Golf Cart Insurance On and Off the Course

The right coverage for your golf cart depends on whether you use it on or off the course. Golf carts used on the course need general liability insurance. This coverage includes protection from accidents involving other golfers, damage to the course, or any injuries sustained during play. 

Off-course golf carts need more comprehensive protection. In addition to liability coverage, you should secure property damage protection and injury coverage.

Additional Coverage Options

In addition to the primary insurance protections, you should also consider additional coverage options.

Personal Injury Protection

This insurance compensates for medical costs and lost wages after an accident, no matter who is at fault. 

Collision and Comprehensive Coverage

Collision coverage protects your golf cart against damages caused by collision accidents with other vehicles or objects. Comprehensive coverage offers protection for theft, vandalism, and weather-related losses.

Uninsured and Underinsured Motorist Coverage

If you experience an accident with an uninsured or underinsured driver, their coverage may not address your losses sufficiently. This coverage bridges those gaps and protects you from that financial burden.

Accessory Insurance

When you modify your golf cart with custom enhancements, accessory coverage can compensate for those additions, protecting your investment.

Is Your Golf Cart Covered?

As you can see, golf cart insurance is more nuanced than you might have realized. These versatile vehicles deserve comprehensive coverage that addresses the unique needs of owners. 

When you invest in a golf cart, consider how you use it before you secure insurance coverage. Reach out to Byrnes Agency for professional guidance about the coverage that best fits your needs.

About Byrnes Agency 

At Byrnes Agency, we offer insurance solutions that can be tailored to meet your specific needs. Whether you’re looking for personal policies or commercial coverage, we have the right coverage for you. To learn more about our products, contact us today at one of our two locations.

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