People are increasingly using a golf cart for more than just golf. Many homeowners use them around their properties or even to travel to neighboring properties. For example, a couple may own a vacation home in a gated community located in a rural waterfront area. They have a golf cart that they use on the roads within the community to shuttle between their neighbors’ homes. The cart may suffer damage in some way or even be destroyed in a collision or fire. Also, it may injure another person or damage someone’s property; for example, it could roll over a person’s foot if the user has not parked it correctly. If something like this occurs, the golf cart owner needs to have proper and adequate insurance.
You will enjoy your time cruising in your community when you are not worried about the safety of yourself, your passengers, or your investment. Here are several factors to consider:
- If you are in an accident or your golf cart is stolen, it can be very expensive to repair or replace it.
- If you or a passenger is injured in an accident, medical costs can be extremely expensive.
- If your golf cart is responsible for damage or injury to others, you may be sued for more than you are worth.
- Your golf cart is likely one of your prized possessions and it deserves special protection.
There are several questions that you should be prepared to ask your insurance agent. These questions include:
- How much can I afford to pay if my golf cart is in an accident, damaged, or stolen? Ask your agent what your cost savings would be if you raised your deductible.
- What discounts and programs are available?
- How much medical and liability coverage should I have?
- Does the insurance company have a good reputation for customer service? Is it known for paying claims fairly and promptly?
- What is the process for filing and settling a claim?