Learn more about what golf cart insurance covers — from basic liability coverage to comprehensive and collision coverages, and more — so you can rest assured knowing you're up to par no matter what comes your way.
Protecting yourself and your ride with the right golf cart insurance is becoming increasingly important, especially with an average of more than 15,000 golf cart-related emergency room visits in the U.S. every year. Here are some of the things golf cart insurance can cover when you get a policy with Esurance or through our partner.
Comprehensive and collision coverage
If you're ever at fault in a golf cart accident, collision coverage steps in to help pay for property damage you caused to your cart (just as long as your golf cart was made after 1981). It also protects you from paying your cart repair costs out of pocket if you're involved in an accident with an at-fault uninsured motorist.
Comprehensive coverage, on the other hand, covers you for incidents you couldn't have avoided, like theft, vandalism, or weather damage.
Both coverages require that you choose a deductible. If you ever need to make a claim, you pay the deductible you chose for your policy, and your insurance company covers the remainder of the repair or replacement costs.
This helps pay for others' medical bills and property repair costs so that the expenses don't come out of your pocket if you're found at fault in an accident. When deciding what limits to carry on your liability insurance coverage, it's usually recommended to get the most protection you can comfortably afford.
Medical payments coverage
About 40 percent of golf cart-related emergency room visits involve a person falling out of the cart, according to statistics from the Consumer Product Safety Commission. Only about half of these incidents occur on golf courses, with the remaining occurring on streets or other public property, which exposes riders to increased risk.
Medical payments coverage helps cover medical bills for you and your passengers, regardless of fault in an accident. It's especially important to carry if you don't have health insurance, or if your health insurance coverage limits aren't high enough to cover all of your accident-related injuries.
Most of the time, you can use medical payments coverage on injuries related to a covered accident within the past 3 years. Some golf cart insurance policies require you to reach your health insurance coverage limit before dipping into your medical payments coverage.
Uninsured/underinsured motorist coverage
If someone without liability insurance (or enough liability insurance) hits you and causes you and your passengers any injuries, or causes damage to your golf cart, this coverage will protect you from paying for medical and repair expenses with your own savings. It also gives you added financial protection in the event of a hit-and-run accident.
Optional equipment coverage
Customizing your golf cart is a great way to make your riding experience more fun. But those personal touches can cost you a pretty penny, so you'll likely want to protect them.
You can save thousands simply by getting extra security for the updates that make your retooled golf cart uniquely yours. And in most states, you'll receive an automatic $3,000 in accessory coverage just for purchasing comprehensive or collision coverage.