Why You Need golf cart Insurance

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Some of the golf carts we can help find coverage for:

2-Seater
Golf Limo
4-Seater

NOT REQUIRED, UNLESS…      

You have a loan on your golf cart.

LIABILITY PROTECTION:

Shield yourself from liability for injuries, property damage, and lawsuits.

YOUR MEDICAL EXPENSES:

Ensure coverage for medical expenses for you and your passengers in case of an accident.

PROTECTION FOR YOUR GOLF CART:

The two standard coverages do not provide protection for damage or replacement of your golf cart.  To ensure coverage for your golf cart, Collision and Comprehensive coverages are needed.

There are Two Standard Golf Cart Coverages:

Bodily Injury Liability (BI):  

This coverage pays for the medical expenses of others if you’re at fault in a golf cart accident.  BI coverage extends to passengers in other vehicles, pedestrians or cyclists who may be injured.  BI includes compensation for medical costs, pain and suffering, and lost wages for the injured parties.

However, BI does not cover injuries to you or your passengers.  To ensure coverage for injuries sustained by you or your passengers, you must purchase optional medical coverage.

Property Damage Liability (PD):  

This coverage pays for the costs of repairing or replacing another person’s damaged property if you are found at fault in an accident.  PD covers repairs to their vehicles and other damaged property.  

However, PD does not cover damage to your golf cart.  To cover damages and repairs to your golf cart, you must purchase optional Collision and Comprehensive Coverages.

Optional Golf Cart Insurance Coverages:

Collision Coverage:

Helps cover the cost of repairing or replacing your golf cart after an accident, regardless of who is at fault.

Example: While descending a steep hill from the tee box to the fairway, you lose control and slide off the cart path, colliding with a tree causing $1,000 in damage to your golf cart. You have a $250 collision deductible, you’ll pay that amount, and your insurance company will pay the remaining $750.

Comprehensive Coverage:

Protects against non-collision events out of your control, such as theft, fire, vandalism, and more.

Example: Your new golf cart has been stolen from a parking lot.  With a $250 deductible , you’ll pay that amount to replace your golf cart, and the insurance company will cover the remainder.

Uninsured/Underinsured Motorist Coverage (UM/UIM):

This coverage protects against injuries to you and your passengers, as well as property damage, caused by a driver with little or no insurance.

Example: While driving down the fairway, your golf cart gets hit by an uninsured golf cart driver. Your injuries generate $5,000 in medical bills. With UM/UIM coverage with $50,000/$100,000 limits, your bills are paid in full because they do not exceed the coverage limits.

Medical Coverage:

Pays for injuries sustained by either you or your passengers, regardless of fault.

Example: You lost control of your golf cart and crashed, resulting in injuries that required $10,000 for medical care and rehabilitation. With a $20,000 medical coverage limit, your policy covers all your bills.

Accessory Coverage:

If you have both comprehensive and collision coverage on your golf cart policy, you automatically have $3,000 in accessory coverage. Additional coverage can be purchased if needed, up to $30,000.

Example: The radio and speakers you added to your golf cart are damaged in a hailstorm. They cost $2,000 to replace which is covered by your accessory coverage.

Guest Passenger Liability Coverage:

If passengers are injured while riding in your golf cart, guest passenger liability coverage can cover their injuries up to the limits of your policy.

Example: Your playing partner slips and falls while getting into the cart and is injured. Your liability for your partner’s injuries is covered.

Potential Savings to Explore:

Insurance discounts can differ depending on the insurance provider you select.  It is important to note that not all carriers offer the same discounts.

Payment Discounts:

Pay in Full:  Save by paying for your entire premium upfront rather than making monthly payments.

Prompt Payment:  Earn a discount by consistently paying your premiums on time.

Safe Driving Rewards:

Responsible Driver:  Earn a discount if you have maintained a clean driving record with no accidents or motor vehicle violation for the past three years.

Policyholder Savings:

Homeowner Discount:  You receive a discount simply for being a homeowner.

