Insuring Your Golf Cart
Just like any other type of big-ticket vehicle, you can and should insure your golf cart. Golf cart insurance policies are available through most of the major insurance companies in the United States, and they typically cover all manner of expenses that you might experience while using your golf cart. Some coverage options include bodily injury liability, damage to your golf cart, property damage and collisions.
Carts Gone Wild in Haubstadt is your Indiana golf cart dealer, serving Evansville and greater Indianapolis. Here are some tips on acquiring insurance coverage for your golf cart.
Do I Have to Have Golf Cart Insurance?
In Indiana, the need for insurance may vary by city, but it is highly recommended that you obtain insurance coverage for your golf cart regardless of whether you’re legally required to do so. Check the laws for your town or city, especially if you plan to use your golf cart on public roads rather than at a golf course, to learn what types of coverage may be necessary in your area.
Consider, too, the fact that a golf cart, like any vehicle, may be stolen or damaged, which can result in heavy costs for you. Why not protect your investment with coverage just in case the worst happens?
What Does Golf Cart Insurance Cover?
Policies will vary depending on what you spend and what you’re looking for. Here are some of the typical coverages offered by insurance companies on your cart:
- Bodily injury liability: In the event that an accident involving your golf cart injures someone else, this coverage can help you to cover that person’s medical expenses.
- Collision coverage: Should your golf cart suffer a collision, no matter which driver’s at fault, this coverage can help pay for repairs to your golf cart.
- Comprehensive coverage: If your golf cart is stolen or damaged by inclement weather or vandalism, this coverage can help to pay for repairs as well.
- Property damage liability: If you’re legally responsible for damaging someone else’s property with your golf cart, this coverage can help you pay for damages.
You can also add more types of coverage or increase the coverage in many cases, although coverage limits will apply. You are also likely to have to pay a deductible with all types of coverage.
Should I Rely on Car or Home Insurance?
No. Your golf cart is not likely to be covered by either of these policies that you may already hold, especially if your golf cart is damaged or involved in an accident off your property. And car insurance is designed for street-legal registered vehicles. Some car and home insurers offer additional coverage specifically for golf carts, though, so talk to your insurance agent to learn more about that. Bundling more than one type of insurance with the same carrier can even help you to save money on your coverage!
Seeking golf carts for sale near Illinois? Visit our dealership in Haubstadt, IN, today to check out our fine selection of new and used golf carts for sale. Carts Gone Wild proudly serves the whole Indianapolis area as well as Evansville, IN.