Golf Cart Insurance

Now, for the most part, golf carts are for going from the clubhouse to the first tee, and continuing on for 18 more holes until the round is finished and the cart is returned to the clubhouse. Increasingly, however, as America’s population ages, and more and more retirees move to large golfing communities in places like Phoenix, and Orlando, golf carts are asked to much more than just traverse the course.

That is because an increasing number of people are choosing to purchase their own carts. More often than not, these folks live on the course, and use these carts to not just transport them around the course, but to get to the clubhouse before the round, and possibly stop at the grocery store on the way home. New, larger, golfing communities are now home to many residents that travel down the street in their golf carts, and why not? With sunny weather, and the free time that retirees enjoy, there is no reason not to use the golf cart as a primary mode of transportation. It is better for the environment, too.

Of course, with increased usage comes increased risk. The seemingly harmless golf cart can actually cause a fair bit of damage, if driven irresponsibly, and should be insured. Many insurance companies are now offering golf cart insurance as demand for this product has soared in recent years. And a number of different products are available:

• Bodily Injury and Property Damage Liability
• Comprehensive
• Collision
• Accessory Coverage
• Transport Trailer Coverage
• Roadside Assistance

Insurance companies today are able to cover everything from your brand new Club Car to your classic Harley Davidson Golf Cart… it’s just a matter of signing up. Of course, not all of these policies are going to be right for everyone, but it is important for you to take the time to consider which of these might be right for your needs. Of the six listed above, I think most would agree that the first three are the most important, but Read the rest of this entry »

To be perfectly honest, this question comes up a lot… Can I get by without golf cart liability insurance? Well, if you’re asking yourself this question at all, then kudos. It doesn’t even occur to most people that something like this might be a wise thing to look into. And why bother? When we’re driving our golf carts around, we don’t really expect anything bad to happen, we’re not going very fast, it’s in the middle of broad daylight, we’ve only had two or three beers at most, and the list goes on and on. Fact is, you can make similar arguments with just about everything that folks insure these days. Will the worst possible scenario actually happen? Probably not. But let’s take a closer look at why you just might like to consider insuring your golf cart.

Consider this: Over 90% of all golf cart accidents occur when absolutely no foul play whatsoever was involved. No alcohol. No kids stealing the cart for a joy ride. No races around the clubhouse in the midst of foot traffic and other obstacles. The vast majority of accidents happen out on the golf course, when there doesn’t seem to be any cause for concern. Many accidents take place due to unexpected health conditions such as heat stroke or heart attack. The other most common cause is Read the rest of this entry »