Golf Cart Insurance
Golf carts are not just for the golf course anymore. Many people now use these low-speed vehicles far from the fairway as an easy way to get around the neighborhood. Whether it’s a quick trip to the corner market or taking the kids to the soccer field right down the road, golf carts are becoming a popular way to travel and get errands done, simply because they’re convenient and cost less than a car to run.
But while golf carts may seem simple to operate, accidents can happen. Every year, injuries resulting from golf cart accidents send more than 15,000 people to the emergency room. It’s important to remember that if you plan to drive your golf cart on a public road, local and state laws may have specific requirements when it comes to insuring these smaller vehicles. Ensuring you have adequate liability coverage should be a top consideration.
Do You Need Golf Cart Insurance?
For insurance purposes, a golf cart is defined as a four-passenger vehicle designed for speeds of no more than 25 miles per hour. If you’re using your low-speed vehicle to get around town, a standard homeowners policy may offer golf cart owners limited liability protection when the vehicle is operated on public roads located in private residential communities where the golf cart owner has a residence. In general, the coverage only exists if:
- The residential community is subject to a property owners’ association.
- The roads are legal for golf cart travel.
- The golf cart is owned by an insured who lives in the residential community.
Exceptional Service and Solutions Tailored Just For You
BayCoast Insurance is proud to offer a wide range of high-quality insurance products for the members of our community, including homeowners, rental, auto, boat, umbrella insurance, and more.
If you need additional information about Golf Cart Insurance, our team of experts can evaluate your unique needs and help you determine if this type of policy may be the right choice for you and your lifestyle. Please call 508-996-7710 or 508-491-3100. You may also visit us at any of our convenient locations on the South Coast of Massachusetts and Rhode Island for assistance.