Insuring Street Legal Golf Carts

Despite their smaller stature, owning and operating a golf cart requires you to account for many of the same risks and exposures as you might for a car or larger vehicle. Golf carts can still reach relatively high speeds and may inflict significant injuries or property damage during collisions. Furthermore, these vehicles often represent substantial financial investments that must be protected. With these things in mind, insurance is integral to responsible ownership.

However, this subject can be nuanced and complicated, particularly when you plan to use your golf cart for means other than searching for your ball or bridging the distances between a hole and the next tee. At Southern Insurance AL LLC, our dedicated team has an in-depth understanding of golf cart coverage and applicable rules and regulations and is eager to assist you in securing an adequate policy.

What Is Golf Cart Insurance?

Golf cart insurance is a specialized insurance product with many features and options that may make policies resemble standard auto insurance, including third-party liability coverage, collision coverage and comprehensive coverage. Your golf cart insurance acts as a contractual agreement between you and your insurance company. After selecting coverage options and finalizing your policy details, you pay a regular premium and can file a claim for financial assistance following covered incidents. If approved, your insurer can issue a payout to limit out-of-pocket losses and expenses up to your coverage limits and minus applicable deductibles.

Are There Specific Rules for Driving Golf Carts on Streets?

While their name may suggest specific uses related to the links, golf carts are also often convenient and enjoyable ways to travel your neighborhood or conduct shorter trips. However, taking your vehicle off the course and using it in public areas requires you to adhere to varying laws and regulations. Exact requirements may vary depending on your location, as many states and local jurisdictions may impose their own standards. In many cases, you may be required to maintain and purchase third-party liability coverage to compensate others should you be at fault for their bodily injuries or property damage.

You should also be aware of any requirements not directly related to insurance. For example, in Alabama, golf cart owners may be required to upgrade their vehicles before being allowed to drive them on public roads. This is often to ensure your vehicle can travel at speeds that do not hinder other traffic. Additional enhancements, such as lighting fixtures, turn signals, mirrors and seatbelts, may also be mandated.

We’re Here to Help

At Southern Insurance AL LLC, we’ve proudly served the Foley, Alabama, area for over 30 years. Our independent agents will draw on this extensive knowledge and experience and explore a network of highly rated carriers to ensure you have suitable golf cart insurance. Contact us today to learn more.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.