Stay on top of your golf game with customized golf cart insurance. We can help you choose the right level of protection and options at the right price. Golf cart accidents can happen at any time and place. You can damage someone’s property or get in an accident while on the golf course. Having golf cart insurance is important because it helps protect you from these kinds of risks.
Golf Cart Policy
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Why Do Golf Carts Need Insurance?
How you use your golf cart affects how much coverage you need. Depending on how you use it, consider these coverages for your golf cart insurance.
Basic golf cart: Helps protect your golf cart if you only drive it on a course. You can add this endorsement to your homeowners insurance policy.
ATV golf cart: Using a modified golf cart at the golf course or off road requires more coverage. You may want to get both ATV insurance for golf carts and umbrella insurance.
Modified – Low speed vehicle (LSV): If you plan to use your golf cart on the course and on public roads, you may need to get an auto insurance policy for LSVs. Depending on where you live, your state may have different insurance requirements. These laws vary by state, so it’s a good idea to make sure you get the right coverage.
Even if your state doesn’t require coverage, it’s important to have because it can help protect your golf cart if it gets damaged or stolen. Without it, you’re responsible for paying for damages and medical bills out of pocket.
Golf Cart Liability Insurance Coverage
If you insure your golf cart with an endorsement on your homeowners insurance policy, you may not have coverage for an accident off the course. With golf cart insurance from MHG, the following coverages can help protect you if you’re in an accident:
Collision coverage that helps pay for physical damage to your golf cart, like scratches or dents from a covered accident. With this coverage, you’ll pay your deductible first and your collision golf cart coverage will help pay the rest.
Property damage liability coverage, which can help fix someone else’s personal property if you damage it. For instance, this can help pay for damages caused by your golf cart to fences, houses or trees.
Bodily injury liability insurance that can protect you if you’re at fault for a covered accident, helping pay medical bills for bodily injuries to people other than you or your passengers.
Medical payments coverage, which helps pay medical care, rehab, recovery and remedial treatment for you or your family after a golf cart accident.
Uninsured motorist coverage that can help pay medical costs to you and your passengers if you’re hit by someone who doesn’t have insurance. It also covers these costs if the person who hit you doesn’t have enough coverage.
Comprehensive coverage, which can help pay for any damage to your golf cart up to its actual cash value, minus your deductible, after a covered loss. This includes damage from fire, theft, glass breakage, riots, windstorms and hail.