golf cart insurance

Although it may seem strange to some, a golf cart can become a serious investment for the right kind of person. Whether you’re an avid golfer and club member who likes to have your own cart or someone who lives in a community that supports golf cart use, these vehicles can be a great source of pride for some owners. Like any other vehicle, cars are suspected of being damaged by nature, vandals and thieves, and even from collisions with other vehicles. Thus, some have chosen to take out insurance to cover damage to their cars.

Although many country clubs or residential communities provide some type of garage for car owners, during the average use of a car, the weather can pose a threat to the vehicle. Just like a car or motorcycle, golf carts are susceptible to damage from falling tree limbs that can cause significant damage to the vehicle’s roof and windshield. Similarly, flood or water damage can ruin an electric car’s systems, requiring extensive repair work or outright replacement.

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

Finally, car owners must recognize the threat of thieves and vandals. Like motorcycles, cars often have no notable defense against direct wiring. Although there are some theft deterrents available on the market, including locks and tracking devices, a smart thief can seize a car without warning. Similarly, a vandal may decide to smash a windshield or rip seat cushions out of spite or malice.

To learn more about car owners insurance options, contact an auto insurance expert.