If you’re a Michigan golfer, you know that having a golf cart is a great way to get around the course. But did you know that you need to insure your golf cart?
Golf cart insurance is not required in Michigan, but it’s a good idea to have if you want to protect your investment. Golf carts can be expensive, and if something happens to yours, you’ll be glad you have insurance.
There are a few things to consider when you’re shopping for golf cart insurance. First, you need to decide if you want physical damage coverage or liability coverage. Physical damage coverage will protect your golf cart if it’s damaged in an accident. Liability coverage will protect you if you’re sued for damages after an accident.
Next, you need to decide how much coverage you need. You can get golf cart insurance with a low deductible or a high deductible. A low deductible will mean that your premiums will be higher, but you’ll have more protection if something happens to your golf cart. A high deductible will mean that your premiums will be lower, but you’ll have less protection if something happens to your golf cart.
Finally, you need to decide if you want to insure your golf cart for its replacement value or its actual cash value. Replacement value coverage will pay to replace your golf cart if it’s totaled in an accident. Actual cash value coverage will pay you the current market value of your golf cart if it’s totaled in an accident.
Golf cart insurance is a great way to protect your investment. Be sure to shop around and compare rates before you buy.