Golf carts are legally recognized as a form of transport in most states and countries, whether used on private lands such as resorts and golf clubs or public highways, insurance of the golf cart is vital. In order to understand golf cart insurance, it is important to be acquainted with laws regarding golf carts. In some states / countries golf cart insurance is mandatory while in others it is not.

Golf Cart Insurance Liability Coverage

Using a golf cart without insuring it leaves one vulnerable to legal and medical costs that will arise in the case of an accident. It is therefore important to get an insurance policy that offers cover for the following important aspects.

• Medical- This covers any medical costs for you and any other persons that are injured while using the golf cart. It is also important to have a medical insurance that covers any treatment needed in case one is injured in the golf cart.
• Liability- It is vital to purchase liability coverage which covers you legally against any claims made by a third party for property damage or body injury while using the golf cart.
• Fire and Theft- Golf carts are quite costly and this policy covers your gold cart in case of theft or any fire accidents.
• Additional coverage- most of the policies do not cover you for theft of equipment in your golf cart. In case you have expensive golfing equipment it is important to choose a comprehensive golf insurance policy that will cover them against theft, fire or damage.

Most insurance companies cover the golf carts under the homeowner’s policy and covers only for property damage. One should ensure the policy chosen offers adequate cover for himself and his property.

Golf Cart Insurance cost / premium

Most insurance agencies offer golf cart insurance for $60-$80 per year depending on the coverage limits that you have given them. There are other services besides insurance that you can pay for your golf cart.

In addition to the basic policies, some insurance companies offer accessory coverage for such equipment as the tool boxes, luggage rack and wind shield among others.

Golf cart insurance is necessary for anyone who owns and regularly uses a golf cart as it will not only protect your investment against loss through fire, damage or theft but will also protect you and others against any legal and medical costs in case of an accident.

Article courtesy of golf cart insurance.

Tags: Golf Cart Insurance, Golf Insurance, Golfing Equipment

09 September 2011 in Golf Cart 0 Comments

The top news from BBC sports was Swansea City defender Alan Tate broke his leg in golf buggy accident. Swansea City football club have described it as a “bizarre golfing accident”.

Tate was a passenger in aGolf cart at a south Wales golf club on Sunday afternoon when it “lost control”, Swansea said.

If it was that serious, I guese the following golf cart accident video demonstrates how the leg got injured. This is no laughing matter!

08 August 2011 in Golf Cart 0 Comments

Although not mandated, some golf cart manufacturers recommend installing golf cart seat belts. Costs start at $25 per belt, depending on the cart model.

This is a small price to pay for your safety and that of others if you consider the risks involved. A good example was On June 4 2011, a Tennessee woman riding in a Golf cart which her boyfriend was driving fell out suffering fatal injuries.

You can shop for Golf cart seat belts online at Amazon or visit your local pro shop.

Tags: Amazon, Cart Seat, Golf Cart Manufacturers, Seat Belts, Tennessee Woman

06 June 2011 in Golf Cart 0 Comments