Flexi-Bundle™ & Save:

Flexi-Bundle™ Discount:  Combine up to four insurance products and select from up to four insurance carriers.

Frequently Asked Questions

You have two payment options:

Option 1:  Click the Carrier tab, scroll to locate your carrier. Most carriers accept online payments via check, credit card, or ACH.  Click on your carrier’s name and proceed to make your payment.

Option 2:  Click the Customer Center tab. Scroll down to find the Input1 icon. Input1 offers digital payment options, including ApplePay and eWallet.  Click on the Input1 icon, log in, and make your payment. 

Here are some things to consider if you are deciding whether to file a claim:

  • Was anyone injured?
  • Did you damage someone else’s property or vehicle?
  • Is it unsafe to drive your golf cart?
  • Are the damages above your deductible?
  • Is it just a maintenance issue or normal wear-and-tear?

If your answer is yes to one or more of the above questions, you should consider filing a claim. If you have questions about filing a claim, call your carrier directly

Report The Claim by Phone:

  • Click on the Carrier tab.
  • Locate your insurance carrier.
  • Use the carrier’s claims phone number to report the claim.

Report The Claim Online:

  • Click on the Carrier tab.
  • Use the carrier’s claims website link to report the claim online.

Step 1: Document the Scene

  • Take photos of the damage to all vehicles involved.
  • Capture the positions of the vehicles.
  • Photograph the license plates of the other vehicles.

Step 2: Exchange Information

  • Share insurance details with other drivers and note any passengers.
  • Contact the police to assist with information exchange and file a police report.
  • Try not to apologize or make statements that could be construed as admitting fault.

Step 3: Collect Additional Information

  • Make note of the accident location.
  • Make note of the towing company if your golf cart requires towing.

Step 4: Notify Your Insurance Carrier

What is a Deductible?

A deductible is the amount of money you must pay out of pocket for covered expenses before your insurance coverage begins to apply.

For example, if your golf cart insurance collision deductible is $250 and you incur $1,000 in damages, the insurance company will pay the repair shop $750, and you would be responsible for paying your $250 deductible.

Absolutely. We use secure encryption technology to keep your personal information safe. When it comes to your application, we never pull your data without your approval first. We will also never sell your data to any third party…ever.

Golf Cart liability coverage limits in Michigan apply to Bodily Injury (BI), Property Damage (PD), Uninsured Motorist (UM) and Underinsured Motorist (UIM) coverages.

They are typically written out as three numbers like 25/50/25. Here’s what they mean:

  • $25,000 limit per person for Bodily Injury in an accident
  • $50,000 total limit per accident for Bodily Injury
  • $25,000 limit per accident for Property Damage.

If you have questions, you can call, text, email, or live chat with a real expert at Insurish who is standing by to help. No matter how you contact us, we will get back to you immediately. For help, click the Contact Us tab.

We offer a wide range of insurance solutions for all your personal needs, like auto, home, life, health & more. For businesses, we provide coverages like liability, property, vehicles and more. Additionally, we offer a variety of car care products and are actively expanding our range of safety and security products to ensure comprehensive coverage for all aspects of protection for our customers. 

Yes, we suggest obtaining an estimate before initiating a claim.  Once you have your estimate, please give us a call to discuss your options. We’ll also review your policy with you to determine if your estimate exceeds your deductible.

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Please Note:

At Insurish, we provide general information on insurance products to help you grasp their different aspects. It’s important to note that this information isn’t an insurance policy and doesn’t pertain to any specific carrier’s policy. It doesn’t alter any provisions, limitations, or exclusions expressly stated in an insurance policy. Descriptions of coverages, discounts, and features are concise. For a comprehensive understanding of specific policy details, we recommend reading the applicable policy and consulting an Insurish agent. Coverages and features vary by insurer and state and may not be available in all states. Coverage for accidents or losses depends on the terms and conditions of the actual insurance policy. References to premiums, losses, deductibles, and costs are illustrative and may not apply to your circumstances. Insurish is not liable for the content of third-party sites linked from this page.