If you’re a golf cart owner, you may be wondering if you need to get insurance for your vehicle. The answer is maybe. While golf carts typically aren’t required to be insured in most states, there are some situations where it may be a good idea to get coverage.
For example, if you use your golf cart on a public road or in a commercial setting, you may be required to have liability insurance. This type of insurance would protect you financially if you were to cause an accident that resulted in property damage or injuries to others.
Even if you don’t use your golf cart on public roads, it’s still a good idea to consider insuring it. This is because golf carts can be expensive to repair or replace if they’re damaged in an accident. If you have comprehensive and collision coverage, your insurance company would help pay to repair or replace your golf cart if it’s damaged in an accident.
If you’re not sure if you need golf cart insurance, it’s a good idea to talk to your insurance agent. They can help you understand your state’s requirements and recommend the type and amount of coverage that’s right for you.