If you’re a golf cart owner in South Carolina, you may be wondering if you need insurance for your vehicle. The answer is maybe. South Carolina is one of a handful of states that doesn’t have a law mandating golf cart insurance, but that doesn’t mean it’s not a good idea to have some form of coverage.
While your golf cart probably isn’t worth a lot of money, it can still be damaged or stolen. And if you’re in an accident, you could be held liable for damages to other people or property. That’s where golf cart insurance comes in.
There are a few different types of golf cart insurance available in South Carolina. You can get liability coverage, which will protect you if you’re at fault in an accident, or collision and comprehensive coverage, which will pay for damage to your golf cart regardless of who is at fault.
You can also get personal injury protection, which will cover medical expenses for you and your passengers if you’re in an accident.
The amount of coverage you need will depend on a few factors, including the value of your golf cart and how often you use it. You may be able to get by with just liability coverage if your golf cart is worth less than $2,000 and you don’t use it very often. But if you have a more expensive golf cart or you use it more frequently, you’ll probably want to get collision and comprehensive coverage as well.
You can get golf cart insurance through most auto insurance companies. The cost will vary depending on the amount of coverage you get and the value of your golf cart, but it’s generally pretty affordable.
So if you’re a golf cart owner in South Carolina, consider getting some insurance for your vehicle. It may not be required by law, but it’s a good way to protect yourself and your golf cart.