Golf Cart Insurance & Do You Need It, and What Does It Cover?

Whether it's a relaxing ride to the beach or going to pick up something from the local grocery store, golf carts have grown in popularity. There are even towns and communities that encourage the use of golf carts, such as Peachtree City, Georgia, and The Villages, Florida.

As their popularity has grown, so have the legal and financial protections necessary for cart owners. Many states and local communities that allow golf carts on public roads have strict regulations. For example, Peachtree City requires registration for each golf cart.

Mikey's Motors is your local expert in golf cart sales and service. Our team is ready to help you navigate the complexities of insurance coverage to ensure peace of mind on the road or the green.

Understanding When Golf Cart Insurance Is Mandatory

If you have a large parcel of land, you might only use your golf cart to access certain areas. This means you're only using your golf cart on private property. However, if you venture away from, such as running errands around town, you're using public and municipal roads and are subject to local regulations. Some local and state regulations identify golf carts as LSVs or neighborhood electric vehicles. so they can dictate legal insurance requirements.

Street-Legal Requirements and Local Ordinances

There are certain mandates that determine if your golf cart is acceptable for street use. This might include the ability to exceed a certain speed or require you to have certain safety features. These regulations can vary by location. Mikey's Motors helps customers ensure their vehicles meet the necessary safety standards for registration.

Types of Coverage Available for Your Vehicle

A specialized golf cart insurance policy offers several standard components. These areas include liability for bodily injury and property damage, comprehensive for fire, theft, or vandalism, collision coverage, and medical payments. Liability insurance is needed to protect you when a third party is involved. It will cover any third-party claims and protect your assets.

Comprehensive and Collision Protection

If you're in an accident with your golf cart and it's damaged, repair costs can add up quickly. Collision coverage pays for the repair costs after an accident, so you don't have to pay out of pocket.  Your comprehensive coverage covers non-collision events such as theft, fire, or storm damage.

Medical Payments and Uninsured Motorist Coverage

Evan, a small golf cart accident can lead to a pile of medical bills. You want medical coverage included in your insurance policy that covers the driver and passengers, and isn't contingent upon who was at fault. This coverage should help pay medical bills and keep you from getting into debt.

Evaluating Mandatory vs. Optional Policies

You might have heard that you don't need a golf cart insurance policy because any issues with your golf cart can be covered under your homeowner's insurance. This is a misconception. If you're in an accident with a golf cart, the odds are it'll be off your own property, which makes it doubtful that your homeowner's insurance would cover any of the damages. This is one of the biggest limitations of the policy. You may also want to add special riders to your policy. These would provide accessory coverage for customized parts and upgrades installed by Mikey's Motors.

Protect Your Investment with Mikey's Motors

A dedicated insurance policy for your golf cart protects you, your family, and the vehicle if something were to happen. Micky's Motors is dedicated to providing you with high-quality vehicles and expert advice on ownership. We want to be your first call for questions about golf cart ownership. Visit Mikey's Motors' showroom or website to browse the current inventory, or you can speak with a specialist about your specific needs. Contact us now.

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