Golf Cart Insurance

By James Witherspoon

Although it may seem strange to some, a golf cart can become a serious investment to the right kind of person. Whether an avid golfer and club member who likes to keep their own cart or an individual living in a community that supports the use of golf carts, these vehicles can be immense sources of pride for some owners. Like any other vehicle, carts are suspect to damages from nature, vandals and thieves, and even from collisions with other vehicles. Thus, some have opted to take out an insurance policy to cover damages against their carts.

Although many country clubs or living communities provide some sort of garage for cart owners, during the average use of a cart, the weather may pose a threat to the vehicle. Like a car or a motorcycle, golf carts are susceptible to damages from falling tree branches which can cause considerable damage to the roof and windshield of the vehicle. Similarly, flood or water damages may ruin an electric cart’s systems, requiring extensive repair work or flat-out replacement.

It may seem unlikely, but a cart can also end up in an accident with another, usually larger motor vehicle. In particular, areas such as living communities may see a mixture of full-sized cars and trucks as well as residents using golf carts to get around. Considering the size and mobility of a cart, may be difficult for drivers to see these vehicles, especially when backing up, and carts may not be fast enough to get out of the way.

Finally, cart owners must recognize the threat of thieves and vandals. Like motorcycles, carts are often without a notable defense from outright hot-wiring. Although there are some theft deterrents available on the market, including both locks and tracing devices, a savvy thief may be able to take a cart without notice. Similarly, a vandal may decide to smash in a windshield or rip up seat cushions out of spite or malice.

For more information regarding insurance options for cart owners, contact an auto insurance expert.

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