Being a mother to three young children, I am always looking for ways to entertain. One of my go-to sources for the free entertainment is the golf cart to our family. This time of year is just cruising around in the golf cart, and my kids seem to love. All I have to do is grab popsicles and we're off!
After buying our golf cart it a few years ago, my husband and I had to ask how we and our new investment to protect properly . There were a lot of things we need to consider as we planned the operation of our golf cart on, and off our property.
How do you know if your golf cart belonging is properly insured? Consider the following scenarios:
Q: What if I hurt a pedestrian or damage the property of my neighbor with my golf cart while I'm traveling on my street? Is my home or auto policy provide any coverage
A :? Most likely not. Here's why:
- Your homeowners policy only provides for liability for your golf cart belonging coverage when it is driven out of your property in limited circumstances. For example, if designed to carry four people or less, not built or modified to exceed 25 mph and is used on a secured golf course or in private residential community where your residence is located (if the residential community private is subject to the authority of an association of owners).
- Your car insurance policy will not provide liability coverage unless it is approved to provide coverage because not endorsed auto insurance policy does not provide coverage for vehicles designed primarily for use off public roads and not, except in limited circumstances, cover the vehicle you own that are not on the policy
Q :. what if I caused injury to myself or my passengers or damage my golf cart, while operating off my property? Will any coverage under my auto policy or
? A: No. That's why
- Your home insurance provides only the physical damage coverage for your golf cart belonging if it is being used only for the maintenance of your property. Regarding medical expenses for you or your passengers, there is no coverage for these medical payments as part of your homeowners policy.
- Your auto insurance policy does not provide coverage for medical payments for you or your children, because a golf cart is not designed for use mainly on public roads. it would cover for all the other passengers from the golf cart is not on the auto policy. The physical damage coverage for your golf cart is not included in your auto insurance policy for the same reason.
If you own a golf cart, do not worry! You have options for you and your golf cart covers properly! While you can add coverage for physical damage to your golf cart in approving your homeowner policy, the liability coverage under the homeowner's policy is limited. To provide you with the best coverage, ask your independent agent about options available to add golf coverage to your current personal auto insurance policy. Alternatively, you can buy a separate policy golf cart to provide the most comprehensive coverage. Anyway, talk to your trusted insurance advisor today to learn the best options for you and your golf cart cover.
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