Do You Need Golf Cart Insurance?
Golf cart insurance isn’t very common. While it’s offered by a majority of large-scale insurance companies, not many golf cart owners choose to purchase a policy. However, while not required for driving around the golf course, there are a number of other scenarios where an insurance policy may be required to legally drive your golf cart. To discover whether or not your golf cart model needs an active insurance policy, be sure to read the helpful information below.
If You Plan to Finance Your Golf Cart
Not everyone who owns a golf cart necessarily needs insurance. If you’re traveling on a golf course, off-road, or around a personal property, you aren’t required to have golf cart insurance—although it can still come in handy in case of an accident or personal injury. However, there is an exception to this rule. If you plan to finance your purchase, it’s very likely you’ll need to purchase insurance for your golf cart. Lenders will want to be sure that their investment is protected while in your care, so a majority of creditors require proof of policy before they’re willing to offer you a loan for your model.
If You Drive Your Golf Cart on the Street
Another reason you may need to purchase golf cart insurance is if you plan to drive your model on the street. Whether it's just around your neighborhood, or over to the nearest supermarket, you’ll likely need to purchase some basic coverage for your vehicle, based on your state’s laws or local ordinances. However this rule often varies from place to place, and we encourage you to look up your region's local laws and ordinances on golf carts as street vehicles, just to be safe.
Searching for a reliable golf cart to help you travel both on and off the course? Then be sure to visit us here at Cunningham Golf & Utility Vehicles to browse our impressive stock of available models! Our locations here in Louisville and Calvert City, KY also offer helpful financing services, trade-in opportunities, and rental options for you to take advantage of.