficial to protect you from costly out-of-pocket losses and liability claims. 

Where Can I Buy Golf Insurance? 
The agents at Choice One Network can help you understand your insurance needs. Contact us to learn more about our golf car insurance policies.  

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information. 

Posted 7:06 PM

Tags: golf cart insurance
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