The Best Golf Cart Insurance In Florida
When you own a golf cart, get the best golf cart insurance in Florida. But you must have a license when you use your four-wheeler around the town. You have to have proof of being above fourteen years of age.
You don’t need insurance in Florida for your golf cart. But you need to follow some rules in Florida to use your golf cart outside the golf court. Make your golf cart street-legal in Florida, and you will legally drive it on the roads.
To get a street-legal license in Florida, you must meet some requirements. You need a vehicle identification number. Register your cart with the Department of Highway Safety and Motor Vehicles. Moreover, you must get a Florida driving license. Last but not least you have to pass a safety inspection test.
Florida’s law and regulations department will allow you to buy a registered golf cart tag. Then you equip your golf cart with safety features, besides your liability insurance,
There are some necessary and legal steps in detail. These will make your golf cart street-legal in Florida.
Best Golf Cart Insurance In Florida
1- Install Safety Equipment
Your golf cart must have tail lights, headlights, brake lights, and turn signals. The golf cart must have a rear-view mirror, horn, windshield, and wipers. There must be seat belts for every passenger. The top speed of the golf cart must be 25-30 mph, so you must have a speed governor.
2- You must Have the Golf Cart Inspected
A golf cart is street-legal, but the inspection must occur in Florida. Your local licensed mechanic or the Department of Motor or Vehicles OF Florida will do that. That will include a safety inspection.
3- Register Your Golf Cart
After inspection and adding safety features, it needs registration with the Florida State. Next, get the vehicle’s verification identity number. From the Department of Highway Motor and Safety Vehicles.
4- Follow Speed Limits and Street Rules
Make sure that your golf cart is in safe working condition. Be sure your brakes are working. Also the tires of your cart must have the right amount of air pressure. The posted speed limit is almost 25-30 miles per hour for golf carts. You should watch for other vehicles and be aware of your surroundings.
Always obey all street traffic laws and signs, including stopping signs, yield signs, and traffic signals. Always make sure to wear a seat belt.
Why do I need golf cart insurance?
If you ever have an accident, the insurance will help you to mitigate the cost. Otherwise an accident cost is very high. According to the resarch council, the accident cost or a damaged vehicle cost is very steep. High cost payment out of your own pocket is much more than the cost of the golf cart. Your accident will make you pay, if you areunprotected and even it is not your fault.
Which insurance covers golf carts accidents?
There is home owners insurence, but it has limitations. This insurence will not work outside your community. A stand-alone golf-cart insurance policy includes(1) medical payment coverage, (2)collision coverage, (3) liability coverage, (4)uninsured motorist coverage and (5)comprehensive coverages. It will also cover vandalism, theft, flooding, wind and damages from fire.
What is golf cart insurance?
A golf cart isn’t automatically covered by auto insurance or homeowners insurance. Most of the time, add this coverage(if it’s available) from your insurance provider.
Golf cart insurance can cover:
- The original parts, equipment, and accessories.
- The damages caused to another person’s vehicle or property.
- If you accidentally hurt someone with the golf cart and cause any kind of body injury.
Golf cart insurance will not cover loss or damage caused by wear and tear. Freezing, neglect, or mechanical or electrical breakdown. Manufacturer’s defects, if golf carts used for business purposes. Damages during a contest involving racing, stunting or demolition. Pushing, or pulling; or any kind of intentional damage.
How much is golf cart insurance rate?
Golf cart insurance rates depends on:
- Type of the golf cart you own.
- Your location you live.
- The ultimate use of the cart.
A standalone golf cart insurance policy cost can vary from $405 to more than $1,000 per year. You can save money, if you add an endorsement to your homeowner’s policy. It depends on where you drive your cart and your state’s insurance requirements. The endorsement for golf cart insurance can be $75 per year.
Who needs golf cart insurance?
Golf cart insurance requirements vary from state to state. Some states require liability coverage for the vehicle, while other states like Florida only mandate that the golf cart is registered. In the states where you drive your golf cart on public roads, such as Arizona where golf cart usage is high, you may be required to obtain an auto insurance policy for low-speed vehicles.
However, it’s wise for anyone who owns a golf cart to get golf cart insurance. This can mitigate the costs of accidents that can be very expensive to pay out of pocket.
How much is golf cart insurance?
Golf cart insurance rates typically depend on:
- The type of golf cart you own.
- Your location.
- How often do you use the cart.
A standalone golf cart insurance policy can cost anywhere from $405 to more than $1,000 per year. You can save money by adding an endorsement to your homeowner’s policy. Depending on where you drive your cart and your state’s insurance requirements. An endorsement for golf cart insurance can be as low as $75 per year.