What To Expect When Insuring a Street-Legal Golf Cart

Street-legal golf carts can potentially cause property damage or third-party injuries, so getting proper insurance coverage is crucial. 

Contact Ramey Insurance Agency in Venice, Florida, to learn more about insuring a street-legal golf cart. 

Golf Carts and Low-speed Vehicles in Florida 
Inside vacation destinations and gated communities, it’s common to see golf carts used as a form of transportation. It’s acceptable to drive golf carts and low-speed vehicles (LSVs) on the road with cars under certain circumstances. If you plan to drive your golf cart on the road with cars, you must stay on streets where the speed limit is 35 miles per hour or lower. 

LSVs are classified as vehicles that can go more than 20 miles per hour, have a state-assigned vehicle identification number (VIN) and are street legal. Even if your golf cart isn’t technically an LSV, having proper insurance can help provide financial protection. 

Is Insurance Required for a Street-Legal Golf Cart? 
Floridians who drive LSVs, including street-legal golf carts, must carry a minimum amount of liability insurance according to Florida’s laws. 

If you stay on your property with your golf cart, you may be able to add it to your homeowner’s insurance policy. If you choose this coverage, it’s crucial to be aware of the possible limitations. Your homeowner’s policy may not pay for third-party injuries or medical costs after a golf cart accident. 

A stand-alone golf cart insurance policy provides financial protection and satisfies Florida’s insurance requirements if you plan to take the vehicle off your property. Golf cart insurance typically includes liability coverage, medical payments, uninsured motorist coverage, and comprehensive and collision insurance. Your agent can help you tailor your golf cart insurance to meet your needs. 

Get Insurance for a Street-Legal Golf Cart 
When it comes to insuring your street-legal golf cart, you have options. Call Ramey Insurance Agency today to learn how golf cart insurance can help protect your financial stability and get a quote. 

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.