Golf enthusiasts from around the world are drawn to Florida’s sunny skies, lush landscapes, and picturesque golf courses. Golfers use golf carts not only to get from one hole to the next but also to experience accidents and mishaps, both on and off the course. This article will delve into the world of golf cart insurance in Florida, exploring the necessity of it, what it covers, and how you can ensure your golfing experience remains enjoyable and worry-free. Understanding the ins and outs of golf cart insurance will help you navigate the greens with confidence, whether you’re a Florida resident or a visitor teeing off in the Sunshine State.
What are the requirements for golf cart insurance in Florida?
Florida does not require golf cart insurance for golf carts that meet the following criteria:
- Designers and manufacturers create them for sporting or recreational purposes on a golf course.
- They must not exceed 20 miles per hour.
- Drivers drive on designated roadways with a maximum speed limit of 30 mph.
- The state does not title or register them.
However, the state of Florida requires golf cart insurance for low-speed vehicles (LSVs) that meet the following criteria:
- Their top speed is greater than 20 mph but lower than 25 mph.
- A state has assigned them a VIN.
- Street legal vehicles have the necessary safety equipment, such as headlights, tail lights, brake lights, turn signals, mirrors, seat belts, windshields, and reflex reflectors.
- Streets where the speed limit is 35 mph or slower operate them.
- Florida requires LSVs to have a minimum liability coverage of $10,000 each in Property Damage Liability (PDL) and Personal Injury Protection (PIP).
Even if you are not required to have golf cart insurance for your golf cart, getting coverage to protect yourself and others in case of an accident may be a smart idea. Golf cart insurance offers financial protection for bodily injury, property damage, medical payments, collision, comprehensive, and uninsured/underinsured motorist coverage.
What does golf cart insurance in Florida cover?
Florida golf cart insurance may cover a variety of dangers. Common coverage includes following:
Liability coverage: Liability coverage covers the damages or injuries caused by you to others or their property while driving your golf cart. Florida requires low-speed vehicles (LSVs) to have this, but golf carts are exempt. However, experts recommend having this coverage in case someone sues you for an accident. Florida requires LSVs to have a minimum liability coverage of $10,000 for property damage and personal injury protection.
Collision coverage: Collision coverage covers the repairs or replacement of your golf cart if it collides with another vehicle or object and gets damaged. Using this option can help you avoid paying out of pocket for your golf cart repairs.
Comprehensive coverage: Comprehensive coverage covers damages to your golf cart caused by events other than collision, such as theft, vandalism, fire, flood, wind, or animal damage. You can also choose to protect your golf cart from unexpected losses.
Medical payments coverage: Medical payments coverage covers the medical expenses for you and your passengers if a golf cart accident injures you, regardless of who is at fault. You can choose to use this to help pay for your medical bills or deductibles.
Uninsured/underinsured motorist coverage: Uninsured/underinsured motorist coverage covers the damages or injuries you suffer if a driver without insurance or with insufficient insurance hits you. You can choose to have financial security in case of a hit-and-run or an uninsured driver.
How much does golf cart insurance cost in Florida?
The type of golf cart, the coverage options, and the insurance company can all affect the typical cost of golf cart insurance in Florida. However, you can expect to pay as little as $75 per year for golf cart insurance in Florida. Some factors that can affect the price of golf cart insurance include:
Whether or not the golf cart is categorised as a low-speed vehicle (LSV), Florida requires LSVs to have minimum liability coverage, while golf carts do not require it. LSVs can drive on public streets with a speed limit of 35 mph or lower, while golf carts must stick to designated roadways with a speed limit of 30 mph or lower.
Has anyone modified the golf cart? Modifying the golf cart to increase its speed, performance, or appearance can change its classification and increase its value, which can affect the insurance premium.
What kind of coverage do you choose? Different types of coverage can be included in golf cart insurance, such as property damage liability, personal injury protection, collision, comprehensive, uninsured or underinsured motorist, medical payments, and accessory coverage. Selecting more coverage options will increase the cost of insurance.
Do you need insurance for a golf cart in Florida?
In Florida, you can drive a golf cart that satisfies the definition without having insurance. I wrote the report. However, if an LSV definition is met by your golf cart, then you must have minimum liability coverage of $10,000 each in Property Damage Liability (PDL) and Personal Injury Protection (PIP). To operate an LSV on public roads, you need to have a valid driver’s licence, a state-assigned VIN, and certain safety equipment.
The best golf cart insurance companies in Florida
The best golf cart insurance companies in Florida are:
The Villages Insurance
The Villages Insurance provides insurance and risk management solutions to families and businesses in and around the Villages community. They provide golf cart insurance options that include comprehensive, collision, liability, medical payments, and uninsured or underinsured motorist coverage. Multiple policies, safety features, and low mileage also qualify for discounts.
The American Golf Cart Association
The American Golf Cart Association is a family-owned company that provides golf cart transportation services and offers golf cart insurance through their partner, Stratum Insurance Agency. Their coverage options include golf carts, low-speed vehicles, ATVs, UTVs, and other recreational vehicles. In addition, they offer roadside assistance, towing, and rental reimbursement services.
Progressive
Progressive is one of the largest and most popular insurance companies in the US. They provide various coverage options for golf cart insurance, including bodily injury and property damage liability, comprehensive and collision, medical payments, uninsured/underinsured motorist, custom parts and equipment, and roadside assistance. They also offer discounts for bundling policies, paying in full, and maintaining a clean driving record.
Open House Insurance
Open House Insurance4 is a local independent insurance agency that specializes in providing golf cart insurance in Florida. Multiple carriers are accessible to them, and they can assist you in finding the best coverage and price for your golf cart. They provide coverage options including liability, collision, comprehensive, medical payments, uninsured or underinsured motorist, accessory coverage, and roadside assistance.