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 just careless driving on familiar and unfamiliar terrain. It doesn’t take much in terms of a delayed reaction of response to cause an accident. Cart paths are far from being the same safe surfaces that streets are for driving cars. There are steep drop offs, water nearby, and other pitfalls that ruin golf carts every year. So, you can bet that one of these hazards exists at your local course.
In the end, you’re the only one that can make up your mind with regards to whether or not to insure a golf cart. But in the back of your mind, and especially if you’re interested enough to do a little research online, you know that it wouldn’t be a bad idea. For most people, insuring a golf cart isn’t even the least expensive thing they have insured. Think about smaller pieces of jewelry and art. Combining the relative inexpensiveness of the insurance coverage with the added piece of mind that is granted to people with golf cart liability insurance is often more than enough to convince most people that it is money well spent. But take some time to make up your own mind, and go ahead and get a quote. You’ll probably be surprised at how cheap it is, and you’ll wonder why you didn’t insure your golf cart sooner.