Should You Insure Your Golf Carts?

Posted on 22 October, 2021

Golf course managers understand the importance of caring for their assets. You painstakingly care for the course’s grass, maintain golf carts, and care for customers. Anything that’s valuable is worth investing in, and anything that’s worth investing in is worth insuring. Still, you might be wondering, should I insure my golf carts? Golf cart insurance is one of the best ways to keep your golf carts protected, and golf cart insurance covers a range of different issues. If you’re wondering whether it’s the right choice for you, consider the following four problems that a golf cart insurance policy may cover.

Property Damage Liability

Like any other vehicle, a golf cart can cause damage if it isn’t operated properly. This damage may include damage to another person’s property, in which case the driver or owner of the golf cart may be found liable. Without insurance, the expenses of such an incident would likely be quite costly, but a golf cart insurance policy can shield you from these expenses by covering the damage incurred by an accident. This means that if a golf cart causes damage to another individual’s property, you can rest easy knowing that your insurance policy will likely cover it.

Bodily Injury Liability

In a worst-case scenario, a golf cart may even cause an injury to somebody. If a golf cart collides with a pedestrian, for example, there may be serious injuries that result. The driver or owner of the golf cart would be liable for the trauma caused by such an injury as well as any legal action that could stem from the incident. A golf cart insurance policy is a great way to minimize the likelihood of excessive expenses following an injury. Some policies even cover the costs of legal expenses in the event that legal action does follow.

Medical Payments

In some cases, an accident may cause injuries that necessitate medical treatment. If a victim of an accident seeks treatment as a result of an accident involving your golf cart, you’ll likely be help liable for the medical payments. If you’re wondering how to insure a golf cart in order to avoid this liability, you can get started by finding a trustworthy insurance provider in your area.

Collision Coverage

Operating your golf carts safely is absolutely imperative. Even the most experienced golf cart operator should review safety tips regularly and practice safe driving. Still, accidents happen, and the results can be ugly if you happen to collide with another golf cart. Whether you collide with another one of your own golf carts or the accident involves another owner’s cart, the cost of the damage can be big even when the accident is small. If you’re wondering what does golf cart insurance cover, you’ll be pleased to learn that damage from a collision like this is often covered by your policy.

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.

If you’ve enjoyed what you’ve read here and would like to know when we’ve published a new blog post, please “like” us on our Facebook page, and share this with your Connecticut neighbors.

Dayville Office

Phone: (860) 774-8549

394 Lake Rd

Dayville, CT 06241

United States

info@byrnesagency.com

Hours of Operation: Monday- Friday 9:00am-5:00pm

Norwich Office

Phone: (860) 886-5498

6 Consumers Avenue

Norwich, CT 06360