What to Know About Getting Golf Cart Insurance

Many of today’s communities encourage the ease and convenience of getting around in the comfort of a golf cart. Head out to grab groceries. Cruise around the local streets, taking in the views. Head over for a bite to eat at your favorite local spot. Why not skip the car, and enjoy the golf cart instead.

Like driving a car, it’s imperative to have golf cart insurance. However, using your cart off of a course increases driving and personal risk. If you’re ready to head out in your cart, work with your agent to select a plan that offers financial safeguards.

Why Do You Need Golf Cart Insurance?

Anything that could happen in a car could occur in a cart. These vehicles prove popular and fun among families, and while they certainly deliver an alternative traveling mode, they have far fewer safety regulations than other vehicles.

Carts may lack seat belt restraints, and their open-air format, although lovely for a breeze, makes it easier for spills and falls. The American Academy of Pediatrics noted in a 2021 article that more than 6,500 golf-cart-related accidents take place annually, impacting children. Adults, too, may incur injuries when collisions happen on the roadway.

Texassafetyatwork.com notes the most common issues with golf carts. People falling or jumping from the cart rank at the top, with being struck or hit placing second. Collision and rolls also prove problematic. Keep arms and hands inside the vehicle at all times, and follow the road rules. Follow safety protocols and ensure passengers and other family members understand how to use the device properly.

Should You Insure Your Golf Cart?

When you hit the links in a course’s cart, they remain responsible for the damage. Your golf cart, though, remains your responsibility. If your kids head out and smash a mailbox, you need to pay the damages. If you take it out for a ride and rear-end a car, you can receive a ticket and remain liable for your cart’s repair and the other party’s.

Without appropriate insurance, this money comes from your pocket. With a golf cart policy, reap the benefit of filing a claim and seeking financial assistance from your insurer. Your selected policy may help fix the vehicles and damage to other property and aid in medical care for you and impacted passengers.

Finally, although a recreational vehicle, many states mandate insurance for those choosing to drive golf carts on the road. Check your state legislation to determine whether you need a license and insurance to use the golf cart outside of course paths. It’s as essential as property and car insurance policies. You may break the law and suffer additional fines and punishments without it.

Personal golf carts provide an enjoyable means of getting around the neighborhood. However, be careful. Accidents can still happen. Protect yourself. Talk with your agent about the value of golf cart insurance.

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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