Golf Cart Insurance Coverage
You’ve no doubt got a few types of insurance already to protect the things you own, such as car insurance, rental insurance or boat insurance. If you’ve got a golf cart, it may be prudent to invest in a golf cart insurance policy as well. Given how often you use your cart and how expensive it would be to repair or replace it if something goes wrong, you definitely want to have some peace of mind that you’re protected no matter what happens.
Here are some common questions that people have when investigating golf cart insurance coverage.
Do I Need Insurance?
While the legality on this will change by state, it’s still a really good idea to have an insurance policy for your golf cart. Kentucky law requires you to have insurance on any golf cart used as a low-speed vehicle (LSV) or driven on any public roads, such as in a retirement community.
Regardless of the legal requirements, though, insurance coverage on your golf cart can help to cover the costs of repairs or part replacements in the event of damage to your cart. Remember that your golf cart can be vandalized or stolen just like any other vehicle, so you should do everything in your power to protect it!
What Will My Insurance Cover?
How much your golf cart insurance covers will depend upon a few factors. There are several types of coverage you can check out, including:
- Comprehensive Coverage: This coverage helps to replace or repair your golf cart if it’s damaged by weather or vandalism or if it’s stolen.
- Property Damage Liability: If you damage property while driving your golf cart, this coverage helps to cover the costs of those damages.
- Collision Coverage: In the event of a collision, regardless of which driver is at fault, this coverage helps to pay for your golf cart to be repaired.
- Bodily Injury Liability: If your golf cart injures someone else in an accident, this type of coverage should help you to pay for their medical bills.
Bear in mind that you can always add on or reduce your insurance coverage, depending on your needs.
Can I Just Use My Auto or Home Insurance Instead?
Unfortunately, no. It’s unlikely that your golf cart will be covered by a standard policy for your car, truck, home or apartment. This is especially true if you’re using your golf cart outside of your private property. However, you can always talk to the insurer who provides coverage for your home or car to see if they also offer a golf cart policy!
When you’re ready to shop for new and used golf carts for sale, visit one of our two Kentucky dealership locations to check out what we’ve got in stock. Dever Golf Car Sales is proud to serve the cities of Lexington and Louisville, KY.