Do You Need To Register And Insure A Golf Cart In Florida

Is Golf game Cart Insurance Required in Florida?

If you take a golf cart, if yous know someone with a golf cart, or if you are considering the purchase of a golf cart, you need to read this earlier making a big mistake on your insurance.

Golf Carts are non generally covered on a standard Homeowners policy. So, if yous are looking to buy (or already have) a golf game cart, you actually need to consider some options and make sure to add the right coverage for your situation. There are two principal situations with golf carts, and they are treated completely unlike in Florida from an insurance standpoint:

If your golf cart is modified and registered with the FL DMV (considered a LSV, Low Speed Vehicle), yous can terminate here, as you no longer have a golf cart from an insurance standpoint, every bit Florida Law now classifies your golf cart (LSV) as a regular car. In this instance, you lot must have full auto insurance (including Personal Injury Protection), which is finer similar insuring a regular vehicle. Not having the correct coverage leaves you lot unprotected, only it also risks your commuter's license, every bit you are technically driving a registered vehicle without the holding coverage (this can result in a suspended driver's license).
If your golf cart is non registered with the FL DMV, you should be able to cover your Golf Cart with a unproblematic endorsement to your abode insurance or a stand up-alone Golf Cart insurance policy. The cost of both options is relatively small (commonly between $seventy-$150 per twelvemonth), but I'd strongly advise the stand-alone policy. The reason for this suggestion is elementary: If you accept to brand a claim for a golf cart accident, theft, etc., you're much better off past making this merits on a golf cart policy rather than on your abode insurance policy (the concluding affair you lot desire to do in Florida is make unnecessary claims on your Home Insurance that could have been handled elsewhere).

Regardless of which pick yous choose, having seen a few situations where a golf cart owner didn't accept a special endorsement or policy, we simply thought it was of import to embrace this topic to help you avert finding out the difficult way also.

If you have a golf game cart or are considering one, just contact our office, and we'll be happy to talk through the options and provide a quote for golf cart insurance and so yous tin can have peace of heed for your new ride.