Do you own a golf cart? If so, the best way to cover it properly is with its own golf cart policy. Davis Insurance Associates, as your local independent insurance agency, can help you find coverage that fits your needs.
You can think of a golf cart like a car, when it comes to insurance. What if your golf cart is stolen or damaged from an accident? What if you hit someone or something? Or maybe worse, what if you are hit by an uninsured driver? Well, like an auto insurance policy, a golf cart insurance policy can provide coverage for these things.
A golf cart policy typically includes a few basic coverages:
Property Damage- This coverage may help pay to repair damage to another person's property if you are deemed responsible.
Bodily Injury- This coverage may help pay towards medical bills incurred by someone if you cause an accident that injures them.
Collision Coverage- This particular coverage may help pay to repair your golf cart if you collide with another object.
Comprehensive Coverage- If your golf cart is stolen or damaged by something (other than collision) this coverage may help to repair the damage.
Medical Payments- This coverage may help to pay if you are injured as a result of a golf cart incident.
Don’t assume that your Home Insurance policy extends coverage to your golf cart. The coverage is so limited, it is basically non-existent. It is best to get a separate policy (or it can sometimes be added to an Auto Insurance policy) for your golf cart.
Helpful little snidbits:
· Carve or write a number (or something to identify it) in a conspicuous place on your golf cart. Many have no serial number.
· A basic Golf Cart policy can be as low as under $100. Although, a basic or stripped down policy is usually not recommended.
· Consider getting a special key made for your golf cart. Many have a generic key making it easier to be stolen.
· Wash or rinse your golf cart frequently – just be careful around the dash and electronics.
Like many areas, South Carolina and Myrtle Beach have ordinances in place regarding golf cart usage. You are likely required to carry golf cart insurance and to be able provide proof.
If you need a review of your current golf cart policy or would like a new quote, please call Davis Insurance Associates at 843-213-0000 or visit us at thinkdavisinsurance.com. We are your local independent insurance agency for Home, Auto, and Flood Insurance in Myrtle Beach - providing you with peace of mind at a price that's right for you.