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Whether or not you need specific golf cart insurance depends on where you live, what type of existing insurance coverage you have, the type of golf cart you own, and how you use it. There is no easy answer for everyone, but there are few things you should consider.  Also, talk to your homeowner’s or automobile insurance carrier.  They can help you decided if your golf cart is adequately covered.

Golf cart use has been on a steady rise for years and the trend is continuing.  Once used exclusively on golf courses, these vehicles have become popular modes of transportation in retirement communities, islands, resorts, and planned communities like Peachtree City, Georgia, Sun City, Arizona, and The Villages, Florida.  With the increased popularity has come an increase in accidents and injuries.  Some golf cart owners have been surprised to discover that their insurance did not cover their golf cart accident.

In many cases, your homeowner’s insurance will provide liability coverage for a golf cart used on a golf course or in a golf community but there are usually restrictions on the size, power, and type of golf cart.  Your automobile policy may also provide some liability coverage as well.  If you have a street legal personal golf cart, it will most likely be excluded from your standard homeowner’s insurance policy or automobile policy.

If you are using the golf cart on public roads, there are probably state laws that require you to have insurance on the golf cart, especially if the golf cart must be registered.  If you live in a retirement community, planned community, golf community, or any type of community that allows golf carts to be driven on the roads or paths, there are likely to be specific local insurance requirements. Check with your homeowners association or local government.